HOME First Time Homebuyer Program

HOME First Time Homebuyer Program

Upper Explorerland RPC realizes first time homebuyers must make sacrifices to save enough for a down payment on a home, but for some it seems impossible to be able to find the funding to close on the desired property. With the award of the HOME funds, homebuyers may receive up to $24,999 in assistance for rehabilitation and down payment assistance. This program is an affordable way for homebuyers to realize their dream of homeownership. Assistance is in the form of a 5 or 10 year receding forgivable loan.

The HOME Program was created the National Affordable Housing Act of 1990 (NAHA).  The intent of the HOME program is to provide decent affordable housing to lower-income households, expand the capacity of nonprofit housing providers, strengthen the ability of state and local governments to provide housing, and leverage private-sector participation.

Each participating jurisdiction incurs a 25 percent matching obligation for HOME funds it expends.  Matching contribution must be:

  • A permanent contribution to affordable housing
  • From non-Federal sources
  • Provided by any of a broad array of public and private donors.


Homebuyers have to meet their affordability, depending on the amount of HOME funds they receive, but they also have to maintain their home as principal place of residency and have insurance on the property. Principal place of residency and insurance documentation must be submitted to Iowa Finance Authority (IFA) for proof of compliance during the affordability period. The home must meet Iowa's Minimum Housing Standards upon completion.


If you are interested and would like more information on if you qualify, we would like to hear from you! Applications can be picked up at the City Halls in each of the participating communities, printed from the documents below or by calling Upper Explorerland RPC, at 563-864-7551 ext. 117 or 101. TTY users call 1-800-735-2942. Relay call 7-1-1.


For more information, contact Lori Brockway.

Having Upper Explorerland come into my life was such a blessing!  At first I kept thinking this is too good to be true, but it's not!  I did have to get a loan and overcome a few obstacles, but it was all so worth it.  I got my house and then Upper Explorerland came in and fixed it all up!  It's like brand new.  I could have never done all this work myself financially.  With their help I have a beautiful home and a safe home for me and my son...........So I hope you keep the program going and help other single mothers achieve their dreams, or any family.  Believe me it's not too good to be true.  It's a wonderful program and it really does help people.

News Headlines

Make Plans to Attend the NE Iowa Family STEM Festival

Posted: Wed, April 8, 2015

Families throughout Northeast Iowa are invited to attend the Northeast Iowa Family STEM Festival on Thursday, April 30, from 4:00 – 7:00 p.m. at the Northeast Iowa Community College Wilder Business Center, 1625 Highway 150 South, Calmar, Iowa. The festival is free and open to the public.

Over 30 activities and organizations will be at this hands-on science, technology, engineering, and mathematics (STEM) festival created especially for 3rd-8th grade students and their families. Attendees can view the night sky from a star lab, fly a flight simulator, conduct amazing science experiments, and much more!

The goals of this festival are to increase students’ interests in STEM and to promote awareness and understanding of the importance of STEM-related educational and career opportunities.

The Northeast Iowa Family STEM Festival is a community-wide partnership led by Northeast Iowa Region Governor’s STEM Advisory Council at University of Northern Iowa, Northeast Iowa Business Network (in part, by the Iowa Economic Development Authority), Northeast Iowa Community College, Keystone AEA, Iowa State University Extension and Outreach, IowaWorks, and Upper Exploreland Regional Planning Commission.

The Northeast STEM Region, managed by Jeff Beneke, is one of six Iowa STEM Regions guided by the Governor’s STEM Advisory Council and dedicated to building a strong STEM education foundation for all Iowans. For more information about this STEM Region or the Iowa STEM Network, contact Jeff Beneke at 319-273-7397 or go to http://www.neiowastem.com.

For more information, watch this youtube video by clicking here.

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UERPC March Newsletter

Posted: Mon, March 16, 2015

Some of the headlines you can read about this month:

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UERPC February Newsletter

Posted: Wed, February 18, 2015

Some of the headlines you can read about this month:

  • UERPC to Host City Finance 101
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UERPC January Newsletter

Posted: Thu, January 22, 2015

Some of the headlines you can read about this month:

  • Iowa Finance Authority Awards money for Local Housing Trust Funds
  • Board Member Spotlight-Roger Arthur
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