Habitat Wake Homeownership Prequalifying Application

Thank you for your interest in buying a Habitat home! The online application will take you about 15-20 minutes.

What is your total household income before taxes & deductions for all applicants COMBINED?

Eligible to continue pre-qualifying application?

This field is calculated once required questions above are answered.

You do not meet the current family size and/or maximum annual income limits for our program. Please see the latest eligibility criteria at habitatwake.org/apply

Based on your reported household size and income, you may qualify for our homeownership program! Please click 'Next page' to complete additional information required.

Credit Information

Completing the below questions truthfully will help us process this pre-application accurately. If your pre-qualifying application passes all eligibility requirements, a non-refundable program fee and credit check for all applicants is the next step of our homeownership application process.

If you are unsure of which answer(s) you should select below, you can go to https://www.freecreditreport.com/ for information on your credit.

Do you or any of your co-applicants have any charge-offs on your credit?

NoYes

Please explain:

Do you or any of your co-applicants have any collections on your credit?

NoYes

Please explain:

Do you or any of your co-applicants have any evictions in the last 24 months?

NoYes

Please explain

Do you or any of your co-applicants declared bankruptcy in the last 24 months?

NoYes

Please explain:

Personal information - Primary Applicant

First Name

Last Name

Alternate Names

Preferred Phone

Cell Phone

Home Phone

Work Phone

Email Address

Date of Birth

Month (01)

Day (01)

Year (2000)

Age of Primary Applicant

This is calculated for you.

Thank you for your interest in Habitat for Humanity's homeownership program. Applicants must be over 18 years of age to apply.

Marital Status

The state of North Carolina requires married applicants to file a joint application. If married, the co-applicant portion of this application must be filled out. If separated, please note a Free Trader Agreement must be filed in order to enter into any mortgage agreement in the state of North Carolina.

How many co-applicants do you have?

A co-applicant is any adult who will be listed on the deed for the property. If Married, Spouse must be added as Co-Applicant.

Are you or any of your co-applicants employed by Habitat for Humanity of Wake County?

NoYes

What is your residency status?

Thank you for your interest in Habitat for Humanity's homeownership program. At this time, we are unable to accept applications from individuals or households who are not U.S. Citizens or Permanent Residents.

Habitat’s mission is to provide affordable homeownership opportunities to individuals and families who do not currently have access to stable housing. If your housing situation changes in the future, we encourage you to reapply.

Current Residence Information

Have you owned a home or timeshare in the past 3 years?

No

Yes

Thank you for your interest in Habitat for Humanity's homeownership program. At this time, we are unable to accept applications from individuals or households who have owned a home in the last three years.

Habitat’s mission is to provide affordable homeownership opportunities to individuals and families who do not currently have access to stable housing. If your housing situation changes in the future, we encourage you to reapply.

Have you lived in Franklin, Johnston, or Wake County for the past 12 months?

No

Yes

Have you worked in Franklin, Johnston, or Wake County for the past 12 months?

No

Yes

Thank you for your interest in Habitat for Humanity's homeownership program. At this time, we are unable to accept applications from individuals or households who have lived in these counties for less than 12 months.

Habitat’s mission is to provide affordable homeownership opportunities to individuals and families who do not currently have access to stable housing. If your housing situation changes in the future, we encourage you to reapply.

Demographic Information

The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, sex, and race) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws. You are not required to provide this information, but are encouraged to do so. You may select one or more designations for "Ethnicity" and one or more designations for "Race."

The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. However, if you choose not to provide the information and you have made this application in person, Federal regulations require us to note your ethnicity, sex, and race on the basis of visual observation or surname. The law also provides that we may not discriminate on the basis of age or marital status information you provide in this application. If you do not wish to provide some or all of this information, please check below.

Ethnicity

Hispanic or Latino Origin

Other Hispanic Origin

For Example: Argentinean, Colombian, Dominican, Nicaraguan, Salvadoran, Spaniard, and so on.

Race/National Origin

Name of enrolled or principal tribe:

Asian Race

Other Asian Race

For example: Hmong, Laotian, Thai, Pakistani, Cambodian, and so on.

