Step 1: Completely fill out the intake form and provide the items listed on the form. Submit these to NPH by Email, Fax-505-722-5029, U.S. Mail or drop them off to Bernadine Lee, email@example.com, 505-722-0551, 1664 South 2nd Street, Gallup, NM 87301
-Please note the following are listed on the intake form and are required with your completed form:
- Credit Report Fee: Check or Money Order will be required in the amount of $29.10 for unmarried applicants, and $38.47 for married. (Please note: we no longer accept reports from internet sites as they are not accepted by lending institutions)
- Income verification
- Asset verification
- Information on your Home Site Lease (if applicable) including, 200RL, 200UL, or 200NL, and/or a copy of the deed. Please include copies of the Cultural Compliance Form and Archaeological Survey.
Step 2: Once NPH Staff has reviewed your credit report and other information you have provided, a Home Purchase Advisor will contact you to schedule an appointment.
Based on the Home Purchase Advisor’s evaluation of the information you have provided, they will design a Personalized Action Plan which will be your Path To Homeownership. The Plan will indicate what action items you will need to complete before you can be considered for a mortgage loan and/or for a down payment and closing cost assistance program. Action items may include paying down some of your debt, disputing inaccurate items on your credit report, opening a savings account and establishing banking relationship or completing Native Partnership for Housing, Homebuyer Education and Financial Fitness classes.
Step 3: Get Educated! After you have met with your Home Purchase Advisor, they will determine if you need to take a Homebuyer Education class. We highly encourage all clients to meet with a Home Purchase Advisor prior to signing up for any classes.
Step 4: Work on and complete recommended items on your Action Plan.
Some customers will need long-term credit repair or budget counseling before they will be able to qualify for a loan and/or down payment and closing cost assistance. Don’t get discouraged if it takes a little longer than you initially planned to complete your Action Plan items – feel confident that you are on the right path and that NPH is here to assist you along the way!