{"id":26038,"date":"2026-07-14T12:11:19","date_gmt":"2026-07-14T12:11:19","guid":{"rendered":"https:\/\/settlerscrossingny.com\/?page_id=26038"},"modified":"2026-07-28T09:57:04","modified_gmt":"2026-07-28T09:57:04","slug":"qualifications","status":"publish","type":"page","link":"https:\/\/settlerscrossingny.com\/?page_id=26038","title":{"rendered":"Buyer Qualifications"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"26038\" class=\"elementor elementor-26038\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e0e2e26 elementor-section-full_width elementor-section-height-min-height elementor-section-height-default elementor-section-items-middle sc_fly_static\" data-id=\"e0e2e26\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div data-animation-type=\"block\" class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-84a9bd8 sc_content_align_inherit sc_layouts_column_icons_position_left animation_type_block sc_fly_static elementor-invisible\" data-id=\"84a9bd8\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b572c2d sc_fly_static elementor-widget elementor-widget-heading\" data-id=\"b572c2d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Homebuyer <br> Qualification <br>\nGuide<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7964a5f sc_fly_static elementor-widget elementor-widget-text-editor\" data-id=\"7964a5f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Thank you for your interest in Settlers\u2019 Crossing, a new affordable homeownership community in<br \/>the City of Amsterdam. Our homes are offered through the New York State Affordable<br \/>Homeownership Opportunity Program (AHOP) and are intended for qualified homebuyers who<br \/>meet program requirements.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d1ad6b elementor-widget__width-auto sc_fly_static elementor-widget elementor-widget-button\" data-id=\"1d1ad6b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/settlerscrossingny.com\/?page_id=25770\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Complete Interest Survey<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6440203 elementor-widget__width-auto sc_fly_static elementor-widget elementor-widget-button\" data-id=\"6440203\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#qualification\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">View Eligibility Details<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-092df38 hide_bg_image_on_tablet hide_bg_image_on_mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default sc_fly_static\" data-id=\"092df38\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div data-animation-type=\"block\" class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-77c2cc0 sc_content_align_inherit sc_layouts_column_icons_position_left animation_type_block sc_fly_static elementor-invisible\" data-id=\"77c2cc0\" data-element_type=\"column\" data-e-type=\"column\" id=\"qualification\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4a90ef8 sc_fly_static elementor-widget elementor-widget-heading\" data-id=\"4a90ef8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Buyer Qualifications<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9488a68 sc_fly_static elementor-widget elementor-widget-html\" data-id=\"9488a68\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<style>\n    \n     \n  .qualificationtable table {\n    width: 100%;\n    border-collapse: collapse;\n  }\n  .qualificationtable thead th {\n    background: #1c1c1c;\n    color: #ffffff;\n    text-align: left;\n    padding: 18px 24px;\n    font-size: 16px;\n    letter-spacing: 0.5px;\n    font-weight: 600;\n  }\n  .qualificationtable tbody tr:nth-child(odd) {\n    background: #fff0;\n    font-family: 'Syne';\n  }\n  .qualificationtable tbody tr:nth-child(even) {\n    background: #e9edf3;\n    font-family: 'Syne';\n  }\n  .qualificationtable tbody td {\n    padding: 20px 24px;\n    vertical-align: top;\n    font-size: 14.5px;\n    line-height: 1.5;\n    font-family: 'Syne';\n  }\n  .qualificationtable td.req {\n    color: #104571;\n    font-weight: 700;\n    width: 38%;\n    white-space: nowrap;\n    font-family: 'Syne';\n  }\n .qualificationtable  td.qual {\n    color: #4a4a4a;\n    font-family: 'Syne';\n  }\n<\/style>\n\n\n\n\n\n<div class=\"qualificationtable table-wrap\">\n  <table>\n    <thead>\n      <tr>\n        <th>Requirement<\/th>\n        <th>Qualification<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr>\n        <td class=\"req\">1. First-Time Homebuyer<\/td>\n        <td class=\"qual\">Must not have owned a home within the past three years (some exceptions may apply).<\/td>\n      <\/tr>\n      <tr>\n        <td class=\"req\">2. Income Eligibility<\/td>\n        <td class=\"qual\">Household income must be at or below 100% of Area Median Income (AMI). See income chart.<\/td>\n      <\/tr>\n      <tr>\n        <td class=\"req\">3. Homebuyer Education<\/td>\n        <td class=\"qual\">Complete HUD-approved homebuyer counseling through Better Community Neighborhoods, Inc. (BCNI).