While building a new home usually takes years, our program delivers new homes in just a few months. Open the guide to read about the experience our homebuyers have, and set your expectations for the future!

Mortgage pre-approval is the first step to owning your own home. It’s a serious decision, but it doesn’t have to be difficult. Banks and Mortgage lenders are experienced and can walk you through the process step-by-step. Share this sample letter with your lender to ensure your letter meets all of the program’s requirements. View our Sample Mortgage Pre-Approval Letter. Feel free to bring this along when you meet with your lender! 

• What amount should I get pre-approved for? Home prices vary by area. Check your area’s page, or reach out to your program coordinator for more information.
• What credit score do I need? Lenders generally look for a FICO credit score of around 620–640. Some lenders, like local credit unions, will make exceptions for low credit scores. 
• How do I get financial literacy training? After you are accepted into the program, we will connect you with a course in your area.
• How long is the class? Courses are flexible. They often consist of one day-long class, followed by monthly check-ins.
• How long until I can buy? It varies! Many people need a few months before they are prepared to buy. If your income and credit score fit the qualifications, we can begin building your home in under a month. 
• Will you tell me which bank to use? No. While we work closely with local banks and are happy to connect you with one who is familiar with the program, you are free to choose your own lender. Feel free to share the program information with them. 
• How does a mortgage payment break down? Your mortgage payments include the mortgage itself, the interest, and often a required PMI (primary mortgage insurance) payment.