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Q. What does my credit score need to be?
 
A. SHRA programs do not have a credit score requirement. However in order to use our programs, you must meet the credit score and any other credit requirements of the first mortgage lender.
 
Q. Can I combine SHRA assistance programs?
 
A. Yes - SHRA allows programs to be layered to benefit the homebuyer. Please refer to our Program Layering Policy which shows how our programs can be layered together.
 
Q. What income does SHRA use?
 
A. SHRA down payment assistance programs use household income. This is all income of all household members 18 years and older. Agency income calculation may be different than that of the mortgage loan underwriter.