Homeownership OverviewThe application process is a six step process explained below.
Fill out the form with complete, accurate, up-to-date information. This will allows staff to assess your eligibility.
Attend an application appointment to learn about the full application process
Applicants who complete the form will be invited to attend an application appointment held at the Habitat office. The Family Selection Coordinator will go over the homeownership process and assist you in filling out the complete credit release application. There is a credit report fee of $30-$45, depending on the number of applicants in the home. Habitat does not accept cash, please bring money order or check payable to Habitat for Humanity of Pitt County. After submission, the family selection coordinator will obtain your credit report. This step takes about 1 month.
Formal application interview
The Family Selection Coordinator will request references and documents from you. (e.g., tax returns, bank statements, credit references from third parties) for review.
Habitat for Humanity of Pitt County offers financial and budget classes called Financial Peace University to eligible applicants. The coordinator and the eligible applicants will watch a video and have small group discussions to help families become good stewards of their money and learn every day techniques to help save and manage our money.
Habitat representatives will visit your home to meet your family, tour your current residence, review your family budget, and answer any questions you may have about the homeownership program.
Board of Directors’ Approval
After completing of the above steps, your application will be presented to Pitt County’s Habitat Board of Directors for final approval. From initial application to board approval, this process can take 6-10 months. Approved families then move on to complete 300 hours of sweat equity on the home of fellow Habitat homeowners and their own home. Construction times vary on each home, but closing and moving in is generally within a year of a family’s approval. As the home nears completion, we’ll celebrate with a dedication for the sponsors, volunteers, and the family.