Homeownership


DECEMBER 2019:
We are not accepting nor mailing applications at this time. You may read through our qualifications below and complete the link "Request to Join Mailing List" to be added to our list. Once we reopen the application process, you will be contacted by email on how to qualify and apply.

Eligibility RequirementsHomeowners

Homeownership applicants must:

  • Live or work in Durham County for at least 6 months
  • Be A US Citizen or permanent resident
  • Have a stable income of at least 30% of Durham's median income
  • Be able to provide closing cost of $2,000. 
  • Demonstrate that your current housing is overcrowded, physically substandard, too expensive, unsafe or prove that you are living in subsidized housing
  • Demonstrate a willingness to partner by performing at least 250 hours of sweat equity

Expectations

If you are approved, you will be expected to:

  • Invest a minimum of 250 sweat equity 
  • Complete a financial literacy program
  • Make timely mortgage payments each month
  • Maintain your home
  • Be an active member of the Durham community
  • Stay connected to Durham Habitat throughout the term of your mortgage

The 4 Step Process to Homeownership

Once we begin to accept applications, the homeownership process typically takes between six and twelve months. 

1. Join our Mailing List

The information that you submit will be sent to us and placed on our mailing list. The mailing list let's us know that you would like to be invited to an information session.

2. Attend an Information Session

Once the application process is reopened, we will invite you to attend an information session to learn about our program and the requirements. At the end of the session you will have an opportunity to complete a pre-qualifying application and turn it in or mail it to our office.

If you are pre-qualified, Habitat will mail you the full Homeownership Application. 

If you are not pre-qualified, Habitat will mail you a letter of explanation and suggested next steps. Families are welcomed and encouraged to start the process again upon resolution of denial issues. 

3. Home Visit

If your Homeownership Application is approved, a volunteer on Durham Habitat's Family Selection Committee will contact you to schedule a home visit. Pending approval by this committee, your application will be referred to the Durham Habitat Board of Directors for final approval. 

If your Homeownership Application is not approved, Habitat will mail you a letter of explanation and suggested next steps. Families are welcomed and encouraged to start the process again upon resolution of denial issues. 

4. Final Approval

If you are approved by Durham Habitat's Board of Directors, you are invited to begin your partnership with Durham Habitat!

Click Here to Join Our Mailing List

Please contact a member of our Family Services department at 919-682-0516, OR familyservices@durhamhabitat.org with any questions. 

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Habitat Success Stories

Barbara is an elderly neighbor who suffers from COPD. Durham Habitat partnered with the Fuqua School of Business to replace Barbara’s roof and HVAC system. Barbara said,"I thank God that Habitat was able to fix my home because I was unable to do it for myself."

Barbara