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First Time Home Buyers

First-Time Home Buyers - Do You Qualify?

  • A first-time homebuyer is someone who buys a home residence for the first time.
  • Many first-time homebuyers qualify for financial help when making a first-time home purchase through various government-sponsored programs.
  • Certain lenders also provide first-time homebuyers with certain benefits and special loans.

The U.S. Department of Housing and Urban Development (HUD) expands this definition even further. According to HUD, a first-time homebuyer is:

  • Someone who hasn't owned a principal residence for the three-year period ending on the date of purchase of the new home.
  • An individual who has never owned a principal residence, even if their spouse was a homeowner.
  • Anyone who is a single parent who owned a home with their ex-spouse.
  • A displaced homemaker who only owned property with their spouse.

Carolina Housing and Community Development Corporation (CHCDC), in partnership with the Housing and Development Corporation of Rock Hill (HDCRH), refers our Residents & others interested in our Community to these homeownership education classes. Please click here for more information.

First-Time Home Buyers Pre-Screening Application (Coming Soon)

CHCDC is an approved HUD Home Purchaser.