Critical Home Repair

get assistance

Critical Home Repair (CHR) provides urgent, major repairs at a subsidized rate, allowing homeowners to remain in their homes and preserve Charlotte’s dwindling affordable housing stock.

Qualifications

health and safety concerns

Included, but are not limited to:

  • Unsafe roofing or flooring
  • Lack of heat
  • Electrical hazards
  • Plumbing hazards
CHR does not address
  • Cosmetic repairs or painting
  • Replacing carpeting or flooring (unless for structural reasons)
  • Window replacement (unless current windows are rotted or contain lead)
  • Bathroom renovations or remodels (unless for accessibility issues or as needed following plumbing repairs)

ready to apply?

To apply or for questions, please call the Critical Home Repair Hotline at 704.716.5639.

Application Steps

  1. 1 Initial Review
  2. 2 Application
  3. 3 Income Verification
  4. 4 Credit & background check

Step 01

Initial Review

  1. Single-family, detached houses only
  2. Home must be in Charlotte or Pineville
  3. Applicant must own and occupy the home (name must be on title)
  4. Tax Assessment Building Value must be no more than $100,000
  5. All property taxes must be paid in full

Step 02

Application

If applicant meets requirements in the initial review, an application will be distributed. Application must be turned in to Habitat Charlotte by the specified date with all required and necessary documents.

Call the Critical Home Repair Hotline (704.716.5639) to apply.

Step 03

Income Verification

Income of homeowner(s) must fall at or below 80% of HUD median income to be approved.

Find out where you fall on the HUD median income scale. 

Step 04

Credit & background check

  1. All applicants will have their credit checked, and mortgage must be current
  2. A background check is required for all household members aged 16-and-older.

questions

The typical time from submitting an application to completion of repairs is typically one year.

Repayment is determined by your HUD income level. In some cases, Habitat Charlotte can offer to finance the discounted amount with an interest-free mortgage to be paid over five years.

Critical Home Repair homeowners are required to complete 75 community service hours, but all of those hours do not have to be completed with Habitat Charlotte. CHR homeowners are not required to work on their own home.