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Need for Housing
  • Living in overcrowded housing
  • Living in substandard housing
  • Being a resident of public housing
  • Paying more than 30% of gross income on rent
  • Does not own a home at time of application
  • Unable to qualify for a conventional mortgage 
Willingness to Partner
  • Household willing to perform minimum of 300 Sweat Equity hours
  • Have lived or worked in Charlotte or Pineville for the last year
  • Committed to a drug-free community and no serious criminal history
  • Applicants must be legal U.S. residents
Ability to Pay

Must be stable and fall between 30-80%* of HUD Area Median Income.
*Opportunities may be limited based on availability in the 60-80% range

Mortgage payments will be no more than 30% of the gross monthly income of the applicant(s). Applicant(s) will only be approved if the lowest monthly Habitat mortgage payment for their family size and total monthly debt expenses combined is less than 40% of their gross monthly income (debt-to-income ratio).

Delinquent Debt
No more than $1,200 delinquent debt at the time of application and all delinquent debt must be paid off before application approval.

Medical Debt
No more than $10,000 in medical collections.

Outstanding Debt
No more than $1,000 in outstanding debt at the time of application, excluding student loan or automobile loan debt.

Must wait two years after being discharged and reestablishing good credit to apply.

getting started

Applications may be requested during our open application periods that occur once a month unless otherwise noted. Completed applications must be returned by the deadline printed on the bottom of the packet.

next application period

The next open application period dates will be posted here once they are determined. Sign up for our email reminders to get the update in your inbox!

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Application Steps

  1. 1 Request An Application**
  2. 2 Income & Credit Report
  3. 3 Orientation Session
  4. 4 Complete Documentation
  5. 5 Background Check
  6. 6 Visit & Interview
  7. 7 Pre-Approval

Step 01

Request An Application**

Fill out the application packet carefully and submit all required documentation:

  1. Completed application
  2. Two recent months of paystubs (and/or proof of any other stable income)
  3. $20 application fee.

**Applications are ONLY available during advertised dates of open application cycles.

Note: Veterans of the U.S. Armed Forces are able to request and submit an application at any time. To do so outside of the open application period, please email

Step 02

Income & Credit Report

Habitat Charlotte calculates your income and pulls a credit report. If income and credit meet our requirements, you will be invited to participate in step 3.

Step 03

Orientation Session

Applicants that meet the initial criteria will be invited to attend a mandatory 1-hour orientation session and will receive a documentation packet required to move forward in the process.

Step 04

Complete Documentation

Submit all items requested in the documentation packet by the deadline provided.

Step 05

Background Check

Your criminal background, employment history and rental history are verified.

Step 06

Visit & Interview

Two members of the Homeowner Selection Committee will contact you to set up a time to visit and interview at your current residence.

Step 07


Pre-approved applicants begin Homeowner-In-Process training, which includes attending mandatory homeownership classes and completing the required number of Sweat Equity hours.

active duty or a veteran?

Learn more about how we honor those that serve.

veterans initiative