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Housing Counseling
- Pre-Purchase Counseling
- First-Time Homeownership
- Post-Purchase Counseling
- Reverse Mortgage Counseling
- Delinquency Counseling
- ACT91/HEMAP Counseling
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Counseling & Education
Pre-Purchase Counseling
Our pre-purchase counseling is conducted using the HUD guidelines, using the "Keys to Home Ownership" workbook produced by Fannie Mae.
During the session you and your counselor will:
- Complete a budget and credit analysis to determine your affordability to borrow
- Discuss the advantages and disadvantages of homeownership
- Review the cost involved and the available cash needed for down payment and closing costs
- Review debt to income ratios
- Review the types of mortgages available, including financial assistance through First Time Homebuyers programs
- Determine if you are ready for homeownership
- Develop an action plan and possible time frame
- Review the importance of a home inspection and how to use as a negotiating tool
- Provide continued education and follow up with client until closing
Call 800-989-2227 to schedule an appointment. Pre-purchase counseling is only offered in-person at one of our ten convenient locations. This one-on-one counseling service is available in English, Spanish, Chinese, Russian and Turkish.