Methodology
How this database verifies first responder homebuyer programs
Every published page uses official-source verification, normalized fields, and the same public quality rules so people can compare programs without guessing what changed behind the scenes.
Verification model
What gets captured on every verified page
We standardize the same questions on every page so statewide programs, specialty programs, and under-review signals are easier to compare.
Eligibility
Role fit, first-time buyer requirements, occupancy rules, and any explicit credit or income notes stay in a consistent structure.
Support structure
Grant, deferred second, forgivable second, below-market first mortgage, discount, and multi-option programs are normalized into comparable categories.
Repayment and proof
Every verified page keeps an official source URL, a recent verification date, and a short evidence excerpt so users can inspect the rule directly.
Guardrails
What this site does not do
The goal is decision support and source clarity, not loan origination.
Not a lender
This site does not quote rates, preapprove borrowers, or replace a housing agency or participating lender process.
No guessing
When official materials conflict, the signal moves to under-review instead of being published as if it were settled.
Public status
Public status pages
Coverage status, review queues, and methodology stay public because they explain what the site can and cannot confidently claim today.
Public watchlist
State coverage status, next review dates, and search visibility stay visible even before a state page is fully ready for indexing.
Source transparency
Official documents, under-review pages, and state notes help users judge certainty before paying for local and specialty research.