required documents

-No judgement or lawsuit or middle of divorce
-2 years employment W2 (no gaps)
  (if Self Employed 2 yrs tax returns)
-No DISPUTES in your credit report
-No Bankruptcy in the past 2 years, No Foreclosures or Short sales in the past 3 years
-No Late Payments on your rental (copy of past 12 checks)
-No NSF in bank account (past 2 months)

INCOME ELIGIBILITY

To be eligible for Purchase Assistance, a homebuyer’s total annual household income, as defined by the U. S. Department of Housing and Urban Development (HUD), cannot exceed the maximum annual income limit as adjusted for the number of occupants, related or not, residing within the residence.

Annual income is calculated by adding all sources of income from all household members over the age of 18 currently living in the home or will occupy the home within one year. Income includes salaries, child support, alimony, social security, pensions, public assistance, income-producing assets or income from any other source.

Saint Petersburg:
This program is also known as WIN PROGRAM
80% AMI can purchase anywhere in the city of Saint Petersburg.
Anything over 80% AMI can purchase only on in one area in St Pete South.

Funding for households with income between 81% and 140% of the Area Median Income (AMI) may be limited. Funds within the 140% category are limited and available on a first-come-first-served basis.

Tampa:
This program is also know as DARE TO OWN THE DREAM

Up to $40,000.00 toward the purchase of the home:

0-50% AMI                       $40,000.00
50.01%-80% AMI         $30,000.00
80.01%-120% AMI      $20,000.00
120.01%-140% AMI     $15,000.00

MUST NOT be under contract before receiving a reservation number.

Real Estate Agent and Loan Officer MUST be on the list as an approved vendor, in order to receive any commissions.

Flyer - Tampa

DO YOU NEED CREDIT REPAIR?

For a loan approval you need a minimum middle credit score of 620.

If you need help fixing your credit and raising your score, we recommend UQUAL.

ENGLISH: Mathew Welch – [email protected]
(720) 649-8327

SPANISH: Melissa Olivas  [email protected] 
(720) 647-3196