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Get Started on the Path to Home Ownership Today!
Fill out the questionnaire below as accurately as possible to find out which programs you qualify for on the Path to Home Ownership and
schedule a time to view a home.
Please read information below before filling out questionnaire. We will contact you with your next steps after you fill out the questionnaire.
(This is not an actual application. This information is only used by us and our mortgage lending partner and real estate partners, it will not be given to third parties for any reason.)
It's free to get started! We don't charge any fees for access to our website or to view our homes
We make home ownership possible with our programs and we have helped many people like you buy a home.
You may even be able to qualify for a down payment assistance programs!
Even if you don’t qualify for a home loan right now, one of our team members may even be able to work with you to help you qualify!
If we don't have the home you are looking for, we will contact you when a home becomes available that meets your purchase criteria, fill out the form below to be one of the first to know about new homes!
General guidelines to qualify for Step 2 Rental:
Eviction within 3 years or Bankruptcy ch 7 or 13 within 2 years may not be approved however may still be considered if rental history is good for last 3 years, if approved may require additional month or more of rent + move in fee prior to move in.
Foreclosure/short sale within the last 2 years may not be approved however may still be considered if rental history is good for last 3 years but may require additional month or more of rent + move in fee prior to move in.
No rental history for last 3 years or staying with friend/family may not be approved, however may still be considered if putting down 6 months up front + move in fee to be approved
In the application review process landlords are contacted and application is reviewed along with background and any relevant information to determine your ability to pay rent each month and on time
Please review pet policy and income requirements in property details section
General guidelines to qualify for Step 4 Purchase:
No bankruptcy Ch 7 in last 2 years, if Ch 13, making payments for at least 1 year
No foreclosure or short sale in last 3 years
No derogatory or late payments in last 12 months
No repossessions or charge offs in the last 2 years
Credit score above 640, qualification may be possible below 640 but higher down payment may be required by lender
Employed in same line of work for 2 years or more if W2
If self employed, last 2 years of tax return filing as 1099 contractor required
Debt to income ratio including student loans below 43% - Don't know your DTI? Calculate here: www.mortgagecalculator.org/calcs/debt-ratio.php
Student loan debt will be calculated in debt to income ratio, high student loan debt may disqualify you from buying right now.
Mortgage lender will review all above with credit score and debt to income ratio to determine if you can qualify now and how much you can qualify for.
*Note: Qualifications are subject to change, lender will have most accurate and current information.
If not able to qualify to buy now we will email you with next steps to help you on your path to home ownership to qualify to buy in the future
Questions? Call us
(404) 419-6142
(404) 419-6142