Am I Eligible?

To qualify for a SoftSecond Loan you must:

• Be a first-time homebuyer. This means you have not owned home in the three years prior to applying for the SoftSecond Loan Program. Some exceptions apply.
• Have completed a first-time homeownership education workshop. For a listing of SoftSecond-approved workshops, click here.
• Meet SoftSecond's income guidelines in the community you are looking to purchase in. Click here to find your community's median income limit.
• Have less than $75,000 in total household liquid assets (excluding retirement accounts such as 401K, 403b, 457 and IRA accounts).
• Agree to use the property you purchase through the SoftSecond Loan Program as your primary residence throughout the term of your loan.

If you think you are eligible for SoftSecond, contact a participating lender. Click here for a list of SoftSecond lenders.