I’m a builder looking to purchase a lot and build a custom or speculative home. Are there any unusual restrictions that apply?

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I’m a potential home buyer….where to I start?

NHR does not offer homes for sale. We have sold or are selling lots to homebuilders or to future home owners who have a builder ready to build their house for them. Some of the builders may be building a house they intend to sell, but it is not “pre-sold” and would be available (“spec” or speculative homes). To see builders that have bought lots in the Hub Hall Heights 11th, 12th and 13th Additions go to the DEVELOPMENT tab and the contact information for the builder is noted on the lot-by-lot drop downs when you open the “Check Out the Lots” page.  Many homebuilders use a Realtor® to work with the homebuyer and lenders will also pre-qualify you for a mortgage. We also encourage you educate yourself about the home buying process and homeownership and have links to resources on the HOME BUYER page.  We’re here to help, so call or contact us.

If you are not quite ready to build or buy, but think you will be within the next year, please send an e-mail and we will keep in contact.

Are there income and purchase price limits for the Homeownership Opportunity Program?

Yes. To be eligible, total gross household income by family size must be at or below 120% of Lancaster County’s Area Median Income as periodically determined and published by the U.S. Department of Housing and Urban Development. The gross income of all persons 18 years or older expected to live in the home must be less than established program income limits. Currently, for a 2-person household the amount is $77,280; for a 4-person household the amount is $96,480. The home to be purchased must be sold for $275,000 or less, including the lot price.


See NHR’s Homeownership Opportunity Program guidelines for more information.


Who is a first-time homebuyer? Are there exceptions?

A first-time homebuyer is someone that has not owned the home they lived in within the past 3 years. Certain exceptions apply if their previous home was lost by divorce, forced job relocation or natural disaster.

Does the financial assistance offered through NHR’s Homeownership Opportunity Program need to be repaid?

Yes, but only when the first homeowner/purchaser sells or no longer uses the home as their principal residence. The second mortgage loan does not have an interest rate (0%)  and requires no monthly or other payments, but is due in-full upon sale or transfer of the home or if it is no longer used as the buyer’s principal residence. The house cannot be converted to a rental property unless NHR’s loan is paid in-full.


Any Unanswered Questions?