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
Condado 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
Condado 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
Condado 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
Condado 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!

Solicitar en línea

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."

Solicitar en línea

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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Nuestro compromiso con la pertenencia y la oportunidad
En Iowa Heartland Habitat for Humanity, creemos que cada persona merece un lugar al que llamar hogar, y una comunidad en la que sean bienvenidos, respetados y capacitados para prosperar. Arraigados en nuestra fe y guiados por nuestro compromiso con la Koinonia, trabajamos para ampliar las oportunidades y fomentar la pertenencia a través de cada aspecto de nuestra misión, desde cómo construimos y a quién servimos hasta la cultura que cultivamos dentro de nuestro equipo. Como empleador y organización de vivienda que ofrece igualdad de oportunidades, rechazamos la discriminación en cualquiera de sus formas y nos esforzamos por modelar un mundo en el que la compasión y la oportunidad conduzcan a un cambio duradero. Acogemos a personas de todas las procedencias, identidades y capacidades -incluidos miembros de las comunidades LGBTQ+ y BIPOC, personas de todas las creencias o de ninguna, y personas con todas las capacidades- porque cuando nos unimos a través del amor de Dios, construimos algo más que hogares: construimos comunidad y esperanza para todos.
Política de no proselitismo 
Hábitat para la Humanidad y sus organizaciones afiliadas no harán proselitismo. Hábitat tampoco trabajará con entidades o individuos que insistan en hacer proselitismo como parte de su trabajo con Hábitat. Esto significa que Iowa Heartland Habitat for Humanity no ofrecerá asistencia con la condición expresa o implícita de que las personas deban adherirse o convertirse a una fe en particular o escuchar y responder a mensajes diseñados para inducir la conversión a una fe en particular.
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