Solid Foundations

Pathway to Homeownership
Get ready to buy your first home on a solid financial foundation.
We provide:

FREE personal consultation
Personalized Plan of Action

Free Personalized Coaching to Help You Prepare for Homeownership

Personal Credit Review

Including specific factors a mortgage lender considers.

Affordability Estimates

Home price and monthly payment previews.

First-Time Buyer Resources

Grants and programs to help you afford your home.

Two-Session Format

May be adjusted to your goals.

Personalized Roadmap

Practical plan toward homeownership.

Apply with Confidence

Know what to expect.

What to Expect from Solid Foundations

Similar to Credit Check Plus, Solid Foundations begins with a discussion of your goals and a personal credit report review. We then dive deeper to focus on credit factors that are specific to applying for a home loan.

Your financial coach will also discuss income and debt considerations and other important pieces of the mortgage puzzle. Together, you’ll explore realistic price ranges, estimated monthly payments, and steps you can take for a stronger application.

You’ll also learn about local resources that may help make homeownership more affordable, including grant programs and housing partners who offer built or renovated homes at below‑market prices.

Sign Up Below!

Solid Foundations Request

Start your homeownership journey with Solid Foundations. Complete the form below to get started.

* Required Fields

First Name:

Last Name:

Address:

Address 2:

City:

State:

ZIP:

Phone Number:

Date of Birth:

/ /

Email Address:

Are you currently a member at HRCU?

Yes

Gross Monthly Income (Before Taxes):

Do you have any children? If so, how many?

How much do you want to spend when buying your home?

How much do you currently pay for housing/rent per month?

How much do you have saved for a home purchase?

Last 4 of SSN:

Have you had a Credit Check Plus session before?

Yes

I agree to a Credit Check (Initial Below):

Are you planning to apply for a home loan with another person?

Yes

If you answered YES above, please have that person complete the information below.

Joint Applicant Full Name:

Joint Applicant's Date of Birth:

/ /

Joint Applicant's Gross Monthly Income:

Last 4 of Joint Applicant's SSN:

Joint Applicant's agreement for a Credit Check (Initial Below):

Referred by:

Notes:

$15,000 assistance grant for eligible buyers

Home$tart Down Payment Assistance from FHLB

Holy Rosary Credit Union has partnered with our local Federal Home Loan Bank (FHLB) to offer the Home$tart down payment assistance program.

Members financing a home with Holy Rosary CU who meet eligibility criteria may be able to apply for $15,000 toward down payment and closing costs. Ask your financial coach if you might qualify.

You may be eligible for Home$tart if you:

Are approved for a mortgage with Holy Rosary CU
Have not owned a home in the last three years
Earn less than 80% of the median income for your area and household size
Complete an approved home buyer education course

How does it work?

Limited grant funds are available on a first-come, first-served basis each quarter (starting January 1, April 1, July 1, October 1).
If you qualify, Holy Rosary CU will apply for the grant on your behalf.
The $15,000 grant does not have to be repaid as long as you stay in the home for at least 5 years.

For more information, ask your Solid Foundations coach or contact us at financialeducation@holyrosarycu.org.

Find out if you Qualify

Affordable Home Partners

We partner with several local organizations that build or remodel energy-efficient, modern homes and sell them at below-market prices to help make homeownership more accessible. These partners include:

Truman Heritage Habitat for Humanity
Jerusalem Farm
Community Services League
Affordable Home Foundation

Your Solid Foundations coach can help connect you to any homes coming available in your preferred location that may fit your family’s needs.

Coaching sessions provide education and guidance, not legal or tax advice. Mortgage affordability estimates are based on given assumptions and provided for educational purposes only. Many factors affecting these estimates are subject to change, including tax and insurance costs, mortgage rates, and others that should be confirmed at the time of application and may significantly change available loan terms and payment. Mortgage approval is subject to underwriting guidelines and is not guaranteed.