Albemarle Tradewinds February 2020 Web Final

y Jane Elfring
OpenMonday-Saturday
252-331-9253
634 Meadstown Road
Check out our meats!
Locally produced honey
Variety of fresh meats
Fresh ground chicken feed
Sweet Potatoes
Bagged Chicken, Hog,
Horse, And Goat Feed
ShowTime Dog Food
Boar’s Head Meats and
Cheeses now available
Collards
Cabbage
Broccoli
Smoked Hog Jowls,
and Rib Side
Salted Pig Tails
Felts Country Hams
We are now selling
Tribute Equine Nutrition
Open 7 days a week
With construction beginning on our new
house on 5th Street, it’s time to go over
the requirements for purchasing a Habitat
for Humanity house. Habitat houses are not,
and have never been, free. Applicants must
qualify and be able to pay a mortgage which
includes the principle, taxes and insurance.
Habitat loans are zero-interest which saves
families thousands of dollars over the life of
the loan.
Our application package includes not just the
application but also pay stubs, recent credit
score and most recent tax returns. Once we
have that information, the applicant is evaluated
for his/her ability to pay. The payment
must not be over 30% of their income.
If the applicant passes this evaluation, the
next step is the home visit. On the application,
there is a question about what the
family need is that has led them to apply for
the house. This can relate to the condition of
their current residence, high cost of utilities,
high rent, overcrowded conditions and bad
neighborhood, to name a few. This need will
be evaluated when a visiting team comes to
visit the family. Simply saying a family wants
a house is not sufficient.
Applicants must demonstrate a willingness to
partner with us by completing “sweat equity”
hours. These volunteer hours will be donated
for the construction of the family’s house as
well as other projects that we have in the
area. Family and friends can also volunteer
in our store. We require attendance at a First
Time Homebuyer class at River City Community
Development Corporation or online
through the North Carolina Housing Finance
Agency. The hours spent in this training
counts toward the sweat equity requirement.
It is important to us that families take this
course because we want them to be successful
homeowners. It doesn’t do us or the
family any good to put them in a house that
they are unable to afford.
Applications may be picked up at Taylor
Mueller Realty, 440 S. Hughes Blvd., or at
our store, 306 Mill St. The store is open
Tuesday, 2-6; Thursday, 1-5; and Saturday,
8-4.
M-F 9 am to 5:30 pm For further information, contact us at echabitat@yahoo.com
Elizabeth City NC 27909
or call 252-384-0115.
Sat 9 am to 5 pm
Sun 1 pm to 5 pm
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