The open application period is now closed.
You can fill out the form below to be informed when the next application period opens.
While you wait for the next application session to begin we encourage you to complete the following steps to ensure that you are adequately prepared for the application process.
STEP 1: Pull your free annual Credit Report. Because you are applying to purchase a home through our program we are required to evaluate your ability to pay a monthly mortgage by reviewing your credit report. Having a good payment history and adequate credit is essential to being a good homeowner. Visit freecreditreport.com or creditkarma.com to request your free credit report from Experian Credit Bureau. You can review your credit report to identify any negative debt (judgments or collections). If any is found you can make arrangements to pay-off or remove the debt to put you in a better position to qualify for our program.
STEP 2: Ensure that you have a steady work history for at least six months or steady income for at least one year. As stated above, the ability to pay the loan is one of our criteria for approval. Therefore, you must have consistent income in order to be considered for the program as well as steady work history. If you receive government assistance or social security, we will need copies of the award letters for 2016.
STEP 3: Gather identification information for household members. We will require a copy of social security cards for all family members listed on the application. If you do not have social security cards, now would be a good time to order new ones. Also, all applicants (people to be listed on the house loan) and spouses, will need to provide a copy of their birth certificate, permanent residence card or U.S. passport. If you do not have these documents handy please take this time to collect those documents.