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Resources

everyone deserves a decent place to liveHabitat for Humanity International
Habitat.org is the website for Habitat for Humanity. Here you can learn the history of HFHI and how it has built homes across the world. It gives more insight to the different awareness programs HFHI has and it also has all HFHI related news items.

Habitat Youth Program
Habitat.org also has a special site for youth, from 5 to 25. Here they can learn more about Habitat through Habitat games and activities.

Habitat for Humanity of Lincoln County
Habitatlcnc.org is our affiliate’s website. It has everything you need to contact us, to volunteer, and to answer some general questions.

Lincoln County
This is the website for the county we serve. You can find current events, news, and announcements going on in the County.

Call 2-1-1
2-1-1 provides free and confidential information and referral. Call 2-1-1 for help with food, housing, employment, health care, counseling and more. Learn more about your local 2-1-1 by looking it up here.

US Department of Housing and Urban Development
HUD sponsors housing counseling agencies throughout the country that can provide advice on buying a home, renting, defaults, foreclosures, and credit issues. This page allows you to select a list of agencies for each state to help locate one closest to you.

This is the website for the county we serve. You can find current events, news, and announcements going on in the County.

 

www.211.org

2-1-1 provides free and confidential information and referral. Call 2-1-1 for help with food, housing, employment, health care, counseling and more. Learn more about your local 2-1-1 by looking it up here.

 

http://www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm

HUD sponsors housing counseling agencies throughout the country that can provide advice on buying a home, renting, defaults, foreclosures, and credit issues. This page allows you to select a list of agencies for each state below to help locate one closest to you.

Homebuyer Education

Habitat wants all families to be educated in homeownership. Here is a list of classes every Homeowner-in-Process must complete.

1. Habitat 101

  • Introduction to the program
  • Overview of program Requirements
  • Meet-n-Greet with Habitat Staff
  • Completion of Partnership Agreement
  • Expectations of Habitat and Homeowner-in-Process

2. Maintenance and Repair

  • What to do with a Home and When
  • Cost difference between Maintenance and a Repair
  • How-tos on basic repair project
  • Resources on who to Contact

3. Community Resources

  • Non-Profits in Lincoln County
  • Services Provided at Social Services
  • Governmental Programs
  • How to Find Help

4. Homeownership vs Renting

  • Cost Difference
  • New Responsibilities
  • Pros and Cons of Each

5. Before and After Closing 

  • What to Bring to Closing
  • Explanation of Paperwork
  • What to Do After Closing
  • Opportunity to Ask Questions

6. Home Walk Thru and Warranty

  • Complete Punch List
  • Explanation of Warranty

Homeowner Process

app process

Application Process

Part 1: Ability to Pay
Part 2: Need and Willingness
Part 3: Partnership Agreement
Part 4: Loan Application

Homeowner-In-Process

Step 1: Sweat Equity
Step 2: HIP Classes
Step 3: Closing Cost
Step 4: Construction on Others' Home
Step 5: Choose Lot
app process2Step 6: Construction on YOUR Home
Step 7: Loan Application
Step 8: Closing
Step 9: Home Blessing

 

Qualifications

every door opportunity lincolnThere are only three requirements you must meet to be potentially eligible for our programs:

1. A Need for a Decent, Affordable Home, including but not limited to:

Homeownership Program

  • Substandard Housing
  • Overcrowding
  • Living in Temporary Housing
  • Current Resident of Public Housing
  • Currently paying an unaffordable amount for housing

Repair Program

  • Peeling Paint
  • Leaking and/or Worn Roof
  • Need of Wheelchair ramp
  • Unsafe porch, steps, railings, floors
  • Accessibility Issue

2017 Lincoln Co. HUD income

2. The Ability to Pay:

Homeownership Program

  • The 20-30 year Affordable Mortgage
  • Stable income between the Income Limits based on Family Size

Repair Program

  • Subcontracted labor and Materials for Repairs
  • Stable Income between the Income Limits based on Family Size

 3. The Willingness to Partner with Habitat

Homeownership Program

  • Complete a set number of Sweat Equity Hours
  • Attend Financial and Homebuyer Education Courses
  • Construction on yours and others Habitat Home
  • Complete installment payments towards Required Closing Cost
  • Worked in Lincoln County for the past 12 months
  • Lived in Lincoln County for the past 12 months

Repair Program

  • Must own and live in a conventionally built home
  • Willingness to help complete Repairs if ableWorked/Lived in Lincoln County for the past 12 months

About Our Homes

habitat kitchenEach home sold to our Habitat Homeowners is based on the needs of the family. Habitat is currently building in the following locations:

  • Lincolnton
  • Denver

Every new Habitat Homeowner will receive:

  • A FREE Range donated by Whirlpool
  • A FREE Refrigerator donated by Whirlpool
  • Up to $1,000 credit for personalization*

*This can include: Washer and/or Dryer; Extra Ceiling Fans; Microwave; Etc.

New Tightlines Design Homes
construction23 bedroom/2 bath
4 bedroom/2 bath

Included in each new home are the following features:

Interior Features

  • All electric
  • Central Heat and Air
  • Smoke Alarms & Fire Extinguisher
  • 2 Ceiling Fans
  • Universal Design

Exterior Features

  • Utility Shed
  • Outside Lighting
  • Exterior Siding
  • Two Door Entrances
  • Outside Porch

Rehab Homes

rehabbedSometimes Habitat has the opportunity to purchase a foreclosed property from the open market. Habitat will repair it to new condition and provide a homeowner warranty.

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