Purchasing a ZEM home is easy. Explore the five steps that get you into your new home below. We’re here to answer any questions you have.

Take an online or in-person tour of a ZEM home.

Contact ZEM Affordable Housing Initiative to determine next steps. We’ll work with you and your homeownership center to determine needs and eligibility

Choose a lot from a partner-owned community, or place on owned land

Secure your mortgage through the USDA Rural Development or local bank

Customize the design and finishes of your new home and place it on the lot of your choice