Native Hawaiian or Pacific Islander Race

Other Pacific Islander Race

For example: Fijian, Tongan, and so on.

Gender

Preferred Language

Other Preferred Language

Military Service

Did you (or your deceased spouse) or co-applicant(s) ever serve, or are you currently serving, in the United States Armed Forces?

Please explain.

Employment Information - Primary Applicant

Please select your employment status:

EmployedSelf-employedUnemployedOther

Please list the last 2 years of employment history (employer name and employment length in years).

Personal information - Co-Applicant #1

First Name

Last Name

Alternate Names

Preferred Phone

Cell Phone

Home Phone

Work Phone

Email Address

Date of Birth

Month (01)

Day (01)

Year (2000)

Age of Co-Applicant #1

This is calculated for you.

Thank you for your interest in Habitat for Humanity's homeownership program. Applicants must be over 18 years of age to apply.

What is your residency status?

Thank you for your interest in Habitat for Humanity's homeownership program. At this time, we are unable to accept applications from individuals or households who are not U.S. Citizens or Permanent Residents.

Habitat’s mission is to provide affordable homeownership opportunities to individuals and families who do not currently have access to stable housing. If your housing situation changes in the future, we encourage you to reapply.

Marital Status

The state of North Carolina requires married applicants to file a joint application. If married, the co-applicant portion of this application must be filled out. If separated, please note a Free Trader Agreement must be filed in order to enter into any mortgage agreement in the state of North Carolina.

Current Residence Information

Have you owned a home in the past 3 years?

No

Yes

Thank you for your interest in Habitat for Humanity's homeownership program. At this time, we are unable to accept applications from individuals or households who have owned a home in the last three years.

Habitat’s mission is to provide affordable homeownership opportunities to individuals and families who do not currently have access to stable housing. If your housing situation changes in the future, we encourage you to reapply.

Have you lived in Wake and Johnston County for the past 12 months?

No

Yes

Have you worked in Wake and Johnston County for the past 12 months?

No

Yes

Geographic Ineligibility Notice

Thank you for your interest in Habitat for Humanity's homeownership program. At this time, we are unable to accept applications from individuals or households who have lived in these counties for less than 12 months.

Habitat’s mission is to provide affordable homeownership opportunities to individuals and families who do not currently have access to stable housing. If your housing situation changes in the future, we encourage you to reapply.

Demographic Information

The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, sex, and race) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws. You are not required to provide this information, but are encouraged to do so. You may select one or more designations for "Ethnicity" and one or more designations for "Race."

The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. However, if you choose not to provide the information and you have made this application in person, Federal regulations require us to note your ethnicity, sex, and race on the basis of visual observation or surname. The law also provides that we may not discriminate on the basis of age or marital status information you provide in this application. If you do not wish to provide some or all of this information, please check below.

Ethnicity

Hispanic or Latino Origin

Other Hispanic Origin

For Example: Argentinean, Colombian, Dominican, Nicaraguan, Salvadoran, Spaniard, and so on.

Race/National Origin

Name of enrolled or principal tribe:

Asian Race

Other Asian Race

For example: Hmong, Laotian, Thai, Pakistani, Cambodian, and so on.

Native Hawaiian or Pacific Islander Race

Other Pacific Islander Race

For example: Fijian, Tongan, and so on.

Gender

Preferred Language

Other Preferred Language

Employment Information - Co-Applicant #1

Please select your employment status

EmployedSelf-EmployedUnemployedOther

Please list the last 2 years of employment history (employer name and employment length in years).

Personal information - Co-Applicant #2

First Name

Last Name

Alternate Names

Preferred Phone

Cell Phone

Home Phone

Work Phone

Email Address

Date of Birth

Month (01)

Day (01)

Year (2000)

Age of Co-Applicant #2

This is calculated for you.

Thank you for your interest in Habitat for Humanity's homeownership program. Applicants must be over 18 years of age to apply.

What is your residency status?

Thank you for your interest in Habitat for Humanity's homeownership program. At this time, we are unable to accept applications from individuals or households who are not U.S. Citizens or Permanent Residents.

