Pre-Purchase Counseling

Do you have a goal to purchase a home? We can help! Pre-Purchase Counseling is available to anyone interested in understanding the homebuying process. A Homeownership Advisor meets with households to analyze their income, credit, debt, and work history, as well as develop a strategy to overcome homeownership obstacles.

Anyone who attends a HomeStretch workshop at Model Cities is encouraged to participate in our individualized Pre-Purchase Counseling sessions as well. These one-on-one sessions are FREE and held in a confidential setting. 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 a specific, manageable steps to help you achieve your goals

 

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

 

Interested in the City of St. Paul Downpayment Assistance Program? Click here. You can ask our Housing Counselors about it as well.

 

**HUD approved Local Housing Counseling Agency (LHCA)

 

To get started, sign up below or contact us at (651) 632-8345 to schedule a free, individualized, confidential counseling session.

Homeownership Advisor:
(651) 632-8345

Register for Homeownership Services:

Register

For information on the City of St. Paul Downpayment Assistance:

Click Here