NEED.......
A.You will be considered for a Habitat home if your present housing is inadequate, and if you are unable to obtain adequate housing through conventional means. Lack of adequate housing may include problems with the present structure; water, electrical or sewage service systems; heating system or failure to meet city property maintenance standards. Also taken into consideration are the number,the ages and the sex of childern compared to the number of bedrooms in your present home.

B. The percentage of your monthly income that you spend on housing is considered to determine need. You will be requested to openly and fully discuss your financial situation with a Habitat interviewer.

C. You must currently live in Elizabeth City or Pasquotank County. You and your family will be considered if your total income is not over the range of 125% percent of federal poverty guidelines, using 2009 figures. For example...

Family Size........Gross Annual Income
One....................$13,538
Two....................$18,213
Three..................$22,888
Four....................$27,563
Five....................$32,238
Six......................$36,913
Seven.................$41,588
Eight...................$46,263
If your income is within range, you may be considered to become a Habitat partner.

ABILITY TO PAY....
Since you will be actually buying your home from Habitat, you must demonstrate your abilty to pay the monthly mortgage payment. This payment will include not only the mortgage payment, but the payment for real estate taxes and insurance. We will help you to determine if this payment will jeopardize your abilty to meet all your other family financial obligations and expenses. We can also help you if you need to develop a budget to determine your eligiblity. There is no interest on the loan for a Habitat Home.

Mortgage
--- + ---
property taxes
--- + ---
Insurance

WILLGINESS TO PARTICIPATE AS A PARTNER WITH HABITAT.........
A. When selected, you become a "partner family," you must complete250 hours of volunteer work with Habitat, which will count towards your total "sweat equity" contribution to be completed before becoming a homeowner.

Your assistance in constructing your home and the homes of others is called "sweat equity," and may include clearing the lot, painting, helping with construction, providing food for the volunteers or working in the Habitat office. As a partner family, you must complete 500 hours of sweat equity. Your family can receive up to 100 hours by applying time put in on your behalf by friends and relatives who join the work. This sweat-equity requirement may seem quite hard, but you are allowed to complete these hours over a period of up to two years.

B.You will be responsible for maintenance and repairs of your house from the time you move into your home.
Bc. After moving into your home, the Family Support Committee will maintain an ongoing relationship with you. This includes financial counseling and household maintenance education.

Elizabeth City Habitat for Humanity
will look at three distinct areas of selection criteria when reviewing potential "partners."
1. Your family's actual need based on suitability of your current shelter.
2.your current income and ability to pay for a Habitat house.
3.your willingness to participate as a "Partner" with Habitat.

To find out how to get an application, go to top of this page on left side and click on Habitat Home Application.