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We Still Believe

Lumber Bridge man gets down payment assistance Timmy Jacobs receives $4,000 from the Lumbee Tribe’s

By James Locklear

Lumbee Tribe

Public Relations

PEMBROKE – Timmy Jacobs’ journey to the Lumbee Tribe’s down payment assistance program started with a visit to the tribal complex one year ago to inquire about services.

His mother had told him to go by to check to see if he could qualify for assistance when he started making plans to get a new home.

It paid dividends for Jacobs on April 12. Jacobs and his wife April received a $4,000 check from the tribe’s down payment assistance program to help with the cost of a new doublewide mobile home.

Timmy Jacobs was ecstatic when he got a call that he would receive the assistance.

“I think it’s a wonderful program to help our people,” Jacobs said. “I just thank God we were able to qualify.”

Timmy and April Jacobs live in a 16X70 singlewide mobile home on Barlow Road near Lumber Bridge. The trailer is more than 30 years old.

He said it’s in good condition, but in need of minor repairs. The Jacobs family recently found a new doublewide mobile home recently at Vision Homes in Fayetteville and fell in love. He said they especially liked it after viewing the spacious master bathroom complete with a double sink vanity and other attractive amenities.

He said the $4,000 down payment assistance would go along way to help with paying for the $68,000 doublewide mobile home.

Jacobs is a tree surgeon for Carolina Tree Care. His wife is a cosmetologist at Top of the World hair salon in Lumberton. They have been married for 12 years and say getting a new home is a dream come true.

They say they are grateful to the tribe for the assistance.

“We really appreciate the help,” Jacobs said. “It’s a real blessing to have them help us. We are truly thankful.”

Down payment assistance

Kathy Locklear is the financial education/housing manager for the Lumbee Tribe of North Carolina.

Locklear said tribal members wishing to purchase a manufactured home with down payment assistance funds must buy a new doublewide mobile home or a modular home.

Locklear said applicants must have a deed in their name or buy a land home package. The home must have a permanent foundation.

She said down payment assistance applicants are also allowed to purchase a new or existing stick built home, or build a new home. Applicants must have loan pre-approval before they can apply for down payment assistance.

Locklear said down payment assistance funds range from $4,000 to $10,000 depending upon household income as compared to the national medium income.

For more information, visit the Lumbee Tribe’s website at or call (910) 521-7861.

James Locklear may be reached at or (910) 536-3918.

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