The Believe

BELIEVE homeownership is within your reach!

Start your homeownership journey with us.

About the Program

Eligible Homes

Are located in Cuyahoga, Lorain, Lake, Mahoning, Medina and Summit counties in Ohio, and in Wayne County, Michigan.

Eligible Buyers

No Income Restrictions

  • Can be considered even with lower credit scores. Make sure you know your credit score before inquiring!
  • Can pay a down payment as low as 3% of the purchase price. Down payment assistance programs are available through CHN Housing Capital. Visit for more information.
  • Are not required to pay monthly private mortgage insurance (PMI).
  • Are not required to be first-time homebuyers.
  • Must complete homebuyer classes prior to closing. Sign up for CHN's free homebuyer classes at
  • Can take advantage of a second mortgage home repair loan when combined with the Believe Mortgage.
  • 100% financing may be available through Believe100 home purchase loan!