Blueprints Program

Personalized financial coaching

You work hard every day. Owning a home should feel possible.

The Blueprints Financial Coaching Program provides one-on-one financial coaching and practical support to help you build savings, strengthen credit, and prepare for homeownership. 

Is Blueprints Right for You? 

This program was designed for working individuals and families who want to become homeowners but need additional support to get there.

Blueprints might be a good fit if:
    • You work hard but still feel stuck renting
    • You have a steady income but struggle to build savings
    • You've been told your credit needs improvement before qualifying for a mortage
    • You earn too much for many assistance programs, but still cannot comfortably buy a home
    • You want long-term stability for yourself or your family

Eligibility

Blueprints is designed for households earning up to 120% of Area Median Income who are working towards mortagage readiness.

If your credit, savings, or debt-to-income ratio are preventing you from qualifying for a home loan today, this program may help you create a plan for the future.

Applicants with credit scores below 640 may be eligible.

Income Guidelines

Family Size
Income Range
1
$19,800-$52,750
2
$22,600-$60,250
3
$27,320-$67,800
4
$33,000-$75,300
5
$38,680-$81,350
Comté de Black Hawk
Family Size
Income Range
1
$22,750-$60,700
2
$26,000-$69,350
3
$29,250-$78,000
4
$33,000-$86,650
5
$38,680-$93,600
Comté de Bremer
Family Size
Income Range
1
$20,900-$55,650
2
$23,850-$63,600
3
$27,320-$71,550
4
$33,000-$79,500
5
$38,680-$85,900
Comté de Buchanan
Family Size
Income Range
1
$20,350-$54,250
2
$23,250-$62,000
3
$27,320-$69,750
4
$33,000-$77,500
5
$38,680-$83,700
Comté de Butler

What You'll Work On

Participants meet monthly with a dedicated financial coach and complete homeownership education classes while working towards goals such as:
     • Build savings at a pace that works for their budget
     • Strengthen credit through clear, realistic action steps 
     • Better understand the homebuying process 
     • Prepare for mortagage approval through a traditional lender 
     • Develop long-term financial habits that support stable homeownership 

Additional Benefits of Participating in Blueprints

Participants may also have access to additional resources that help make homeownership more achievable, including: 
     • Up to $15,000 in down payment assistance for qualified graduates
     • Access to affordable 2% repair financing for eligible repairs after purchase 
     • Referrals to trusted local lenders and real estate professionals 
     • Guidance navigating the mortgage and homebuying process

Ready to take the Next Step?

Homeownership may be more achievable than you think. 

Apply for the Blueprints Financial Coaching Program today to begin working with a financial coach and creating a personalized plan toward homeownership. 

Questions? Call Iowa Heartland Habitat for Humanity at (319) 235-9946 or apply online today!

Apply Online

View Checklist

StoRIES of Impact

Sausha

"My future has changed in a lot of great ways. I have a 2-year-old daughter and I’m just excited for her to have a home where she can grow up in."

Apply Online

We are now accepting applications for our Blueprints Program online. Please contact Iowa Heartland Habitat for Humanity at 319-235-9946 if you have any questions.

Blueprints Application

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Notre engagement en faveur de l'appartenance et des opportunités
Chez Iowa Heartland Habitat for Humanity, nous pensons que chaque personne mérite un endroit qu'elle peut appeler son foyer et une communauté où elle est accueillie, respectée et où elle a les moyens de s'épanouir. Enracinés dans notre foi et guidés par notre engagement envers la koinonia, nous nous efforçons d'élargir les opportunités et de favoriser l'appartenance à travers chaque aspect de notre mission - de la manière dont nous construisons et des personnes que nous servons à la culture que nous cultivons au sein de notre équipe. En tant qu'employeur et organisme de logement souscrivant au principe de l'égalité des chances, nous rejetons toute forme de discrimination et nous nous efforçons de modeler un monde où la compassion et les opportunités conduisent à un changement durable. Nous accueillons des personnes de toutes origines, identités et capacités - y compris des membres des communautés LGBTQ+ et BIPOC, des personnes de toutes confessions ou sans confession, et des personnes de toutes capacités - parce que lorsque nous nous unissons grâce à l'amour de Dieu, nous construisons plus que des maisons - nous construisons une communauté et de l'espoir pour tous.
Politique de non-prosélytisme 
Habitat for Humanity et ses organisations affiliées ne feront pas de prosélytisme. Habitat ne travaillera pas non plus avec des entités ou des personnes qui insistent sur le prosélytisme dans le cadre de leur travail avec Habitat. Cela signifie qu'Iowa Heartland Habitat for Humanity n'offrira pas d'assistance à la condition expresse ou implicite que les personnes adhèrent ou se convertissent à une foi particulière ou écoutent et répondent à des messages conçus pour induire une conversion à une foi particulière.
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