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 income levels—ranging from low to moderate. Your household income helps us match you with homes that fit your situation.
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 securely. 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 up as an inquiry. 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
After selecting a home, our team works with you to make sure you’re fully prepared to finalize your mortgage. From gathering documents to coordinating with lenders, we’ll make sure everything’s in place so you can move forward with confidence.