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
Black Hawk County
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
Bremer County
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
Buchanan County
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
Butler County

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

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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

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Our Commitment to Belonging and Opportunity
At Iowa Heartland Habitat for Humanity, we believe every person deserves a place to call home—and a community where they are welcomed, respected, and empowered to thrive. Rooted in our faith and guided by our commitment to Koinonia, we work to expand opportunity and foster belonging through every aspect of our mission—from how we build and who we serve to the culture we cultivate within our team. As an equal opportunity employer and housing organization, we reject discrimination in any form and strive to model a world where compassion and opportunity lead to lasting change. We welcome people of all backgrounds, identities, and abilities—including members of the LGBTQ+ and BIPOC communities, people of all faiths or none, and people of all abilities—because when we unite through God’s love, we build more than homes—we build community and hope for all.
Non-proselytizing policy 
Habitat for Humanity and its affiliate organizations will not proselytize. Nor will Habitat work with entities or individuals who insist on proselytizing as part of their work with Habitat. This means that Iowa Heartland Habitat for Humanity will not offer assistance on the expressed or implied condition that people must adhere to or convert to a particular faith or listen and respond to messaging designed to induce conversion to a particular faith.
Copyright © 2024 – 2026 Iowa heartland habitat for humanity. All rights reserved.
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