Habitat Home #50
Every day, Habitat for Humanity of Scotland County partners with hard-working families and individuals like you in our local community to build high-quality homes with affordable mortgages. If you meet the Homebuyer program’s qualifications and application criteria, you’re only a few steps away from saying “goodbye” to rapidly rising rent and “hello” to a home you own.
making affordable homeownership a reality
The “traditional” method of buying a house, doesn’t work for everyone. For many people in our community, qualifying through a mortgage lender, let alone saving for a down payment, just isn’t a reality. That’s where we come in.
Habitat homes are not given away; they’re still purchased with a mortgage, but each mortgage is affordable, and homes are built based on the current needs of each family.
how the program works
Scotland County’s Habitat for Humanity Homebuyer program begins with filling out an application when we open the program up.
Once your application has been completed and submitted, the Family Selection team will process applications, which are approved or denied based on specific requirements and qualifications for the program.
If your application is approved, you become a Homeowner-in-Process (HIP). During your time as a HIP, you will be required to perform Sweat Equity hours in our ReStore as well as the construction site of your home as well as completing a first-time homeowner readiness class.
requirements & qualifications
Download our Information packet, including requirements. In order to qualify for our Homebuyer program, an applicant must:
- Demonstrate a need for housing.
- Demonstrate a history of stable employment and housing.
- Be willing to participate in homeowner readiness classes.
- Be willing to complete sweat equity hours.
- Meet family income and debt requirements.
the application process
The application cycle is currently closed.
While the application cycle is closed, please contact us @: homes@habitatscotlandcounty.org if you’d like to receive an email reminder for the next open application cycle. Please include your Name, Number, and Mailing Address in the email.
before you apply
In order to complete an application during the open cycle, you’ll need to have a few things ready:
- Income statements/pay stubs; most recent 60 days for the applicant (and co-applicant, if applicable)
- Benefit letter (SSI/SSDI, VA, pension and/or court-ordered Child Support); you are able to include SSI/SSDI payments for minors if you or the co-applicant are listed as the payees.
- Current Rental agreement.
- A valid, frequently used email address to ensure our communications are received.
- Copies of all Birth Certificates, Social Security Cards, and ID’s for anyone who would be living in the home.
- Last 2 most recent W2’s
We strongly encourage you to start gathering all of that information now prior to the next open application cycle.
after you apply
Once you’ve submitted your online application to the Family Selection team, they will begin to process your application. Please be patient; your application was submitted along with hundreds of others that also need to be processed.
If you have questions about the application you submitted, you can send a email to homes@habitatscotlandcounty.org. Keep an eye on your email inbox – including junk mail – in case we’ve tried to reach you.
If your application meets the initial ability to pay criteria, you will be moved to a second phase of review for household information.
If your application is denied, don’t give up hope! You can reapply again the next time we open up the application process. We have had several current homeowners who came back after being denied once because they were able to overcome the obstacles in their way last time.
