home ownership
Bringing vitality, dignity and pride back to the residents of this area. home ownership
We build homes and host workshops to provide prospective home buyers with tools needed to prepare them for home ownership.
Site Content
Program Goal
Our goal is to create safe, high quality housing that is affordable and serves the people in the community, rather than displaces them.
Cross Community, Inc.
Cross Community, Inc. is a Community Development Corporation.
Cross Community Purpose
Cross Community was created to develop initiatives specifically designed to support the City of South Bend's West Side Main Streets revitalization plan for west side neighborhoods.
Target Customers
People in the community who have had little chance to participate in home ownership.
Those who have been historically excluded from the opportunity to acquire property and create wealth.
People who currently live and worship in the community and want the opportunity to improve their lives and the lives of their families.
Individuals willing to create change in their lives and do the work necessary to make those changes happen.
Home Ownership Education
Three 4-week virtual classroom sessions and individual coaching lasting an entire year will be provided free of charge to prospective residents of Kingdom Campus.
Course Outcomes
Create your own complete home ownership plan
Know common misconceptions regarding home ownership
Knowing how to qualify for a home mortgage
Knowing the cost associated with the home buying process
Snapshot of their credit and credit scores
Receive home buying resource guide
How does this work
Through the program, people would only have to pay for the appraised value of a home. Selected lenders have pledged to provide people who qualify with a loan that covers virtually 97%-100% of the home's appraised value. The difference between the home's appraised value and the constructions cost will be paid by Cross Community. (The difference is made up from the CDC, local, state and federal grant contributions)
