HomeBase
Loading your page
Getting the information you requested ready to view.
You can still use the navigation above.
HomeBase
Getting the information you requested ready to view.
You can still use the navigation above.
Starting points
Your situation is a starting point, not a label. Choose the one that feels closest and see what tends to help next.
That is where many buyers begin. Start with credit, documented rent, and a working savings target.
See the get-ready runway →“I do not think my credit is good enough yet.”
Plenty of buyers start here. Many first-time programs are built for exactly this stage, and a counselor can map a plan before you ever talk to a lender.
See this path →“I have been renting from family and feel behind.”
Informal arrangements are common and they are not a dead end. There are documentation-prep paths and counselors who do this every day.
See this path →“We earn enough, but one score is dragging us down.”
Two incomes are a strong position. A lender or counselor can show whether applying solo, or spending a few months on one score, opens better terms.
See this path →“We were behind, but we fixed it. Is it too late?”
Recovery counts. Many programs and loans have defined waiting windows, and being current again is exactly what lenders look for.
See this path →“I serve the community but cannot buy in it.”
There are programs built specifically for teachers, first responders, government, and union members — including help tied to your employer.
See this path →“I am scared I will mess this up.”
Feeling overwhelmed is the most common starting point, not a disqualifier. The process breaks down into a few clear, ordered steps.
See this path →Explore support for the home you have and the next decision ahead.
Want new resources as they land?
We will share new programs and guides for buyers like you. Always optional.
Voluntary and never required. We record your consent and you can leave anytime.