The Comprehensive Homeownership Program

CHP makes homeownership accessible, and affordable for low-to-moderate income individuals by providing loans with the lowest downpayment requirements, and affordable mortgage payments that do not raise borrowers’ debt-to-income ratios (DTI) above 45%.

 

The CHP Program includes:

• Credit and Financial Fitness Counseling to help individuals navigate the complexities of becoming “buyer-ready”.

• Buyers’ Agent Real Estate Broker Services to ensure our customers get homes that meet their needs within their budgets.

• Closing Guarantee to help our customers compete with all-cash and cash guaranteed offers in a competitive, multi-bidder market.

• One-stop Financing Package complete, fixed rate, to 105% CLTV with deferred down payment assistance and no mortgage insurance that maximizes affordability.