HOME LOAN PROGRAM
THE SECURITY OF HOMEOWNERSHIP IS WITHIN REACH
The House Key Opportunity offers down payment assistance and better loan terms for first-time home buyers with low to moderate incomes.
Even if you don’t have a down payment or experience with the home buying process
With the Home Key Opportunity, you can potentially access grants of up to $10,000 towards your down payment, and a reduced interest rate on your loan.
AM I ELIGIBLE FOR HOUSE KEY OPPORTUNITY?
I am a first-time homebuyer or have not owned my home in the last three years
OR I’m not a first time home buyer, but can buy in a low-density Target Area
My income is within the program limits for my location and family size
The home I'm buying is under the maximum allowed price for my area
If you answered yes, let’s get started
Our free homebuyer education seminars answer your questions and help you prepare you for homeownership, with no commitment and at no cost. You can also connect with a loan officer first, and find out how to qualify for a home loan.
INCOME LIMITS
House Key Opportunity serves people whose income is under the following limits. In targeted areas, those limits are higher. See our Targeted Areas Map to learn more.
COUNTY
NON-TARGETED AREA (1-2 PERSONS)
NON-TARGETED AREA (3+ PERSONS)
TARGETED AREA (1-2 PERSONS)
TARGETED AREA (1-2 PERSONS)
Effective 03/01/2019
Am I in a Targeted Area ?
MAXIMUM PURCHASE PRICE
If buying in a targeted area, the borrower does not need to be a first-time homebuyer. See Targeted Areas for more information and maps. **Loan amounts may not< exceed $510,400 in any county including high cost areas.
COUNTY
NON-TARGETED AREA (1-2 PERSONS)
TARGETED AREA
Effective 03/01/2019
Buying a House is Big Step…
But Not too Big
Our program is designed to get you into a home and keep you there.
After the seminar, you will connect with a qualified loan officer and real estate professional to complete your preparation and find your house.
(If you’re not quite ready, the seminar attendance certificate is good for two years.)
Once you are settled in your new home, we offer information on how to keep up with maintenance and payments if things go wrong
Looking for a Commission
Approved Lender
Frequently Asked Questions
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