<\/td>\n      <\/tr>\n      <tr>\n        <td class=\"req\">4. Mortgage Qualification<\/td>\n        <td class=\"qual\">Must qualify for a mortgage with an approved lender.<\/td>\n      <\/tr>\n      <tr>\n        <td class=\"req\">5. Down Payment & Closing Costs<\/td>\n        <td class=\"qual\">Must demonstrate sufficient funds or qualify for available assistance programs.<\/td>\n      <\/tr>\n      <tr>\n        <td class=\"req\">6. Owner Occupancy<\/td>\n        <td class=\"qual\">Home must be used as your primary residence.<\/td>\n      <\/tr>\n      <tr>\n        <td class=\"req\">7. Documentation<\/td>\n        <td class=\"qual\">Verification of income, assets, employment, household size, and tax returns is required.<\/td>\n      <\/tr>\n      <tr>\n        <td class=\"req\">8. Final Approval<\/td>\n        <td class=\"qual\">Subject to HCR program eligibility review and financing approval.<\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3adba79 hide_bg_image_on_tablet hide_bg_image_on_mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default sc_fly_static\" data-id=\"3adba79\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div data-animation-type=\"block\" class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-8ff9d7e sc_content_align_inherit sc_layouts_column_icons_position_left animation_type_block sc_fly_static elementor-invisible\" data-id=\"8ff9d7e\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d5ae906 sc_fly_static elementor-widget elementor-widget-image\" data-id=\"d5ae906\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"307\" height=\"507\" src=\"https:\/\/settlerscrossingny.com\/wp-content\/uploads\/2026\/07\/Rectangle-1.png\" class=\"attachment-large size-large wp-image-26058\" alt=\"\" srcset=\"https:\/\/settlerscrossingny.com\/wp-content\/uploads\/2026\/07\/Rectangle-1.png 307w, https:\/\/settlerscrossingny.com\/wp-content\/uploads\/2026\/07\/Rectangle-1-182x300.png 182w\" sizes=\"(max-width: 600px) 100vw, 307px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div data-animation-type=\"block\" class=\"elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-75fada0 sc_content_align_inherit sc_layouts_column_icons_position_left animation_type_block sc_fly_static elementor-invisible\" data-id=\"75fada0\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-44216f4 sc_fly_static elementor-widget elementor-widget-heading\" data-id=\"44216f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2026\u20132027 Household Income Limits<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2bc91f6 sc_fly_static elementor-widget elementor-widget-text-editor\" data-id=\"2bc91f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>MONTGOMERY COUNTY, NY (100% AMI)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-84c69ae sc_fly_static elementor-widget elementor-widget-html\" data-id=\"84c69ae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\n\n  .chart-wrap {\n    width: 100%;\n    max-width: 100%;\n    background: #fff0;\n    font-family: 'Syne';\n  }\n  .income-row {\n    display: flex;\n    justify-content: space-between;\n    align-items: center;\n    padding: 18px 4px;\n    border-bottom: 1px solid #4a90d9;\n    font-family: 'Syne';\n  }\n  .income-row:last-child {\n    border-bottom: 1px solid #4a90d9;\n    font-family: 'Syne';\n  }\n  .label {\n    color: #2b2b2b;\n    font-size: 15px;\n    font-family: 'Syne';\n  }\n  .value {\n    color: #3d7bc4;\n    font-size: 15px;\n    font-weight: 700;\n    font-family: 'Syne';\n  }\n<\/style>\n\n\n\n<div class=\"chart-wrap\">\n  <div class=\"income-row\"><span class=\"label\">1 Person<\/span><span class=\"value\">$66,850<\/span><\/div>\n  <div class=\"income-row\"><span class=\"label\">2 People<\/span><span class=\"value\">$76,400<\/span><\/div>\n  <div class=\"income-row\"><span class=\"label\">3 People<\/span><span class=\"value\">$85,950<\/span><\/div>\n  <div class=\"income-row\"><span class=\"label\">4 People<\/span><span class=\"value\">$95,500<\/span><\/div>\n  <div class=\"income-row\"><span class=\"label\">5 People<\/span><span class=\"value\">$103,150<\/span><\/div>\n  <div class=\"income-row\"><span class=\"label\">6 People<\/span><span class=\"value\">$110,800<\/span><\/div>\n  <div class=\"income-row\"><span class=\"label\">7 People<\/span><span class=\"value\">$118,450<\/span><\/div>\n  <div class=\"income-row\"><span class=\"label\">8+ People<\/span><span class=\"value\">$126,100<\/span><\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-503572c elementor-section-boxed elementor-section-height-default elementor-section-height-default sc_fly_static\" data-id=\"503572c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8a8b046 sc_content_align_inherit sc_layouts_column_icons_position_left sc_fly_static\" data-id=\"8a8b046\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-b81506a elementor-section-full_width elementor-section-height-default elementor-section-height-default