COH offers program to help first-time home buyers

Ashley Inge

Community Outreach Housing’s rental assistance program was a huge success in Erath County, with the program distributing over $30,000 in rental relief from April to June for tenants affected economically by COVID-19.

With June being National Homeownership Month, COH has come up with an interactive curriculum designed to build the capacity of housing and create new, first-time home buyers in North Texas.

“There are no income limits on the new program, which means anyone can qualify, as long as you have never purchased a home in the past, and you meet the qualification guidelines of each lender,” said Tami Gardner, executive director of COH.

The COH interactive program is an educational curriculum designed to educate families on the qualification process, help them understand the lingo to get through the process successfully and teach them how to clean up their credit scores.

“Most lenders want folks to have at least a 640 and COH can help you get there,” Gardner said.

The program covers issues like debt ratio and explains why lenders charge for private mortgage insurance.

Community Outreach Housing will also help individuals with contracts and explain option periods.

“Many families are heart broken when they fall in love with a property and cannot qualify to purchase,” Gardner said. “COH wants to avoid this heart break, and make dreams come true by preparing families for the full qualification process before they find a home.”

Gardner said COH is currently working with lenders, realtors, banks, title and mortgage companies in Stephenville to help make buying a first home a positive learning experience for individuals.

The start-to-finish process can take up to 18 months, or as fast as 30 days depending on what families need to do to qualify.

“There is no better time to start this process and be in a new home that you own and start building equity in than now,” Gardner said. “The program is at no charge to first-time home buyers.”

For more information, call Community Outreach Housing at 214 762-9910, visit or send an email to

“Let us help you be in your first new home very soon, and stop renting,” Gardner added.