I am at least 18 years old. *

I agree

I am a U.S. citizen or legal permanent resident. *

I agree

I have no pending criminal cases and no disqualifying criminal history. *

I agree

I am not a registered sexual offender and do not have a sexual offender who is or will be living in my home. *

I agree

I am unmarried or married but not separated. (If married, your spouse must also apply jointly with you.) *

I agree

I have a 640+ credit score. *

I agree

I have 2 years of stable, documented income or employment history including Social Security or retirement. *

I agree

I have been employed at my current job for at least 12 months or any part-time job for at least 2 years. *

I agree

I (and co-applicant) have lived or worked in Escambia or Santa Rosa County for at least 1 year prior to applying. *

I agree

I can maintain an annual gross income within our income guidelines (see chart below) from initial intake to loan application. *

I agree

I have less than or equal to $1,000 of collections or bad debt and any unpaid collection accounts must be paid off in full with proof of payment prior to applying for a mortgage. *

I agree

I can demonstrate an ability to pay $3,500 towards closing costs. *

I agree

I have not had a bankruptcy discharged in the last 2 years; limit of 1. *

I agree

I have not had a foreclosure/ short sale finalized in the last 3 years; no multiple foreclosures or short sales. *

I agree

I do not currently own a livable home or have an existing mortgage balance. *

I agree

My total annual household income does not exceed the limit for my family size. *

I agree