sc_fly_static\" data-id=\"b81506a\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div data-animation-type=\"block\" class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-81de252 sc_content_align_inherit sc_layouts_column_icons_position_left animation_type_block sc_fly_static elementor-invisible\" data-id=\"81de252\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-572c470 elementor-widget-tablet__width-initial sc_fly_static elementor-widget elementor-widget-image\" data-id=\"572c470\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"35\" height=\"44\" src=\"https:\/\/settlerscrossingny.com\/wp-content\/uploads\/2026\/07\/Icon-1.png\" class=\"attachment-large size-large wp-image-26078\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-41c3ab4 sc_fly_static elementor-widget elementor-widget-heading\" data-id=\"41c3ab4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Documents You'll Need<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-303157e elementor-icon-list--layout-traditional elementor-list-item-link-full_width sc_fly_static elementor-widget elementor-widget-icon-list\" data-id=\"303157e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Government-issued photo ID<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Last two years of federal tax returns<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Recent pay stubs or proof of income<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Recent bank statements<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Employment verification<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Mortgage pre-approval (if available)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Completed BCNI counseling application<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div data-animation-type=\"block\" class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-8d31578 borderleftcss sc_content_align_inherit sc_layouts_column_icons_position_left animation_type_block sc_fly_static elementor-invisible\" data-id=\"8d31578\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6f35fc9 elementor-widget-tablet__width-initial sc_fly_static elementor-widget elementor-widget-image\" data-id=\"6f35fc9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"40\" height=\"44\" src=\"https:\/\/settlerscrossingny.com\/wp-content\/uploads\/2026\/07\/Icon-2.png\" class=\"attachment-large size-large wp-image-26084\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fd13b62 sc_fly_static elementor-widget elementor-widget-heading\" data-id=\"fd13b62\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Your Path to Homeownership<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b286201 elementor-icon-list--layout-traditional elementor-list-item-link-full_width sc_fly_static elementor-widget elementor-widget-icon-list\" data-id=\"b286201\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Complete the interest form www.SettlersCrossingNY.com<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Meet with BCNI for HUD-approved homebuyer  counseling<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Obtain mortgage qualification<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Select your home<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Complete final HCR eligibility review<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Mortgage pre-approval (if available)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Close on your new home<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-dbe0dbc elementor-section-boxed elementor-section-height-default elementor-section-height-default sc_fly_static\" data-id=\"dbe0dbc\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div data-animation-type=\"block\" class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7bf0d1d sc_content_align_inherit sc_layouts_column_icons_position_left animation_type_block sc_fly_static elementor-invisible\" data-id=\"7bf0d1d\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-042a5f7 sc_fly_static elementor-widget elementor-widget-heading\" data-id=\"042a5f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Building Roots Where Journeys Began<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-6fe1ac1 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default sc_fly_static\" data-id=\"6fe1ac1\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-56cb6c5 sc_content_align_inherit sc_layouts_column_icons_position_left sc_fly_static\" data-id=\"56cb6c5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d303d8b sc_fly_static elementor-widget elementor-widget-image\" data-id=\"d303d8b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"410\" height=\"144\" src=\"https:\/\/settlerscrossingny.com\/wp-content\/uploads\/2026\/07\/Group-7-3.png\" class=\"attachment-large size-large wp-image-26102\" alt=\"\" srcset=\"https:\/\/settlerscrossingny.com\/wp-content\/uploads\/2026\/07\/Group-7-3.png 410w, https:\/\/settlerscrossingny.com\/wp-content\/uploads\/2026\/07\/Group-7-3-300x105.png 