Pre-Purchase & HOEPA Counseling

Before you buy a home, it’s important to understand what you’re committing to. Our pre-purchase counseling services help you learn about the responsibilities and benefits of homeownership. Understand the costs, risks, and responsibilities of homeownership.
Schedule Your Appointment800-294-3896
Magnifying glass placed over colorful financial reports, symbolizing analysis, review, and attention to detail.Magnifying glass placed over colorful financial reports, symbolizing analysis, review, and attention to detail.
Magnifying glass placed over colorful financial reports, symbolizing analysis, review, and attention to detail.

What is HOEPA?

If you're exploring home financing options, HOEPA is designed to protect you from unfair lending practices on high-cost loans. HOEPA, part of the Truth in Lending Act, protects homeowners from predatory lending on high-cost mortgages by enforcing strict rules and transparency. It ensures you're informed, supported, and in control every step of the way through the following benefits:

• Clear, upfront disclosures about loan costs
• Limits on risky loan terms that could hurt you
• Free, required counseling to guide your decision
• Strong legal protections if your rights are violated

With HOEPA, you gain peace of mind and the tools to make confident, safe homeownership choices.

What You'll Learn During HOEPA Counseling

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Descubra información oculta,
Obtenga el control financiero

Obtenga una visión clara de lo que su informe crediticio dice sobre usted. Nuestros expertos lo guían a través de cada factor que afecta su calificación y lo ayudan a identificar exactamente dónde se pueden realizar mejoras.

Corregir errores de informes,
Construye una puntuación más sólida

Identificaremos y abordaremos las imprecisiones que puedan estar reduciendo tu puntuación. La corrección de estos errores proporciona un nuevo comienzo y una base sólida para el crecimiento continuo del crédito y la salud financiera.
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Review Your C… (3)-minMagnifying glass placed over colorful financial reports, symbolizing analysis, review, and attention to detail.

Take Action, Achieve Homeownership Success!

Nuestro enfoque no se limita a revisar, sino que lo preparamos para el éxito. Con un plan de acción personalizado, sabrá exactamente qué medidas debe tomar para mejorar su calificación y aprovechar nuevas oportunidades financieras.

Step-by-Step
HOEPA Counseling Process

Step 1
Start With a HOEPA Counseling Session to Understand Your Loan

Speak with a HUD-certified housing counselor to meet HOEPA or lender requirements, understand your mortgage terms, and avoid high-cost lending pitfalls before you sign.

Step 2
Review Your Loan Terms, Budget, and Rights as a Home Loan Borrower

We’ll help you break down your loan terms, interest rates, fees, and monthly payments to ensure you fully understand your obligations and options before committing.

Step 3
Understand the Risks of High-Cost Loans and Prepare for Homeownership

Learn how HOEPA protects you, what to avoid, and how to strengthen your budget and credit so you can move forward with confidence and long-term financial stability.

Step 4
Get a Certificate of Completion and Resources for Long-Term Success

You’ll receive your official certificate and helpful homebuyer tools, so you stay protected, educated, and ready for successful homeownership beyond the loan closing.
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Free HOEPA
Resources & Tools

Download these trusted resources to better understand HOEPA loan requirements, stay compliant, and take the next step toward confident, mortgage-ready homeownership. Click the links below.

• HOEPA Lender Reference Guide
‍• Borrower Checklist
‍• CFPB Compliance Guide
‍• Mortgage Readiness Calculator

HOEPA Counseling FAQ's

How do I know if my loan is a HOEPA loan?

*Hover over for answer
We’ll review your loan terms with you. If it meets HOEPA’s high-cost triggers, counseling is required. You’ll get clarity before you move forward.

Why is counseling required for HOEPA loans?

*Hover over for answer
HOEPA loans come with higher costs and risks. Counseling ensures you fully understand your rights, protections, and the impact of your loan terms before signing.

Is counseling only for people ready to buy now?

*Hover over for answer
Not at all. Many people use this session to prepare for the future. We’ll help you create a plan so you’re mortgage-ready when the time is right.

What if I’m not ready to buy after my session?

*Hover over for answer
That’s okay. You’ll leave with personalized steps, credit guidance, and budgeting tools to help you prepare confidently for homeownership when you’re ready.
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