Build Your Future with Sandhills Habitat
Own a safe, affordable home with Sandhills Habitat. Local families who live or work in Moore, Hoke, or Richmond counties may quality to purchase a Habitat home with an affordable mortgage.
WHO WE SERVE
Households earning between 30-80% of Area Median Income (AMI)
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Applicants must live or work in Moore, Hoke or Richmond County for at least 1 year before applying
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Applicants must have demonstrated the ability to live financially independently for at least 12 months prior to applying
WHAT WE OFFER
Affordable mortgage​
30% or less of your monthly household income
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New construction and select recycled Habitat home opportunities
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Homeownership education and support
Partner Family Responsibilities
200 hours of Sweat Equity per adult, 60 hours per teen 16-17
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Complete a minimum of 10 sweat equity hours each month
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Attend required Homebuyer Education classes
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Maintain stable income and manageable debt
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Remain in good standing throughout the program
APPLICATIONS ARE CURRENTLY CLOSED
Next application period:
SUMMER 2027
Want to prepare now? Review the qualifications below
QUALIFICATIONS
To be considered for a Habitat home, families must demonstrate a need for affordable housing, be willing to partner with Habitat and be able to repay an affordable mortgage. In addition, they must meet the following requirements:
Demonstrated need for affordable housing
Ability to repay an affordable mortgage
Willingness to partner with Habitat
U.S. Citizen or Legal Resident
Live or work in Moore, Hoke, or Richmond County for at least 12 months
Demonstrated ability to live financially independently for at least 12 months at some point prior to applying
Satisfactory credit history with no recent bankruptcies, unpaid collections, or judgments
Debt-to-income ratio of 10% or less
Must contribute $2,000 towards closing costs prior to closing
Applicants must successfully complete the required criminal background check. Registered sex offenders are not eligible
Applicants are responsible for any required credit authorization and associated credit report fees.
An affordable mortgage does not exceed 30% of household income, including property taxes, insurance, and principal.
HOMEOWNERSHIP PROCESS
THE PATHWAY TO HOMEOWNERSHIP
STEP 1
Review Eligibility
Requirements
Review eligibility requirements and gather required documentation.
STEP 2
Submit
Application
Complete and submit
the homeownership
application during the
open application period.
STEP 3
Application
Review
Habitat reviews your application, documentation, and program eligibility.
STEP 4
Home Visit &
Interview
Qualified applicants
may be invited for a
home visit and
interview.
STEP 5
Selection Committee
Review
The selection committee
reviews applicants and
makes recommendations.
STEP 6
Homebuyer Education
& Sweat Equity
Selected partner
families complete
required classes and
sweat equity hours.
STEP 7
Purchase
Your Home
Approved families
purchase a Habitat
home with an
affordable mortgage.