United Neighbors, Inc. Dream Home Buyers Program
Home Buyer Education Classes
Home ownership classes our requirement of our Downpayment Assistance program.
Classes are held on most Mondays at 7 p.m., Persons must attend five classes or two consecutive Saturday classes, which are held every 6 weeks. All classes must be completed. before you can receive Dream downpayment assistance. There are no exceptions.
Click here for 2007 Dream Brochure
The Homebuyer education program is designed to support and educate first time homebuyer's about the process and responsibilities involved in pursuing, purchasing, and owning a home.
Dream Home Buyers Downpayment
More than 1,900 individuals and families have purchased a home through our DREAM Home buyers Program. Participants in DREAM typically receive $1000 toward their down payment.
New Policy Beginning January 2,2007
UNITED NEIGHBORS, INC. will now provide varying levels of down payment assistance. Participants will receive between $500 and $1500 for down payment and closing costs. The amount of assistance will now be based on the household’s total income defined within the federal HUD-CDBG low /’mod categories. Assistance will be provided as follows:
Income guidelines
|
$1,500 |
$1,000 |
$500 |
Income |
30% |
50% |
80% |
1 Person |
$12,650 |
$21,050, |
$33,650 |
2 Persons |
$14,450 |
$24,050 |
$38,500 |
3 Persons |
$16,250 |
$27,050 |
$43,300 |
4 Persons |
$18,050 |
$30,050 |
$48,100 |
5 Persons |
$19,500 |
$32,450 |
$51,950 |
6 Persons |
$20,950 |
$34,850 |
$55,800 |
7 Persons |
$22,400 |
$37,250 |
$59,650 |
8 Persons |
$23,850 |
$39,650 |
$63,500 |
Extremely low-income $1,500.00 DREAM assistance
Low-Income $1,000.00 DREAM assistance
Moderate-income $ 500.00 DREAM assistance
 Inspections
$100.00 fee included in closing costs, can be performed by United Neighbors, or other qualified agency Lead Paint Visual Risk Assessment and Clearance Test performed by a certified inspector (no cost)
DREAM participants have two options:
Once the Dream Inspection is done participants have two options
- Track One will provide basic downpayment assistance.
- Track Two will provide downpayment, repairs and specialized cleaning
 Track Two - Lead-Based Paint Related Repairs
As funding allows,DREAM buyers may opt for repairs that are aimed at reducing lead-paint poisoning hazards in the home. Specialized inspections, cleaning and clearance testing assure that the home passes federal standards. Our crew is the most experienced in the area. This effort is in partnership with John Lewis Community Services and Interfaith Housing. Depending on the house and the assessment of our program inspector, these can be minor repairs, or may be substantial -- such as window replacement.
Track Two participants must allow extra time for this work to be done and must agree to a five-year
forgivable loan for the cost of the work. For more information call 563-322-7363
 Renovation & Wheelchair Ramps
Ramps, other improvements provide accessibility
United Neighbors' Wheelchair Ramps and Accessibility program has nearly doubled in size this year, due to an increase in Davenport CDBG funding. We expect to provide ramps, railings, grab bars, showers and other items that improve mobility for over 30 persons with disabilities.
On a limited basis, the program has been installing wheelchair accessible showers for qualified persons. Requirements are that one must live in Davenport, be of low to moderate-income, and the project must be feasible with regard to space and funds available. Call 322-7363 to learn more.
Housing Counseling
Since 2001, United Neighbors has been a HUD-approved Housing Counseling Agency. We assist homeowners
who are facing possible foreclosure by providing information and guidance as to the options that are
available.For more information click here .
We also assist homeowners 62 years old and older who may benefit from a reverse mortgage - a Home
Equity Conversion Mortgage. This allows homeowners to tap into the equity in their homes, in order
to provide a lifetime monthly income. |
