Step 1: Completely fill out the inquiry 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 inquiry 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 (pay-stubs covering a 3 month period and 2 most current tax returns)
- Asset verification (3 months most current bank statements-checking and savings)
- 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 transferred to our lending department 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 a 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, you will be required to take a HUD approved Homebuyer Education class. We highly encourage all clients to meet with a Home Purchase Advisor prior to registering for any classes. Online classes are now available for your convenience, please ask your Home Purchase Advisor for further details.
Step 4: Follow 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 NPH services including a loan and/or down payment and closing cost assistance. Don’t get discouraged if it takes a little longer to complete your Action Plan items – feel confident that you are on the right path and that NPH is available to assist you along the way!