How CAN I OWN?

1. Start With Pre-Qualification

Fill out the Pre-Qualification Survey for the neighborhood you're interested in.

If you meet the initial requirements:

You’ll be connected directly to Impact Development Fund (IDF) for the formal application, and
You’ll be introduced to the Rural Homes Sales Team for tours and guidance.

2. Connect With the Sales Team

Our sales team is here to help you from day one.
You can schedule a tour, ask questions, or get help understanding income limits, pricing, or community requirements.

Contact the Sales Team

3. Get Pre-Approved

Next, you’ll obtain a mortgage pre-approval from a lender.
This will help determine:

Your purchase price range
Your estimated monthly payment
Whether you qualify for programs like DOORS+ or local DPAs

We recommend lenders who specialize in deed-restricted and affordable housing.

4. Choose Your Home

Explore the communities you qualify for and select the home that best fits your needs.
Each community includes:

Floorplans
Pricing
AMI requirements
Site maps
Availability

View Available Communities

5. Complete the Formal Application (via IDF)

IDF will work with you to gather and verify:

Income + employment documentation
Your pre-approval letter
Program forms
Photo ID

Once approved, you’re ready for contract.

6. Go Under Contract

You’ll sign:

Your purchase contract
Any community-specific deed restriction or program documents

Your home is now officially reserved.

7. Construction Updates (If Applicable)

If your home is still under construction, you’ll receive regular updates at each major stage:

Foundation
Framing
Mechanical systems
Drywall
Finishes
Final punch-list

We keep you informed from start to finish.

8. Prepare for Closing

About 30 days before closing, you will:

Complete final loan approval
Lock your interest rate
Finish any required homeowner education
Schedule your final walkthrough

We’ll also review occupancy, resale, and deed-restriction guidelines.

9. Closing Day

You’ll sign final loan and program documents.
Once recorded… you’re a homeowner!

Welcome to your new Rural Homes community!

Explore Current Communities

Waterview Homes – Ouray, CO

Experience attainable homeownership in one of Colorado’s most breathtaking mountain towns. Waterview Homes offers deed-restricted residences designed for local workers, families, and community members earning within the qualifying AMI range.
Includes: income-based pricing, primary-residence requirement, and long-term affordability protections.

Salt Flats – Grand Junction, CO

Located in the heart of the Western Slope, Salt Flats provides modern, energy-efficient homes for buyers who want affordability without sacrificing quality or location. With a range of floorplans and AMI-based purchase pricing, this neighborhood supports local workers, first-time buyers, and families looking for stability and opportunity.
Includes: income-qualified pricing, homebuyer education requirement, and down-payment assistance options.