Owning your own home is part of the American Dream. But in small towns and rural areas, financing a home can be difficult at times. Jobs often pay less than in more populated areas, and a large proportion of people are self-employed, making it harder for them to obtain credit. Also, rural lenders generally require a large down payment, and, often, interest rates and construction cost are higher than in urban areas.

However, if you’re open and interested in other opportunities of owning a home that could be just up the road in a rural area and a bit of smaller neighborhood, Better Future Community Development Corporation may be able to help make that dream become a reality.

Better Future is helping rural Americans become homeowners. We consistently work at helping our clients get loan programs that offer home loans to lower income individuals who are unable to obtain credit elsewhere, with interest rates as low as 1 percent-and at most times no down payment.

Our services even extend into assisting with low to moderate credit, money management, down payment assistance where needed and more.

If you want to buy an affordable house in a rural area, Better Future wants to help. We can tell you about the various programs available and assist you in applying for them.

Services
*Credit Counseling
*Credit Evaluation
* New Home Buyer Training
* Budget Development
* Loan Process Management
* Student Loan Consolidation Assistance

The Application Process:
1. Fill out the form below.
2. Healthy Transitions counselor will contact you to arrange a meeting.
3. Gather needed paperwork for meeting.
Bring following items (if applicable)
*Copy of your driver’s license
*Copy of your Social Security card
*Copy of two most recent bank statements – all accounts
*Most recent pay stubs showing 30 days of work
*Current Social Security award letter
*Current proof of child support (12 month court printout history)*Divorce decree
*Bankruptcy discharge paper with all schedules
*Last two years of Federal Income Tax returns
*Last two years of W-2’s
*$25 Money order per applicant for credit report
(It is not necessary to have all these items to apply. However, you are urged to gather as much as you can.)

BFCDC Application
click here to fill out application