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The Homeownership Program provides opportunities for safe, affordable housing for low-to-moderate income applicants unable to obtain financing with a conventional lender.    Upon being approved and selected for the program, an assigned housing counselor will serve as a liaison for applicants throughout the construction phase and closing of the home.  The Lumbee Tribe of North Carolina will construct the home and act as the lender.   Homes may be built on the applicant’s land or in a tribal subdivision.


Home buyer education will be provided to all applicants.  An orientation will be scheduled, with focus upon housing plans, budgeting, and general maintenance/upkeep of the home. The Homeownership Program operates on a first-come, first-serve basis, from a waiting list.


Applications are accepted for homeownership from applicants who meet the eligibility requirements, which include, but are not limited to the following:

  •  Applicant must be an enrolled member of the Lumbee Tribe of North Carolina.

  •  Applicant must be at least 18 years of age.

  •  Applicant must be a first time home buyer.


Applicants for homeownership must not have received prior housing assistance from the Lumbee Tribe or any other governmental housing agency for the construction or purchase of a home.  Tribal members who receive homeownership assistance must agree to use the home as their primary residence during the term of the homeownership agreement and the home must be located within the tribal service area of Cumberland, Hoke, Robeson, and Scotland Counties.


Homeownership applicants are not eligible for both homeownership and down payment assistance.  Applicants that are ineligible for homeownership or down payment assistance are encouraged to apply for the Section 184 Loan Guarantee Program through local lenders.

Applications for homeownership are accepted Monday-Friday, from 8:00 a.m. until 4:00 p.m.  The following documents are needed to apply for homeownership.  Applications will not be accepted without all supporting documentation for each member of the household.


Homeownership Checklist:

  • Copy of applicant’s current tribal enrollment card

  • Copy of applicant’s picture identification

  • Copy of social security cards for all household members

  • Copy of birth certificates for all dependents

  • Proof of income for all household members

  • Criminal record will be performed in office for household members age 16 and older.

  • Credit Checks will be performed for applicants.


Lisa Hagins, Housing Specialist

Phone: (910) 522-5476


Kathy Locklear, Financial Education/Housing Manager
Phone: (910) 522-5479

Homeownership Program

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