Habitat’s mission is to provide affordable homeownership opportunities to individuals and families who do not currently have access to stable housing. If your housing situation changes in the future, we encourage you to reapply.

Marital Status

The state of North Carolina requires married applicants to file a joint application. If married, the co-applicant portion of this application must be filled out. If separated, please note a Free Trader Agreement must be filed in order to enter into any mortgage agreement in the state of North Carolina.

Current Residence Information

Have you owned a home in the past 3 years?

No

Yes

Thank you for your interest in Habitat for Humanity's homeownership program. At this time, we are unable to accept applications from individuals or households who have owned a home in the last three years.

Habitat’s mission is to provide affordable homeownership opportunities to individuals and families who do not currently have access to stable housing. If your housing situation changes in the future, we encourage you to reapply.

Have you lived Franklin, Johnston, or Wake County for the past 12 months?

No

Yes

Have you worked Franklin, Johnston, or Wake County for the past 12 months?

No

Yes

Geographic Ineligibility Notice

Thank you for your interest in Habitat for Humanity's homeownership program. At this time, we are unable to accept applications from individuals or households who have lived in these counties for less than 12 months.

Habitat’s mission is to provide affordable homeownership opportunities to individuals and families who do not currently have access to stable housing. If your housing situation changes in the future, we encourage you to reapply.

Demographic Information

The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, sex, and race) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws. You are not required to provide this information, but are encouraged to do so. You may select one or more designations for "Ethnicity" and one or more designations for "Race."

The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. However, if you choose not to provide the information and you have made this application in person, Federal regulations require us to note your ethnicity, sex, and race on the basis of visual observation or surname. The law also provides that we may not discriminate on the basis of age or marital status information you provide in this application. If you do not wish to provide some or all of this information, please check below.

Ethnicity

Hispanic or Latino Origin

Other Hispanic Origin

For Example: Argentinean, Colombian, Dominican, Nicaraguan, Salvadoran, Spaniard, and so on.

Race/National Origin

Name of enrolled or principal tribe:

Asian Race

Other Asian Race

For example: Hmong, Laotian, Thai, Pakistani, Cambodian, and so on.

Native Hawaiian or Pacific Islander Race

Other Pacific Islander Race

For example: Fijian, Tongan, and so on.

Gender

Preferred Language

Other Preferred Language

Employment Information - Co-Applicant #2

Please select your employment status

EmployedSelf-EmployedUnemployedOther

Please list the last 2 years of employment history (employer name and employment length in years).

Authorization and Release

These statements apply to everyone in the household, and all are required.

Truthful submission: I have answered all questions on this application regarding myself and any co-applicants and/or household members truthfully. I and my co-applicant(s) understand that if I have not answered the questions truthfully, my application may be denied, and that even if I have already been selected to receive a Habitat home, I may be deselected from the program.

Additional verification required: I and my co-applicant(s) understand the evaluation of my application includes a credit check and employment verification, and may require additional verifications of this nature for applicants, and/or household members

Background check required: I and my co-applicant(s) understand the evaluation of my application has included a background check with sex offender registry review, and may require additional verifications of this nature for any applicants and/or household members.

Evaluation of need: I and my co-applicant(s) understand that by submitting this application, I am authorizing Habitat for Humanity of Wake County to evaluate my actual need for the Habitat Homeownership Program, my ability to repay the affordable mortgage and other expenses of homeownership, and my willingness to be a partner through sweat equity.

Sweat Equity requirement: I and my co-applicant(s) acknowledge that to be considered for a Habitat for Humanity home, all applicants must be willing to complete a certain number of "Sweat Equity" hours. Helping to build your home and the homes of others is called "sweat equity," and may include helping on the construction site, working in the Habitat office and ReStores, attending homeownership classes or other approved activities.

Acceptance not guaranteed: I and my co-applicant(s) hereby acknowledge that completion of this pre-application does not guarantee acceptance into Habitat for Humanity Wake County's program, nor does it guarantee an extension of credit. If an appraisal or any other valuation of property takes place in association with your application, you have a right to receive a copy of the valuation within 7 business days.

NOTE: By submitting this application, you understand that the original or a copy of this application will be retained by Habitat for Humanity of Wake County for a period outlined in the organization's retention policies even if the application is not approved.

