Are you ready to buy the house of your dreams? Being prepared for homeownership and making the right purchase decision is essential for you and your family’s future.
Pre-purchase counseling is a two-step process that includes our online Homebuyer Education Course and a follow up virtual counseling session.
As part of your counseling session, your counselor will explain the full costs of homeownership and help you create a budget that balances your new obligations. Your counselor will also highlight available down payment and closing cost assistance resources that may be useful in meeting your financial needs.
The homebuyer counseling session requires a credit inquiry which is a “soft” pull of your credit and will not affect your credit score or show on any third-party credit report requests.
Counseling Fee: No Charge
Upon finishing this counseling, you will receive your Certification of Completion, which may qualify you for some Homeownership Down Payment Assistance Programs.
Click Here to Get Started: Service Request Form
Along with the many advantages of homeownership, there are responsibilities required in order to maintain your home. Your counselor will help you understand these responsibilities to ensure long-term homeownership success.
Your counselor will review your budget/spending plan and assist you in revising it to meet your new expenses. Additionally, you will learn strategies for energy efficiency to reduce environmental impact and home maintenance costs.
Rental housing is essential to many families and a critical segment of the housing market. Young people starting out on their own, empty nesters, or senior citizens who want to downsize may seek rental housing.
A rental counselor will help you develop a personalized spending plan and provide you with advice for saving money, increasing income, and reducing debt.
The counselor will also work with you to review:
Credit and budget counseling is available to those who would like help with budgeting, money management skills, and credit issues.
After discussing your current financial picture and goals, our counselor will be able to help you develop a sustainable financial plan of action. To gain a more complete insight to your situation, a “soft” pull of your credit report will be required. This will not affect your credit score or show on any third-party credit report requests. With the information, the counselor will be better able assist you in strategizing and developing an Action Plan to move you toward your financial goals. Included in the session will be access to educational materials and social service resources.
Our counselors will also:
The New Jersey Judiciary’s Foreclosure Mediation Program is available to assist all qualifying homeowners avoid losing their home to foreclosure. Many homeowners enter the foreclosure process with their mortgage lender without an understanding of the type of relief that may be available to them.
Your counselor will act as your advocate, providing valuable assistance in helping you explore all options as you work through the foreclosure mediation process. Your counselor will create an action plan and help you complete the necessary paperwork required for eligibility.
To Qualify for the Foreclosure Mediation Program::
Helping homeowners who are experiencing financial difficulty to better understand what foreclosure may mean is the platform for the foreclosure education course. It’s designed to provide valuable information about the when, where, why, and what your next steps should be during such a stressful time. Most importantly, it defines the tools available to you if faced with the difficult decision of foreclosure. This course also prepares homeowners with information to navigate away from the potential scams they may be presented with during the foreclosure process.