Eligibility for Home Buying Program

Affordable Homes Westmoreland, includes a group of non-profit agencies and community developers working along with the Westmoreland County Department of Planning and Development.

Westmoreland Community Action is the central non-profit agency building and selling new homes in revitalized communities in Westmoreland County.

If you are a first time home buyer, or have not owned a home in the last three years, or are a displaced homemaker (and your income qualifies), you may be eligible.

Don't Count Yourself Out

In our experience, more people qualify than think they do.  Homebuyers with incomes of at least $30,000 may qualify for a mortgage to purchase one of the homes in the revitalized communities. So don't count yourself out before taking that first step.  Contact Northwood Realty today! When it's determined you may qualify, Westmoreland Community Action will send you an application. To complete the application, you will need to provide bank statements and verification of all household income. 

Strapped for Cash?  

Help with down payment and closing costs is available for first-time homebuyers.

80% of Area Median Income

The following chart gives you an idea of where your income needs to be with the number of people in your household.

We use Area Median Income (AMI) as our measurement tool. AMI is defined by the federal Department of Housing and Urban Development. Households that earn up to 80% of AMI may qualify for a mortgage and can therefore participate in first-time homebuyer programs.

Effective: 5/17/2010

First, Find Out if You Qualify

Your first step is to contact Vicki Pilato at Northwood Realty who will determine if you qualify. If you're working with a realtor, you can also ask your realtor to contact Vicki.
 

Jeannette or Monessen
Vicki Pilato
Northwood Realty
724-838-9644 Ext 161
vpilato@northwood.com   

If it is determined that you qualify, Westmoreland Community Action will send you an application.  For the application you will need to provide bank statements and verification of all household income.

For mortgage repayment ability, homebuyers should have a household income between $30,000 and $56,000, depending on the number of people residing in the home, so don't hesitate to call.

Second, Take Advantage of our Homebuyer's Program.

Westmoreland Community Action's Homebuyer Resource Center guides you through process of buying a home. 
 
Graduates of this one-session program who meet income and eligibility requirements can purchase a newly built home in a revitalized Westmoreland County neighborhood.
 
Visit Westmoreland Community Action's Housing programs page or call 724-552-0492 to learn more.

Housing Counseling is FREE!

Interested in buying a house but not sure if you're financially prepared?

Talk with one of our Westmoreland Community Action housing counselors about the home buying process, how to improve your credit score, and budgeting for home expenses and a regular mortgage payment. In some cases, it only takes a few months to turn around your credit rating and become eligible for homeownership.

Visit Westmoreland Community Action's Housing programs page or
call 724-552-0492 to learn more.

How Much Help is Available?

Home buying is about more than finding a good mortgage.  From Homebuyer Classes to Credit Enhancement workshops, help is available to prepare you for home ownership and give you the confidence to keep that home throughout the years.

Take advantage of the Classes & Events designed to help you understand the home buying process and become financially prepared.

Learn about transitional housing and housing programs sponsored by Westmoreland Community Action.

Start by contacting Vicki Pilato at Northwood Realty to begin the application process.

Visit our Can I Afford a Home page for more information.

Service Area

We are dedicated to helping you find affordable homes for sale in Westmoreland County, including but not limited to the cities of Derry, Jeannette, Latrobe, and  Monessen.

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