- We build homes in partnership with people who are unable to secure a conventional mortgage.
- Habitat for Humanity is a non-denominational Christian housing ministry. Some labor is done by partner families and volunteers.
- Habitat mortgages are offered at a minimal interest rate.
- The monthly mortgage payments of our partner families go toward building Habitat homes.
QUALIFICATIONS FOR HOMEOWNERSHIP
Download qualifications and interest form (PDF)
Even if you think you may not qualify for Habitat Homeownership, we hope you will come to an Application Information Meeting and consider applying. You are always welcome to call our office at (252) 291-0816 if you have any questions.
Eligibility:
In order to partner with Wilson Area Habitat for Humanity, an applicant must meet Habitat for Humanity’s four selection criteria:
- Need for adequate housing
- Ability to pay for a home
- Willingness to partner with Habitat for Humanity
- Live or work in Wilson County
1. Need for adequate housing:
In order to partner with Wilson Area Habitat for Humanity, an applicant must currently live in housing that is inadequate.
For example:
- The home is too small for the family and overcrowded.
- Significant plumbing, electrical, heat/AC or structural problems.
- Recurrent criminal activities near your home.
- The cost of housing is a disproportionate amount of the monthly income.
2. Ability to pay for a home:
WAHFH homeowners must be able to afford a monthly low interest mortgage payment that will not be more than 30% of their gross monthly income. Applicants with excessive debt and outstanding judgments or liens are encouraged to resolve those matters before application. Homeowners must also agree to pay the down payment/closing costs related to the purchase of the home.
Homeowners must have a steady income history. Income may be from wages or other sources, such as disability or public assistance. Check out the chart below to see if your income is within our guidelines.
2023 Income Qualifications:
| Number in Family | Gross Annual Income |
| 1 | $17,550 – $37,650 |
| 2 | $20,055 – $42,975 |
| 3 | $22,575 – $48,375 |
| 4 | $25,060 – $53,700 |
| 5 | $27,090 – $58,050 |
| 6 | $29,085 – $62,325 |
| 7 | $31,080 – $66,600 |
| 8 | $33,110 – $70,950 |
3. Willingness to Partner with Habitat for Humanity:
Habitat Homeowners enter into a partnership with WAHFH.
Family partnership requirements include:
- Sweat equity (construction work, community service, and homeowner education) of 200 hours for a 1-adult family or 250 hours for a 2-adult family.
- Agreement to attend homeowner education workshops.
4. Live or work in Wilson County
To qualify for Wilson Area Habitat Homeownership, applicants must have lived or worked in Wilson County for the previous 12 months.
The First Step
To receive an application, you must attend an Applicant Information Meeting – which is also an excellent opportunity to get answers to all of your questions about WAHFH home ownership.
-OR-
You may call or come by the WAHFH office to fill out a Homebuyer Interest Form.
Office phone number: (252) 291-0816
Address: 405 West Nash Street Suite 203, Wilson, NC.
Applicant Information Meetings are scheduled when homeowner opportunities become available. Future homebuyers will be notified by telephone when the next meeting is scheduled.
FAIR HOUSING DISCLOSURE
In accordance with the Federal Fair Housing Act, Wilson Area Habitat for Humanity will not discriminate against any person because of race, color, religion, sex, handicap, familial status, or national origin.
If you have any questions, please call the office, or send an email to director@wilsonhabitat.org.