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
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.
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
$19,350-$77,280
2
$22,100-$88,320
3
$26,650-$99,360
4
$32,150-$110,400
5
$37,650-$119,280
Okrug Crni Jastreb
Family Size
Income Range
1
$22,500-$89,880
2
$25,700-$102,720
3
$28,900-$115,560
4
$32,150-$128,400
5
$37,650-$138,720
Okrug Bremer
Family Size
Income Range
1
$20,900-$83,520
2
$23,850-$95,520
3
$26,850-$107,400
4
$32,150-$119,280
5
$37,650-$128,880
Okrug Buchanan
Family Size
Income Range
1
$19,350-$77,280
2
$22,100-$88,320
3
$26,650-$99,360
4
$32,150-$110,400
5
$37,650-$119,280
Okrug 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
• 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
• 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 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
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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
