In order to guide you toward a home you can afford, it is necessary for Port Harbor to have some basic information for prequalification purposes. Prequalifying will allow you to determine the amount of loan and the monthly payment you are comfortable with. It will also allow us to show you homes that fit your budget. The information which will be needed includes the following:

1. Household gross income from all sources.

2. Monthly non-housing debt payments. Payments related to cars, credit cards, student loans, etc. are of the type that are considered.

3. A brief description of your credit history.

After receiving this information we can quickly suggest the lending program best suited for you.

You may qualify for a conventional loan from a local lender or you may be eligible for a *special financing program to help those with modest incomes build a home. Whichever it is, we'll point you in the right direction.

*Port Harbor Homes is your USDA/Rural Development new home expert.