H.O.M.E. Program – Home Ownership Made Easy

Helping You Achieve the American Dream! Home ownership is not an impossible goal. Together, we can achieve it!

Buying a new home is one of the biggest decisions you may ever make. And you don’t have to make it alone. The Keystone HOME Program was created to help you work through the home buying process and receive financial guidance along the way.

How it works:
The HOME Program will match you up with a Mortgage Loan Counselor to help you develop a home ownership plan. You’ll meet with your Loan Counselor monthly to make sure that your personal home ownership plan is working and to see if there are any tweaks that can make the process easier.

During this time, you will also meet with a Keystone representative who will keep you up to date on available homes, new floor plans and answer any questions you may have about buying a new home.

Once you join the HOME Program, you’ll be on your way to owning your piece of the American dream.

As a member of the HOME Program, you’ll receive …

• Help with your credit rating, such as tips on how to repair, restore and improve!
• Help managing outstanding debt and following a personal budget.
• Valuable information from professionals in the financial industry.

How to get started …
Once you’ve identified a Keystone home that is right for you and your family, you’ll meet with an approved Mortgage Loan Counselor. The Mortgage Counselor will help you formulate a plan to help you qualify for a mortgage in the shortest amount of time.

Our Process …
1. Getting Started – Once you’ve identified a Keystone home that is right for you, you’ll meet with an approved Mortgage Loan Counselor. Your Mortgage Loan Counselor will explain the HOME Program and its benefits.

2. Enrollment – There is a $100 enrollment fee and minimum monthly payment of $100. All payments made to the HOME Program will be credited toward the purchase of your Keystone home. Keystone will match on a dollar-for-dollar basis all of your contributions up to $2,000. This money can then be applied to your down payment, closing costs, or design studio upgrades!

3. Planning – Your Mortgage Loan Counselor will help you formulate a plan to help you qualify for a mortgage in the shortest amount of time.

4. Update – You’ll receive your updated financial status reflecting the changes you’ve made through the HOME Program.

5. Celebrate – Celebrate your successful graduation from the HOME Program by finalizing the agreement on your brand new Keystone Home.

**Home Program member acknowledges and agrees that entry into the program will not guarantee the Home Program member’s acceptance into any particular loan program, that the Home Program member will ultimately receive or obtain financing or that the Home Program member will achieve a better credit score.

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