Building homeownership, block by block.
 

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FAQ


 

How do I know if I qualify?

We review your application and supporting documents to check if they meet our qualification standards:

  1. No evictions, foreclosures, liens, bankruptcies, or open judgments for the last 5 years

  2. Money for a down payment (10% of the house price) or qualification for an assistance program

  3. 2 years of good rental history

  4. 2 years of employment or regular income

If you are not sure if you qualify, apply and we will inform you if you do, or let you know why you do not.

What if I have bad credit?

While we run a credit and background check after you apply, we are primarily checking for evictions, foreclosures, bankruptcies, judgments and liens; we do not focus on your credit score. Instead, we pay more attention to your rental and income history.

How do you decide how much house I can afford?

  

We consider your monthly budget and limit your monthly payment to 30% of your gross monthly income to ensure affordability.

How long is my qualification valid for?

  

Your qualification is valid for 3 months

Which homes can I choose?

 

You can choose any home on the market that you like within your specified price range. We then negotiate with the seller and conduct a series of checks to make sure the house qualifies (e.g. home inspection, title check, appraisal). Because we want to make sure your home is as move-in ready as possible, we do not currently purchase

  1. Auction properties

  2. Foreclosures

  3. Homes that cannot pass a home inspection (for example “fixer-uppers”)

  4. Condos

  5. Mobile homes

  6. Pre-constructed homes