Cómo calificar en español.

Take a look at our Qualifier Questions below – meeting these requirements is the first step.

  • Are you a FIRST-TIME home buyer or have not owned a house in the last 3 years?
  • Is your household income within the following limit:
    Household Size: 1  |  Gross Income: $47,750.00
    Household Size: 2  |  Gross Income: $54,350.00
    Household Size: 3  |  Gross Income: $61,150.00
    Household Size: 4  |  Gross Income: $67,900.00
    Household Size: 5  |  Gross Income: $73,350.00
    Household Size: 6  |  Gross Income: $78,800.00
    Household Size: 7  |  Gross Income: $84,200.00
    Household Size: 8  |  Gross Income: $89,650.00

*The household income limits were last updated as of April 15, 2021. Income limits are set by the U.S. Dept. of Housing and Urban Development.

  • Do you qualify for a mortgage?  (If you need help identifying a lender, SJHI can refer you)
  • Do you plan to live in this house for at least the next 5 years?
  • Are you willing to attend the Home Buyer Education classes required for participation?
  • Are you willing to participate in credit coaching if required to help you improve your eligibility for a mortgage?
  • Will you participate in our First Neighbors Program by agreeing to be paired with a team of neighborhood residents, that can offer assistance with questions, share information about neighborhood activities, and introduce you to other neighbors?

Your lender will need:

1. Income documents:

  • Pay stubs covering the most recent 30 days that include your year to date earnings
  • Federal tax returns, personal (and business if applicable) for the most recent 2 years
  • W-2s and /or 1099’s for the past 2 years
  • Copy of Social Security/Pension/Child Support awards letter (if applicable)

2. Asset documents:

  • Bank Statements – all pages for most recent 2 months
  • Investment &/or Retirement Accounts – all pages covering last 2 months