Frequently Asked Questions

How do I get started?

We’re glad to get you started on the path to homeownership or saving your home! Click the button below to fill out our Counseling Intake Form:

How does the First Time Homebuyer Program work?

Step 1: Please fill out our intake form.

 

Step 2: Register for a 6-hour virtual workshop. You must also register for a 2-hour virtual workshop if you live in a city or county that requires 8 hours total to qualify for down payment and/or closing cost assistance.

Step 3: Once you completed the intake form and the First Time Homebuyer Workshop(s), you must meet one-on-one with one of our HUD-certified counselors for a counseling session. After this counseling session, you will receive your certificate to apply for the down payment and/or closing cost assistance.

What does REACH do?

REACH serves the low-moderate income community by offering programs and services that include:

  • Homebuyer Education Workshops
  • Pre/Post Purchase Counseling
  • Foreclosure Prevention
  • Fair Housing Laws
  • Post Closing and Mortgage Modification
  • Home Maintenance
  • Credit and Budget
  • Landlord Law
  • Financial Literacy and Empowerment
What is the next step after I complete the workshop?

After completing the 6 hour workshop and the additional 2 hour workshop (if your county, city or program you participate in  requires 8 hours), you must complete the intake form and submit copies of the documents listed on the first page of the intake form. A counselor will reach out to you within 2-4 weeks to conduct an affordability counseling session, assist with completing the application for the assistance and issue the certificate of completion.

 

Does a co-applicant have to take the First Time Home Buying Workshop?

If you are applying for a mortgage loan or any assistance program with a co-applicant then, the co-applicant is required to also complete the workshop. 

Are there any income restrictions involved in these programs?

The Income Limits generally change on an annual basis. The limits may vary based on the county in which the home is located. Total gross household income is used for income limit purpose.