Find a Home
Homes for the
Missing Middle
Jubilee’s mission is to provide attainable housing opportunities for the Missing Middle, a household whose total income is above the poverty level but below the level that would allow them to grow their wealth through homeownership. For Ottawa County residents, that’s an Area Median Income (AMI) between 80% and 120%.
Do I Qualify? May 2023 Ottawa County AMI Chart
You can use our AMI Chart to calculate whether your household income per person qualifies you for a Jubilee home. If you make below 80% AMI, you may qualify for housing assistance through our housing partner Lakeshore Habitat for Humanity.
Learn more about AMI and the Missing Middle in our blog post.
Pricing
We calculate the final home price based on the expected household income, taking your total gross income from the previous year (verified through your tax return). Once we verify your income, we calculate our contribution based on your needs so that none of our buyers spend more than 30% of their income on housing (in order to continue building new homes, we do have a minimum purchase price in place).
The final cost to you is the home’s appraised value minus our gifted equity. This is the amount you’ll need to be approved for a loan. Use our mortgage calculator to determine how much you can afford.
Learn more about how our program works and see example pricing in our blog.
Affordability Calculator
The default values below are for our Vista Green townhomes. Enter your total household income in the first field and down payment to calculate your affordability and estimated mortgage for a Vista Green home. You may also modify the interest rate field.
Our Homeowner Stories
Park Vista Home Buyer Story – Becca Barth
“After renting a one-bedroom apartment in Holland for over six years, I wanted a home in which I could build equity, put down real roots, and prepare for the future. As a single-income young professional, the housing market in Holland completely barred me from my dream of owning a home.
Park Vista Home Buyer Story – Blok Family
“Holland has always been our place. Although we both grew up elsewhere, we met and started dating at Hope, got engaged at Centennial Park, and got married at Pillar Church. This is why, after a year of living overseas, the decision to move back to Holland was an easy choice.
Park Vista Home Buyer Story – The Olmos Family
“After a quick and unexpected move to Holland, we found our family of 5 in a temporary apartment. We settled ourselves in the area, and then began to look for a more permanent home. The housing market was very difficult for us to break into, so we decided to wait.
Park Vista Home Buyer Story – Logan Housenga
“I was born and raised in the Holland/Zeeland area, and I absolutely love West Michigan. After college, I began my working career while continuing to live at home with my parents. I had not been looking forward to the process of purchasing a home due to the current housing market
Current Project: Vista Green
3 Bedroom Townhome
- 1580 sq ft
- 3 bedrooms
- 2.5 bathrooms
2 Bedroom Townhome
- 1216 sq ft
- 2 bedrooms
- 1.5 bathrooms
How to Buy
1. Check Your Qualifications
Use the AMI chart above to see if you qualify for a Jubilee home.
2. Fill Out Our Interest Form
Complete our homeowner interest form.
3. Schedule a Tour
We’ll get in touch to schedule a tour of the available properties.
4. Submit Documents
Let us know you’re officially ready to move forward and send us your W3 and tax records to verify income requirements.
5. Review Estimated Loan Amount
We’ll use these documents to calculate the home price for your specific circumstances.
6. Get Pre Approved
You can work with any bank you choose to get pre approved for the amount you’ll be paying (the appraised value – Jubilee’s gifted equity).
7. Purchase Agreement
We’ll work with you to write up a purchase agreement and if there are no other interested buyers, this will serve as your official ‘offer’ once signed by all parties.
8. Secure Financing
We’ll work with you and the lender of your choice (or with our preferred financing partner Consumers) to help you navigate financing.
9. Title Signing
10. Move In!
Downloadable Resources
Housing Packet
Vista Green Duplex Handout
Vista Green Triplex Handout
Let’s
Get Started
Fill out our homeowner expressed interest form to get started!