Question 1

Can I use a community mortgage for a Parlier duplex?

Accepted Answer

Yes, if you occupy one unit and the property sits in an eligible census tract. Rental income from the second unit can help you qualify.

Question 2

Do seasonal gaps in my employment disqualify me?

Accepted Answer

No. Community mortgages specifically accommodate agricultural work patterns. We document stability across harvest cycles rather than continuous monthly income.

Question 3

How long does homebuyer education take to complete?

Accepted Answer

Most approved courses require 6-8 hours online or in-person. You can complete them before starting your home search to streamline closing timelines.

Question 4

Can I combine a community mortgage with down payment assistance?

Accepted Answer

Yes. Many community programs layer with county and state grants. We identify all available assistance and structure the optimal combination for your situation.

Question 5

What makes Parlier properties eligible versus ineligible?

Accepted Answer

Census tract designation drives eligibility. Properties in qualified community development zones receive priority, regardless of condition or price.

Community Mortgages in Parlier: Flexible Programs for Local Buyers