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Is the time right to purchase a home? What size home do I need? How much do I have to put down on the purchase? A budget worksheet will help you figure out your household expenses. This document is required and is recommended as the first step before considering home ownership.
Are you pre-qualified or pre-approved by a HUD lender? A pre-approval is a step up from a pre-qualification. A pre-qualification is more of an estimate, while a pre-approval is generally a true conditional loan approval issued after your income and assets have been fully underwritten.
Please complete your application and submit it to the Community Development Program Manager (CDPM) for approval. Once approved, the CDPM will schedule for your 8-hour homebuyer education class.
Once a completed application has been submitted, the CDPM will typically review your completed application and provide a plan of action within 5 business days. Staff will also schedule a meeting with you to review the plan and help you take steps needed to apply for a first mortgage loan from a participating HUD lender of your choice. Once approved for the program, offers-to-purchase must allow for 30-45 days between acceptance of the offer and closing.
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