Topics include: Determining what you can afford Developing a budget and savings plan Finding the right mortgage product for your needs Reviewing your credit report and addressing credit problems that could prevent you from getting a mortgage (slight fee to pull credit report) Creating a customized Action Plan with specific, manageable steps to help you achieve your goals

Pre-Purchase Counseling

Advising and educating prospective buyers

Our Pre-Purchase Counseling services provide FREE, one-on-one assistance to help potential homebuyers understand and address barriers to homeownership.

Get prepared to act

Working with a HUD-certified counselor, you’ll be able to analyze your household income, credit, debt, and work history. Empowered with this information, we’ll work together to create a strategy to overcome any obstacles and a plan of action that prepares you for the purchasing process.

Frequently Asked Questions

WHO SHOULD ATTEND?

Pre-Purchase Counseling is available to anyone interested in understanding the process of buying a home and prepare for purchase. Also, anyone who attends a HomeStretch Workshop is encouraged to participate.

HOW MUCH DOES IT COST?

Sessions are free and held in a confidential setting.

WHAT WILL I LEARN?

Topics include:

Determining what you can afford
Developing a budget and savings plan
Finding the right mortgage product for your needs
Reviewing your credit report and addressing credit problems that could prevent you from getting a mortgage (slight fee to pull credit report)
Creating a customized Action Plan with specific, manageable steps to help you achieve your goals

WHAT DO I NEED TO DO IN ADVANCE OR PROVIDE FOR MY SESSION?

Documentation usually required for a home buyer preparation appointment will include current pay stubs for your most recent month of employment, two years of tax returns, W-2s, credit information (if applicable), and three months of bank statements. Additional information may be required.