Take the first step—we’re here to guide you home.
1. Do I Qualify?
There are different types of homes available through NRHT, and each one has its own eligibility criteria based on household income level.
Not sure if you qualify? That’s okay.
Don’t count yourself out. We encourage everyone to apply or attend one of our info sessions. It’s our job to help you figure out eligibility and walk you through the process—we’re here to help, not judge.
2. Apply Today
Our application is free, straightforward, and confidential. You’ll upload a few financial documents through our secure portal. Once submitted, our team will review your information and let you know if you’re eligible—usually within 48 hours.
You can apply online by creating a secure account, or stop by our office if you prefer to do things in person. Either way, you’re never alone in the process.
3.Selection & Preparation
If you’re eligible and want to move forward, there’s a $35 fee for a soft credit check—this won’t impact your score or show as an inquiry on your credit report. It helps us get a complete picture of your financial situation and gives you a copy of your full credit report, too.
Next, we’ll meet to discuss which homes you’re eligible for. If you find a home you love, we’ll help you work with a lender, secure a pre-approval, and move forward with a purchase contract.
4. Get Mortgage-Ready
If you’re not currently mortgage ready, don’t sweat it, our team will help you work to overcomes whatever barriers exist.
If you are ready to apply for a mortgage, our staff will help you prepare for an application with one our approved lenders. From gathering documents to coordinating and reviewing loan quotes, we’ll make sure everything’s in place so you can move forward with confidence.