To Qualify, You Must:

To Qualify, You Must:


Be a first-time homebuyer (which means you haven’t owned a home within the past three years, or you owned a home only while married but not as a single person within the last three years – this includes a married couple if either has not owned a home in the past three years).

To Qualify, You Must:


Secure a first mortgage through a participating lender.

To Qualify, You Must:


Have an income at or below 80 percent of the area median income.

To Qualify, You Must:


Not be a student working less than 30 hours per week.

To Qualify, You Must:


Complete at least four hours of homeownership counseling prior to purchasing the home.

To Qualify, You Must:


Agree to maintain the home for five years to retain the full amount of the grant. If a sale occurs before the five years expire, a portion of the grant may be required to be repaid.

To Qualify, You Must:


Citizens Mortgage Corp. will review these and other program requirements with you.