Steps to Owning Your Own Home

Steps to Owning Your Own Home the Mutual Self-Help Way with Northwest Housing Development.   You work on the exterior including siding, painting and porch construction.   Signing the final paperwork for his new home. Learn more about mutual self help housing

Application Day to Move-In Day
Following are the steps involved in building your home the mutual self-help way with Northwest Housing Development.

• Fill out then submit your application for review.
• Incomplete applications are returned.
• Complete applications are reviewed for eligibility. Income must be below 80% of the median income for your county and at least $20,000.
• You and a Group Coordinator will review your application, discuss your credit history and talk about the program to ensure it's the right fit for your household.
• In-office loan pre-qualification evaluation to help ensure your loan application will be approved by the lender.
• You choose the area you want to live in. If Northwest Housing Development does not own property in the area you choose to live in you'll be put on a list then notified when property is ready.
• You're placed in a building group.
• When your group has six to ten households your loan applications are submitted for approval.
• Your application is certified as eligible by a lender.
• You choose your lot in your group's housing development.
• You choose your house plans. You'll have plans to choose from according to the number of people in your household and your lot size.
• You attend four or five preconstruction meetings.
• You receive a comprehensive manual detailed with information and instructions for every step of the process and home ownership.
• Your loan closes.
• You get your building permits.
• You begin excavation and constructing the foundation.
• Framing.
• Electrical, plumbing and other work by contractors is done while you work on the exterior including siding, painting and porch construction.
• You complete interior finish work.
• Landscaping.
• When all homes are completed final inspections are done.
• Move into your new home. Congratulations.

Are you ready to realize your dream of owing your own home? Submit your application or contact us today.

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