Homeownership

Becoming a Homeowner

Becoming a homeowner can be overwhelming, especially for a first time homebuyer who often has a tight budget. Whether you’re looking at your first home as an investment or you never thought owning a home might be possible, GCRA provides affordable homes and low-interest financing options that help make this dream become reality.

The professional staff at GCRA guides you through every step of the process and provides you with information, in-house expertise and confidence through these important decisions.

• Become Qualified: The first step is to fill out an application. Click here to get a copy of the application in English or Spanish. Applicants who are not currently qualified due to credit issues or budgeting constraints can speak with a GCRA representative to learn about becoming qualified.
• Obtain Financing: GCRA works with many banks and financial institutions to find financing that meets your needs.
• Find Your Home: If you have a realtor that you are working with, GCRA will gladly work with him or her. If you do not have a realtor, your GCRA representative will help you through the home buying process. GCRA offers a variety of floor plans so we’re sure to have a home that’s right for you and your family.
• Become a Homeowner: Your GCRA representative will take you through the home buying process step-by-step and will communicate with lenders and attorneys, make sure documents are easy to understand and accompany you to your closing appointment. As a part of the program, homeowners are asked to attend a Homebuyer Education Program. There are several available programs to conveniently meet your schedule.

The GCRA Difference

GCRA’s communities are designed to promote a sense of community that all can enjoy. Homeowners find many benefits to being a member of a GCRA community and living in one of GCRA’s new homes. With certified energy efficient construction, homeowners should have lower utility bills. Because most of GCRA’s homes are brand new, homeowners often have lower maintenance costs in a new home than in previously owned homes.  Homeowners enjoy generously sized yards, which are especially great for families with children. GCRA’s long-standing partnerships with local utility companies allow for beautification and public works projects such as improving lighting, streets, sidewalks, drainage, sewers and parks, which maintain a safe and beautiful environment for all residents to enjoy. Many of the neighborhoods even have community centers offering activities and programs for senior adults and children.