Path to Home Referral Program

Our Path to Home Referral Program is for Lenders and Real Estate Agents who are interested in having a resource to provide to their clients who don’t qualify for a home on the open market.

How it works

When you have a client that doesn’t qualify for a home on the open market, you can:

Provide them with information about Habitat’s homeownership program (pamphlet, flyer, or refer to buyhabitat.org)
Email a warm handoff to marissa.london@habitatskc.org

As our homeowners increase their wealth through home equity and personal savings, they will be better positioned to buy a home on the open market in the future, at which point, we would encourage them to reconnect with you.

Why it works

Applicants who are close to qualifying for an open-market home tend to be good candidates for Habitat homes. Habitat may be able to help your client when:

Their income is too low for an open market home. Habitat offers below-market home prices, below-market interest rates, & reduced property taxes.
They don’t have enough for a down payment. Habitat requires as low as 1% down payment (typically $4,000-$7,000).
They don’t have credit history. Habitat’s partner lenders offer loan products for buyers without credit history, and can use other payment history to qualify.
Their DTI is too high. Habitat’s Debt Barrier Removal Program may be able to pay off debt as needed to bring DTI low enough to qualify for a Habitat home.