HOUSING COUNSELING
Housing Counseling is committed to provide low-moderate income families with a continuum of coordinated services in one location in order to better meet their housing and consumer credit needs and to build individual and community wealth.
The Home Ownership Counseling Program will prepare you to become a homeowner. The HOCP seminar is organized into six sessions which are conducted on two consecutive Saturdays. HOCP's mission is to expand home ownership opportunities, particularly for minorities and persons with lower to moderate incomes. The goals of the program are:
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To educate prospective first time home buyers to enable them to make an informed decision regarding home ownership.
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To assist those who proceed through the process of purchasing a home and provide the resources to promote successful home ownership.
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To inform the related industries about the needs of the community.
homebuyer education
The Home Ownership Counseling Program will prepare you to become a homeowner. The HOCP seminar is organized into six sessions which are conducted on two consecutive Saturdays. During these six sessions you will learn about:
Preparing for Home Ownership
Shopping for a Home
The Closing Process
The Importance of Good Credit
Obtaining a Mortgage
What to Expect as a Home Owner
Upon completion of all six sessions, you will receive a certificate of achievement. The certificate should be presented to the loan officer at the time of completing the mortgage application. This will demonstrate that you are serious and informed about home ownership.
individual counseling
Individual Counseling is also available to you during and after the home buying process. Staff can assist you with:
Reviewing Your Credit Report
Budgeting
Selecting the Best Mortgage for You
Loan Document Preparation
Determining Your Affordability