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Homeownership Lending LLC
Homeownership Lending LLC
Amount
Varies
Deadline
Rolling
Odds
Not published
Effort
1 to 2 days
Can you get this?
✓Must be purchasing in affordable housing cooperative
✓Minimum credit score of 640 required
✓Minimum loan amount of $10,000
✓Co-op board or management must sign application
Your real odds
Rolling applications mean no competition window, but approval depends on your creditworthiness and co-op eligibility.
Loans can close in as little as 30 days, though the timeline varies by capacity, and the 640 minimum credit score plus co-op board sign-off are real gatekeepers.
What it takes
Contact lender to confirm eligibility1 to 2 days
Complete pre-approval process1 to 2 weeks
Submit application with board signature and documents1 to 2 weeks
Complete underwriting review and closing30 days
Worth knowing
The commitment letter is only valid for 90 days after approval, so have your co-op paperwork ready before you apply to avoid losing your window.
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