Steps to Home Ownership


  • Review the income levels to ensure you are below the Total Household Income Guidelines.
  • Contact a bank, mortgage broker, or financial institution and provide them with the information they require to pre-approve you for the primary mortgage.  
  • Contact Housing Services at 1-352-689-4400 to obtain an application.
  • Once the application is complete, you must schedule an appointment with Housing Services to begin the process of approval.
  • Housing Services will issue an approval letter.
  • Applicants will be given a list of homeownership counseling agencies and will be required to provide a Certification of Completion, before closing, to confirm homeownership counseling was completed.
  • Sign contract and order appraisal.
  • Lenders will be required to provide Housing Services with documents necessary to request a check for closing such as survey, appraisal, closing disclosure, contract, title commitment, proof of insurance etc.
  • Closing.

The primary lender will schedule the closing and notify Housing Services of the date and time.  Housing staff will prepare a closing packet and submit it to the closing agent for review prior to the closing.  The prospective homebuyer(s) will sign the SHIP documents at closing.  The closing agent will be responsible for recording the original SHIP mortgage and returning all documents to the Housing office after closing.