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Eligibility Requirements

Eligibility Requirements


  • All borrower’s must be at least 62 years of age and a citizen or legal resident. The older you are, the more funds you may be eligible to receive. 

  • There are programs available for borrowers as young as 55.

  • All borrowers must be on the deed.

  • Must not be delinquent on any federal debt.

  • Must have at least 50% equity in the property.


  • Property must be owner-occupied, primary residence.

  • Single family home

  • Condominiums and PUD/ Townhomes

  • Manufactured homes

  •  Vacation homes or rental properties are not eligible.


  • You must show the financial ability and willingness to meet your loan obligations, which include paying property taxes, insurance, and keeping up with regular home maintenance and repairs.

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