E-Sign Disclosure & Agreement

E-Sign Act Disclosure and Agreement

We are pleased to offer you the opportunity to receive information about your account electronically. To receive correspondence and notices from us electronically, instead of paper copies through the mail, please review this notice and provide your consent.

Scope of Communications to Be Provided in Electronic Form.

When you use a product or service to which this disclosure applies, you agree that we may provide you with any communications in electronic format, and that we may discontinue sending paper communications to you, unless and until you withdraw your consent as described below.

Your consent to receive electronic communications and transactions includes, but is not limited to:

All legal and regulatory disclosures and communications associated with the product or service available through Habitat for Humanity of Wake County.
Notices or disclosures about a change in the terms of your account or associated payment feature and responses to claims.
Privacy policies and notices.

Method of Providing Communications to You in Electronic Form. All communications that we provide to you in electronic form will be provided either (1) via e-mail, (2) by access to a web site that we will designate in an email notice we send to you at the time the information is available, or (3) to the extent permissible by law, by access to a web site that we will generally designate in advance for such purpose.
How to Withdraw Consent. You may withdraw your consent to receive communications in electronic form by contacting us at homeownershipp@habitatwake.org or 2420 North Raleigh Blvd, Raleigh NC 27604. At our option, we may treat your provision of an invalid email address, or the subsequent malfunction of a previously valid email address, as a withdrawal of your consent to receive electronic communications. We will not impose any fee to process the withdrawal of your consent to receive electronic communications. Any withdrawal of your consent to receive electronic communications will be effective only after we have a reasonable period to process your withdrawal.
How to Update Your Records. It is your responsibility to provide us with true, accurate and complete email address, contact, and other information related to this E-Sign Act disclosure and your account, and to maintain and update promptly any changes in this information. You can update information (such as your email address) by contacting us at homeownershipp@habitatwake.org or 2420 North Raleigh Blvd, Raleigh NC 27604
Hardware and Software Requirements. To access, view, and retain electronic communications that we make available to you, you must have:

an Internet browser that supports 128-bit encryption.
sufficient electronic storage capacity on your computer’s hard drive or other data storage unit.
an email account with an Internet service provider and e-mail software to participate in
our electronic communications programs.
a personal computer, operating system, and connection to the Internet capable of receiving, accessing, displaying, and either printing or storing communications received from us in electronic form via a plain text-formatted e-mail or by access to our web site using one of the browsers specified above.
Current Version of a program that accurately reads and displays PDF files (such as Adobe® Acrobat® Reader)

Requesting Paper Copies. We will not send you a paper copy of any communication, unless you request it, or we otherwise deem it appropriate to do so. You can obtain a paper copy of an electronic communication by printing it yourself or by requesting that we mail you a paper copy, provided that such request is made within a reasonable time after we first provided the electronic communication to you. To request a paper copy, contact via homeownershipapp@habitatwake.org or 919.833.2459. We may charge you a reasonable service charge for the delivery of paper copies of any communication provided to you electronically pursuant to this authorization. We reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any communication that you have authorized us to provide electronically.
Communications in Writing. All communications in either electronic or paper format from us to you will be considered “in writing.” You should print or download for your records a copy of this disclosure and any other communication that is important to you.
Federal Law. You acknowledge and agree that your consent to electronic communications is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act, and that you and we both intend that the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.
Termination/Changes. We reserve the right, in our sole discretion, to discontinue the provision of your electronic communications, or to terminate or change the terms and conditions on which we provide electronic communications. We will provide you with notice of any such termination or change as required by law.
Consent. By checking “I agree” below, you agree that you have read, understand, and agree to the E-Sign Act. You hereby give your affirmative consent to provide electronic communications to you as described herein. You further agree that your computer satisfies the hardware and software requirements specified above and that you have provided us with a current e-mail address at which we may send electronic communications to you.

E-Sign Agreement:

I agreeI do NOT agree

STOP. This application must be submitted electronically by clicking the 'Submit' button below. Do not print out this application and bring it into the office.

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, gender, or age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Federal Trade Commission, Washington, DC 20580.