Anyone applying to the Homeownership Program must qualify along with our income and credit guidelines; in addition to being willing to complete program requirements, such as performing a minimum of 125 hours of sweat equity (volunteer service hours), attending monthly workshops, completing a set of pre-homeownership counseling sessions, and saving monthly for closing costs within an 8-month period.
Once you submit an online pre-screen application, our Homeowner Services team will confirm whether your household meets our basic program guidelines. If you qualify, you will be asked to submit a full application, which includes submitting an application fee ($35 per borrower), sharing any requested additional verification documents, and as needed, interviewing with our team.
Our selection process will also include a review of your household finances, credit history, employment history, residency, and other qualifications.
The pre-screen application is only made available when our construction schedule has homes available. If you have applied in the past, you will need to submit a new application each time we have homes available. All pre-screen applications that are received on time and filled out completely will be entered into a lottery for consideration. The lottery ONLY determines the order in which your full application will be reviewed. It does not guarantee you a home or a place in our Homeownership Program. We will review applications until we find our desired number of program participants for this application cycle.