300w, https:\/\/settlerscrossingny.com\/wp-content\/uploads\/2026\/07\/Group-7-3-370x130.png 370w\" sizes=\"(max-width: 600px) 100vw, 410px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-b4e08ca borderleftcss sc_content_align_inherit sc_layouts_column_icons_position_left sc_fly_static\" data-id=\"b4e08ca\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4a3d318 elementor-icon-list--layout-traditional elementor-list-item-link-full_width sc_fly_static elementor-widget elementor-widget-icon-list\" data-id=\"4a3d318\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"43\" height=\"43\" viewBox=\"0 0 43 43\" fill=\"none\"><circle cx=\"21.5\" cy=\"21.5\" r=\"21.5\" fill=\"#67A5E2\"><\/circle><path d=\"M6 30V27.9C6 26.9444 6.48889 26.1667 7.46667 25.5667C8.44444 24.9667 9.73333 24.6667 11.3333 24.6667C11.6222 24.6667 11.9 24.6722 12.1667 24.6833C12.4333 24.6944 12.6889 24.7222 12.9333 24.7667C12.6222 25.2333 12.3889 25.7222 12.2333 26.2333C12.0778 26.7444 12 27.2778 12 27.8333V30H6ZM14 30V27.8333C14 27.1222 14.1944 26.4722 14.5833 25.8833C14.9722 25.2944 15.5222 24.7778 16.2333 24.3333C16.9444 23.8889 17.7944 23.5556 18.7833 23.3333C19.7722 23.1111 20.8444 23 22 23C23.1778 23 24.2611 23.1111 25.25 23.3333C26.2389 23.5556 27.0889 23.8889 27.8 24.3333C28.5111 24.7778 29.0556 25.2944 29.4333 25.8833C29.8111 26.4722 30 27.1222 30 27.8333V30H14ZM32 30V27.8333C32 27.2556 31.9278 26.7111 31.7833 26.2C31.6389 25.6889 31.4222 25.2111 31.1333 24.7667C31.3778 24.7222 31.6278 24.6944 31.8833 24.6833C32.1389 24.6722 32.4 24.6667 32.6667 24.6667C34.2667 24.6667 35.5556 24.9611 36.5333 25.55C37.5111 26.1389 38 26.9222 38 27.9V30H32ZM16.8333 27.3333H27.2C26.9778 26.8889 26.3611 26.5 25.35 26.1667C24.3389 25.8333 23.2222 25.6667 22 25.6667C20.7778 25.6667 19.6611 25.8333 18.65 26.1667C17.6389 26.5 17.0333 26.8889 16.8333 27.3333ZM11.3333 23.3333C10.6 23.3333 9.97222 23.0722 9.45 22.55C8.92778 22.0278 8.66667 21.4 8.66667 20.6667C8.66667 19.9111 8.92778 19.2778 9.45 18.7667C9.97222 18.2556 10.6 18 11.3333 18C12.0889 18 12.7222 18.2556 13.2333 18.7667C13.7444 19.2778 14 19.9111 14 20.6667C14 21.4 13.7444 22.0278 13.2333 22.55C12.7222 23.0722 12.0889 23.3333 11.3333 23.3333ZM32.6667 23.3333C31.9333 23.3333 31.3056 23.0722 30.7833 22.55C30.2611 22.0278 30 21.4 30 20.6667C30 19.9111 30.2611 19.2778 30.7833 18.7667C31.3056 18.2556 31.9333 18 32.6667 18C33.4222 18 34.0556 18.2556 34.5667 18.7667C35.0778 19.2778 35.3333 19.9111 35.3333 20.6667C35.3333 21.4 35.0778 22.0278 34.5667 22.55C34.0556 23.0722 33.4222 23.3333 32.6667 23.3333ZM22 22C20.8889 22 19.9444 21.6111 19.1667 20.8333C18.3889 20.0556 18 19.1111 18 18C18 16.8667 18.3889 15.9167 19.1667 15.15C19.9444 14.3833 20.8889 14 22 14C23.1333 14 24.0833 14.3833 24.85 15.15C25.6167 15.9167 26 16.8667 26 18C26 19.1111 25.6167 20.0556 24.85 20.8333C24.0833 21.6111 23.1333 22 22 22ZM22 19.3333C22.3778 19.3333 22.6944 19.2056 22.95 18.95C23.2056 18.6944 23.3333 18.3778 23.3333 18C23.3333 17.6222 23.2056 17.3056 22.95 17.05C22.6944 16.7944 22.3778 16.6667 22 16.6667C21.6222 16.6667 21.3056 16.7944 21.05 17.05C20.7944 17.3056 20.6667 17.6222 20.6667 18C20.6667 18.3778 20.7944 18.6944 21.05 18.95C21.3056 19.2056 21.6222 19.3333 22 19.3333Z\" fill=\"white\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Homebuyer counseling provided through Better Community Neighborhoods (BCNI)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"43\" height=\"43\" viewBox=\"0 0 43 43\" fill=\"none\"><circle cx=\"21.5\" cy=\"21.5\" r=\"21.5\" fill=\"#67A5E2\"><\/circle><path d=\"M13.75 31.3333H17.875V23.3333H26.125V31.3333H30.25V19.3333L22 13.3333L13.75 19.3333V31.3333ZM11 34V18L22 10L33 18V34H23.375V26H20.625V34H11Z\" fill=\"white\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Equal Housing Opportunity<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Homebuyer Qualification Guide Thank you for your interest in Settlers\u2019 Crossing, a new affordable homeownership community inthe City of Amsterdam. Our homes are offered through the New York State AffordableHomeownership&hellip;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-26038","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/settlerscrossingny.com\/index.php?rest_route=\/wp\/v2\/pages\/26038","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/settlerscrossingny.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/settlerscrossingny.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/settlerscrossingny.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/settlerscrossingny.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=26038"}],"version-history":[{"count":113,"href":"https:\/\/settlerscrossingny.com\/index.php?rest_route=\/wp\/v2\/pages\/26038\/revisions"}],"predecessor-version":[{"id":26199,"href":"https:\/\/settlerscrossingny.com\/index.php?rest_route=\/wp\/v2\/pages\/26038\/revisions\/26199"}],"wp:attachment":[{"href":"https:\/\/settlerscrossingny.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=26038"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}