Critical Home Repair

get assistance

Critical Home Repair (CHR) addresses major safety concerns in homes by making necessary repairs at a subsidized rate, allowing homeowners to remain in their homes and preserving 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?

If you have questions, please call the Critical Home Repair Hotline at 704.716.5639.

get started

Application Steps

  1. 1 Initial Criteria Review
  2. 2 Application
  3. 3 Submit Application
  4. 4 Pre-Qualification

Step 01

Initial Criteria Review

To qualify for Critical Home Repair, the following criteria must be met:

  1. Single-family, detached home
  2. Owner-occupied for at least three (3) years
  3. Home must be located in Charlotte or Pineville
  4. Willingness to partner (completion of Sweat Equity Hours)

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 02

Application

If you meet the Critical Home Repair criteria, complete this form or call 704.716.5639 to request an application.

Step 03

Submit Application

Submit your completed application, along with all requested documentation, by the application deadline given to you.

Step 04

Pre-Qualification

If pre-qualified, you will be notified and required to submit additional documentation as requested.

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.

Yes, you can! To refer someone, please fill out the Critical Home Repair application request form and we’ll reach out to them. The form includes a space for your contact information should we need to contact you with any additional questions.

CHR Referral