Three Steps to Homeownership

Are you Ready to Purchase the Home of your Dreams?

Housing Education and Counseling Works!

There are many resources, programs, and grants available to help you purchase a home, including down payment and closing costs assistance. Our services are a three-step process that includes our Online Homebuyer Education Course and Virtual Counseling Sessions.

Client Benefits:

  • Housing counselors help empower clients with knowledge, tools, and resources to guide them in making informed financial
  • Housing counselors work with our clients to create a budget, reduce their debt, and improve their credit
  • The average grant for a homebuyer using a DPA was about $10,000 at closing
  • People who participate in housing counseling average $11,300 less in total debt over the loan’s life.

Step 1: Pre-Purchase Homebuyer Education (Online) - $100.00 (each) Please add co-applicant during registration

This course creates knowledgeable and default-resilient buyers ready for a lifetime of homeownership. The HOMETRACK certified web-based program is America’s signature Homebuyer Education Course for prospective first-time homebuyers. Easily accessible through any mobile device 24 hours a day, clients can learn the ins and outs by taking this comprehensive, fun, and engaging course at their own pace seven days a week.

Course Curriculum:

  • Steps of the home buying process
  • Preparing for the expenses of homeownership
  • Financial management of homeownership

To take this course: Service Request Form

Step 2: Pre-Purchase Virtual Housing Counseling - (Free)

Being prepared for homeownership and making the right purchase decision is essential for clients and their families future. The counselor will explain the total costs of homeownership and help the client create a budget that balances their new obligations. The homebuyer counseling session requires a credit inquiry that is a “soft” pull of their credit and will not affect their credit score.

During the counseling session, we will:

  • Gather income, expense, and debt information to create a budget
  • Pull your credit report and review credit history and scores
  • Develop a client action plan to guide the client in becoming mortgage-ready
  • Provide the client with a Mortgage Affordability Analysis

Step 3: Down-Payment Assistance Program - (DPA):

  • Down payment grants are designed to help eligible buyers bridge the gap between their savings and the required down payment and closing
  • The programs typically define a first-time buyer as having not owned a home for the past three
  • Your counselor will search our National Data Base for all available grants in the state, county, and city to determine

After their counseling sessions, clients will receive a Counseling Completion Certificate, a pre- requisite for most down payment assistance programs.

To request Counseling and Down-Payment Assistance Information:

Foreclosure Presentation Course

Course Description

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.

Course Curriculum

Course Fee: No Charge
Click Here to Get Started: Service Request Form