FAQ

Eligibility is based on factors such as income, credit score, first-time homebuyer status, and the location of the property. Each program has different requirements, and we can help determine which ones you qualify for.

Not always! Some programs are specifically for first-time homebuyers, but others are available for repeat buyers, move-up buyers, or those who haven’t owned a home in the past few years.

Credit score requirements vary by program, but many require a minimum score of 620. Some programs may accept lower scores, especially if other financial factors are strong.

It depends on the program! Some offer grants (no repayment required), forgivable loans (that don’t need to be repaid after a certain period), or low-interest second mortgages. We’ll help you explore your best options.

Most programs have property eligibility guidelines, such as price limits or requirements that the home be your primary residence. Investment properties typically do not qualify.

The amount varies by program, location, and financial need. Some programs cover the full down payment, while others contribute toward both the down payment and closing costs.

Many programs allow for low or no out-of-pocket costs, but some require a minimum investment from the buyer. We can guide you on how to minimize your upfront expenses.

The timeline varies, but most buyers can close within 30-45 days once they are pre-approved and have an accepted offer. We work to ensure a smooth and efficient process.

Yes! Some buyers combine different assistance programs for additional financial benefits. We can help structure the best possible deal for your situation.

If You Are a W-2 Employee:

• Most recent 2 years of W-2s
• Most recent 1 month of pay stubs
• Most recent 2 months of bank statements
• Government-issued photo ID

If You Are Self-Employed or 1099:

• Most recent 2 years of personal and business tax returns (with all schedules) 
• Year-to-date profit and loss statement (P&L)
• Most recent 2 months of business and personal bank statements
• Government-issued photo ID

Note:

Additional documentation may be requested depending on the assistance program and your financial profile.