top of page
How it Works

Our next project is construction of two single-family homes in Waldport, with anticipated occupancy in late 2025.

The application deadline December 22, 2023.  We strongly encourage interested households to complete the online application found HERE.  To download a hard copy of the application, click HERE.


We regret that a Spanish version is not currently available online and we're working with the software developers to have this ready for our next application opportunity.  To download a Spanish version of the application, click HERE.

For applications received or postmarked by December 22, the next steps are:

You will receive one of two letters, based on the self-reported information in your application.​ 

  • If you do not meet the initial qualifications of need, willingness to partner, and ability to pay, you will receive a letter that tells you why you did not qualify.

  • If you do meet the initial qualifications, you will receive a notice of incomplete application with a request for additional documentation. 

Please note that our offices will be closed December 25 - January 1.  If your application is received near the December 22 deadline, our response may be delayed until after the office reopens on January 2, 2024.

For those who qualify, the process is:


Step 1:  Submit Documents

Submit all requested documents by the deadline as stated in the letter.

Step 2:  Income Verification

We will use the documents you supply to verify that you meet the income and debt limits of the program.

Step 3:  Sex Offender Background Check

We will check sex offender lists to verify that applicants and co-applicants do not appear on these lists.

Step 4:  Loan Qualification

If your verified income and debt fall within the program limits and you do not appear on the sex offender lists, you will be asked to work with a mortgage broker to pre-qualify for a loan from an approved lender.  At this time, USDA Rural Home Loans are the only approved loan product.  

Step 5: Home Interview

Once we receive your loan pre-approval, the Homeowner Selection Committee will schedule a home visit with qualified applicants and interview the families to further determine the applicants’ level of need.  After all home visits have been completed, the Committee makes a recommendation to the Board of Directors, who then make the final decision.

Step 6: Sign a Partnership Agreement

Step 7: Complete Financial Foundations and Homebuyer Training

Step 8: Complete Sweat Equity Hours / Help Build Your New Home

Ideally, you will complete sweat equity hours by helping build your new home.  You'll learn valuable skills to help maintain your home after the purchase.  Alternative methods for completing sweat equity are available for those physically unable to help with construction.

Step 9: Purchase Your Home / Sign Mortgage Documents

Once the home has been completed and a certificate of occupancy has been granted, partner families will sign loan documents and mortgage agreements.

Step 10: Move In!!!

Step 11: Begin Monthly Mortgage Payments


Equal Housing Opportunity

We are pledged to the letter and spirit of the U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, gender identity, handicap, familial status, or national origin.

Equal Housing Stamp.png
bottom of page