Get Your Journey Started

Owning a home in Central Oregon may feel out of reach, but it doesn’t have to be. RootedHomes is here to guide you every step of the way with clear support, trusted partners, and opportunities designed for the people who live and work in our community. Whether you are just beginning to explore or ready to take the next step, your path to homeownership starts here.

View available homes


Explore homes that are available now or coming soon in our communities. Each home is thoughtfully designed to be high quality, energy efficient, and permanently affordable so you can build stability for the long term.

Attend an info session


Start with a clear understanding of the process. In these sessions, you’ll learn how RootedHomes works, what to expect at each stage, and how to move forward with confidence.

Speak with a lender


Connect with lenders who understand our program and are experienced in working with first-time homebuyers. They will help you understand your budget, explore financing options, and take the steps needed to become mortgage-ready.

Available Communities

8 Homes Available

18 Homes Available

Start Your Housing Journey

Complete the Short Interest Form! This quick form helps us understand your household and determine your potential eligibility, while ensuring you receive updates about new communities and application openings. It is not a full application or commitment, just a way to stay informed and prepared. When homes become available, you will be invited to take the next step and apply.

1

Review Basic Qualifications

RootedHomes serves households earning between 60% and 120% of Area Median Income (AMI), depending on the community.

To qualify, you will need to:

  • Be a first-time homebuyer

  • Not own other real estate in the last 3 years

  • Show 1 year of consistent income (2 years if self-employed)

  • Be pre-qualified for a traditional mortgage

  • Meet credit and criminal record policy requirements

Get Mortgage Ready

2

This is one of the most important steps, and starting early makes a big difference. A lender will help you understand what you can afford and how to prepare financially.

To apply, you will need:

  • A pre-approval letter for the home price

  • Proof of at least 1% of the purchase price for earnest money

  • A minimum credit score of 620

  • No bankruptcy in the past 4 years

  • No foreclosure in the past 5 years

Your lender will walk you through estimated costs and next steps so you feel confident moving forward.

Attend an Info Session

3

Before applying, all applicants must attend an information session to understand the program, timeline, and expectations.

Selected homebuyers will also complete homeownership education through NeighborImpact before moving into their home.

Apply During Open Application

4

When homes become available, you will:

  • Submit a full application during the posted window

  • Upload your pre-approval letter for the purchase price of the home

  • Provide proof of savings - 1% of the purchase price for earnest money

  • Confirm attendance at an information session

Once submitted, qualified applicants will be entered into the selection process.

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A woman and four girls standing on a wooden bridge outdoors during fall, with trees with orange and yellow leaves in the background.

Our homeowners are at the heart of everything we do. Their stories show what’s possible when homeownership is designed to be accessible, sustainable, and rooted in community.

“If I could buy my home again, I would choose RootedHomes every time.”
— Homeowner

Homeowner Testimonials

Recommended Lenders

Matt Martino

Columbia Bank
541-312-4853
MattMartino@columbiabank.com

A man with brown hair smiling, wearing a blue checkered shirt, indoors with a wooden background.

Joseph Portillo

Se habla español

Washington Trust Bank
503-778-7067
JPortillo@watrust.com

Headshot of a smiling man with a beard, wearing a gray suit jacket and a white shirt with a checkered pattern, against a white background.

Malia Sprague

Se habla español

Columbia Bank
541-434-3028
MaliaSprague@columbiabank.com

A woman with long, wavy brown hair and a bright smile, wearing a black top, standing outdoors in front of a blurred background of glass and greenery.

Katie Fox

CrossCountry Mortgage, LLC
541-735-9869
katie.fox@ccm.com

A woman with long brown hair styled in loose waves, smiling with white teeth, wearing a grey sweater, a silver necklace, and a nose piercing, against a white background.

Aide Gonzalez

Se habla español

Sunflower Bank
541-610-7341
Aide.Gonzalez@sunflowerbank.com

Rolando Velazquez

Se habla español

Oregon Amplify

541-345-7106, ext. 2035
rolando@communitylendingworks.org

Community Resources

Logo for Housing Works featuring a stylized house with a brown door and the words 'Housing Works' below

Housing Works of Central Oregon
Services: Affordable rentals and rental assistance.

Logo for 'The Father's Group' with the slogan 'Let's Grow Together' and the words 'Learn, Work, Create, Grow' beneath.

The Fathers Group Services: The Father’s Group works to enhance the lives of the Black community through youth education, leadership, economic empowerment and community advocacy, while strengthening our community, eliminating barriers, and helping them reach their full potential.


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Logo with the words "worksource OREGON" in blue text.

WorkSource
Services: Job training, Employment referrals and support services.
Full list of services

Logo of Latino Community Association featuring a stylized sun with red and orange rays and the text 'Latino Community Association' below.

Latino Community Association (LCA)
Services: Our mission is to empower Latino families to thrive, creating opportunities for advancement and building bridges that unite and strengthen us all. We envision a cohesive and diverse community where all people are valued and empowered to participate and contribute to the health and prosperity of Central Oregon.

Logo of NeighboImpact featuring a black text and a yellow flower-like graphic.

NeighborImpact
Services: Homeownership counseling and classes.