Homeownership

Are You Interested in Becoming a Habitat Homeowner

The first step in the Habitat homeowner process is to attend a family orientation meeting. These are scheduled once or twice a year. When the next group of meetings have been scheduled, details will be available here.

LowCountry Habitat for Humanity partners with responsible families in need to provide an opportunity to become homeowners. The Habitat homeowner program is a hand-up, not a hand-out. It is not a solution for emergency housing needs, as the program usually takes one year or more from selection date to move in date.

You must meet 4 requirements to be eligible for our family partner program:

  • Legal resident living or working in Beaufort County
  • Currently living in substandard housing
  • Ability to pay monthly mortgage. Based on size of family and earning less than 60% of HUD median income
  • Willingness to partner. 250 hours of sweat equity for a single applicant, 400 for a couple

To get started, all applicants need to attend a family orientation meeting. Things to remember: No children at the orientations, please. Choose only one meeting to attend. All applicants must attend the orientation but not necessarily together. Meetings will start on time and late comers will not be admitted. If you have special needs requirements, please contact the office in advance.

Once accepted in the homeowner program, families work with volunteers to learn homeownership skills, while working on their house or another Habitat house. Upon closing, Habitat homeowners pay a no-interest-no-profit mortgage to our “Fund for Humanity”, which is used to build more houses.

The application process includes a two-part written application, income, credit and landlord verifications, and two separate home visits by the Family Selection Committee. Final approval of a homeowner is made by our Board of Directors.