All Members (buyers) are placed into this Program. This Program is structured to help individuals who can not purchase a home through traditional methods. We assist these individuals with understanding how credit and debt affect their qualification status, provide credit counseling and assistance, and include down payment and closing cost assistance through credits accumulated for on-time payments, membership fees, and any repairs made to the property. Each Member will receive newsletters with market and industry updates, and will have access to our inventory of properties that are available now and ones as they come available.

Qualification

To qualify for the Program and/or any of our properties, you must fill out the application below, which is a standard short-form mortgage application. Upon filling out the application, a one-time $50 application fee must be paid to enroll in the Program. Once we have received the completed application and application fee we will process the application and contact you within 48 hours to fully discuss your individual status and begin with the Mortgage Approval Services.

Membership Fee & Agreement

Members are required to pay a monthly fee of $39 for Mortgage Approval (MA) Services. MA Services include credit coaching and counseling, one-on-one consultations, and up-to-date property matching. We will credit back to you all Membership Fees that you pay while in the Program once your permanent financing is secured on a property. These credits will go towards closing costs at permanent financing.

Members must sign a Membership Agreement. This Agreement outlines our services in detail. Please print off the form below and return to our office by fax, email, or mail. Please feel free to contact our office with any questions.

HMA Fee

Once we’ve located a property for you, we will schedule a preliminary closing and record all necessary documents. The Member must pay a 1.5% fee to cover costs of recording and filing all documents. The 1.5% will immediately qualify you to earn up to 10% in equity/down payment.