HUD-Certified
Pre-Purchase
Nonprofit
HUD-certified housing counseling to help you make informed home buying decisions.
HUD-Approved Housing Counseling Agency
NFCC Member
501(c)(3) Nonprofit
The exact terms and risks in your loan offer.
Safer financing alternatives, when available.
Your rights under federal lending protections.
What to expect at closing, and how to protect yourself.
A clear understanding of your mortgage loan terms
A breakdown of total monthly housing costs: PITI (principal, interest, taxes, and insurance) plus HOA fees.
A review of your financial obligations.
Guidance on building a sustainable homeownership budget.
Tips to avoid foreclosure, maintain good credit, and build equity.
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No Obligation
No Pressure
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HOEPA counseling and PPC are two of Credit.org's housing counseling services. If your situation is different, like falling behind on payments or needing help managing debt more broadly, we also offer foreclosure prevention counseling and credit counseling.
Always Free
No Obligation
Confidential
For Educational Guidance
Estimated Available Equity
Estimated Monthly Payment Option
Interest Rate Range
Speak with a certified housing counselor to review your situation, questions, and next steps.
Your lender has to tell you in writing if your loan is HOEPA-covered, it's not something you have to calculate yourself. Look for a HOEPA disclosure alongside your Loan Estimate or Closing Disclosure, usually triggered by an APR or upfront fees that run well above the market norm. If you don't see one and you're still not sure, bring your paperwork to a session and your housing counselor can check it with you.
Only loans that meet HOEPA's high-cost thresholds require it by law, but when a loan does qualify, your lender legally cannot close it without written certification that you completed counseling from a HUD-approved counselor who isn't affiliated with them. We provide that counseling and the certification your lender needs.
Most pre-purchase and HOEPA counseling sessions take about 60 to 90 minutes. The exact length depends on the complexity of your loan and how many questions you have. Your counselor will move at your pace and make sure every concern is addressed before wrapping up.
Not at all. If you're still preparing rather than about to sign, a mortgage readiness session might be the better starting point, since it's built for people who aren't ready to buy yet. We'll help you build a plan so you're actually ready when the time comes.
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Bring your Loan Estimate, Closing Disclosure, pay stubs, tax returns, bank statements, and any correspondence from your lender. If you don't have everything, that's fine. Your counselor will help you figure out what's still needed and how to get it.
That's fine. You'll leave with a specific next-steps list, credit guidance, and budgeting tools, so you know exactly what to work on before you come back.
HOEPA counseling is specifically for loans that meet HOEPA's high-cost thresholds. It's legally required before those loans can close, and your lender needs a certification on file proving you completed it. Pre-Purchase Counseling (PPC) is broader and, in most cases, voluntary: it covers your full homeownership budget and readiness, not just one loan's terms. If your lender flagged your loan as high-cost, you need HOEPA counseling. If you're just getting ready to buy, PPC is usually the better fit, and as a HUD-approved housing counseling agency, we can tell you which one applies during a quick call.
If your loan is HOEPA-covered, your lender can't legally close it without your signed counseling certification on file, so in practice closing gets delayed until counseling is done. Scheduling your session as soon as you know your loan is HOEPA-covered, rather than the week of closing, keeps a counseling delay from pushing back your move-in date.
Private & Confidential
Educational Guidance
HUD-Approved Agency
No Lender Sales Pressure
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