How it works
Frequently asked questions
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What homes are eligible for the Utopia program?
Most move-in ready homes on the market are eligible for the Utopia program, but there are also some specific eligibility criteria.
Eligible home types:
Single-family detached: The home’s deed must be “Fee Simple” (includes land ownership)
Move-in Ready homes with no major repair or renovation work required; must not have water, termite, foundation or roof damage
Homes with at least 2 above grade (above ground) bedrooms on less than 2 acres
Needs to be in the range of $125,000 to $500,000
Home needs to be in Urban or Suburban areas of the City and not in rural or semi-rural areas
Built in or after 1978 - Older homes could be considered on case-by-case basis if they are on public utilities and are fully renovated
Ineligible home types:
Condos or townhouses
HOAs or municipalities with rental restrictions
Pre-foreclosures / short sales /Foreclosures
REO / Bank-owned / county-owned / Fannie or Freddie-owned
Assignee contracts from wholesalers
Manufactured or mobile homes
Age Restricted Communities: Housing and neighborhoods specifically for those 55/65 and older
Homes on unpaved roads and/or driveways
central air conditioning HVAC
Homes with financed solar panels (owned solar systems and/or systems paid off at closing are OK)
Homes with above ground pools
Do I need a real estate agent?
Not at all. You can get started with Utopia and apply to the program whether you're already working with an agent or not.
Once you are fully approved to go home shopping with Utopia, we’ll introduce you to a partner agent who can help you navigate the home shopping process.
Already have an agent in mind? Sweet, We’re happy to work with any licensed realtor in your area. If they haven't already, ask them to sign up with us.
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How it works
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