everyone deserves
a place to call home

We build strength, stability, and self-reliance through shelter

Every day, families partner with Habitat for Humanity to build homes and, as a result, better lives. Over the course of their journey, each family invests hard work and dedication on an intensive path to homeownership. From attending homeowner courses to completing sweat equity hours, each step empowers future homeowners and helps create the access and foster the skills they need to succeed.

Consider purchasing a home through Habitat for Humanity of Craven County. We build and finance 2, 3, and 4-bedroom energy-efficient homes. Qualified homeowners pay an affordable monthly 0% interest mortgage that is equal to or less than 30% of their gross monthly income.

the dream of homeownership is achievable

prospective homeowners must demonstrate:

  1. NEED FOR HOUSING:
    • Living in overcrowded housing
    • Living in substandard housing
    • Paying more than 30% of monthly gross income on rent
    • Be a first-time homebuyer (have not owned a home in the last 3 years)
    • Be a U.S. citizen or permanent resident and have lived or worked in Craven or Jones County for the previous year
  2. ABILITY TO REPAY A LOAN
    • Have stable, verifiable income that falls between 30-80% of HUD Area Median Income.
    • No pending judgements or bankruptcy
    • Reasonable credit history
    • No minimum score required
  3. WILLINGNESS TO PARTNER
    • Willing to perform a minimum of 300 sweat equity hours
    • Have lived and/or worked in Craven County for the past 12 months
    • Applicants must be U.S. Citizen or legal permanent resident

application steps

  1. Attend a homebuyer informational session to learn about full program requirements
  2. Complete application and turn in supporting documents along with $15.00 per applicant payment to pull credit report
  3. Habitat for Humanity of Craven County verifies your income and pulls a credit report; if income and credit meet our requirements, you will be invited to participate in Step 4.
  4. Home Visit is done in order to understand applicant’s need for housing, answer any questions, and share more information about the program
  5. Qualified applicants are submitted to the Board of Directors for final approval
  6. Approved applicants are invited to begin the path toward homeownership!
Equal Housing Small

In accepting and rejecting applications, Habitat for Humanity of Craven County must conform to all aspects of the Fair Housing Act and all Fair Housing Laws, the Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Privacy Act, the Americans with Disabilities Act, as well as any local applicable laws as they apply to applications for a mortgage.

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