The step by step qualification process to become a homeowner starts with a phone call to (904) 398-HOME or email us.

You will then be referred to a participating financial institution that has been approved for this process. The financial institution will review your financial information and help you access a mandatory eight hour credit counseling program that must be completed before you can purchase the house.

The mortgage approval process will give you an idea about how much house you can afford. Once you receive that figure, you can view existing houses on this website or contact developers listed as program participants.

To qualify for the NSP you must be a resident of Duval County and have an adjusted household income up to 120% of the area household median income. The NSP home must be your primary residence.

All participants in the NSP must complete an eight hour credit counseling program. Your financial advisor will direct you to approved NSP counseling programs. To purchase an NSP home, this program MUST be completed.

Some prospective homebuyers might require credit repair. Your financial advisor can start you on the road to improved credit so that you can qualify to purchase an NSP home.

You can purchase an NSP home for as little as $500 down and may be eligible to receive as much as $30,000 in down-payment assistance. You may also qualify for federal tax incentive programs. NSP Specialists can help determine what options are available.

Homes that are part of the NSP are listed on the website under the homes section. You can also work with developers participating in the NSP to identify a specific home in the targeted neighborhoods to see if the home qualifies for the program.