The Welcome Home Mortgage Readiness Program provides education, file preparation, document review, and guideline-based readiness support. We are not a lender and do not issue loan approvals, commitments, or guarantees. After a member completes the analysis and vetting process and achieves readiness, their file may be placed with a licensed mortgage lender for final review. All lending decisions, approvals, and underwriting outcomes are made solely by licensed mortgage lenders.

Completion of the Welcome Home Mortgage Readiness Program does not guarantee loan approval or future credit results. All timelines and examples are representative only. Each borrower’s situation is unique and subject to documentation requirements, guideline changes, and lender discretion.