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One-on-one with a HUD-certified counselor
Personalized review of your financial picture
Actionable next steps, no pressure, no judgment
Available by phone, video, or in person
Our Homebuyer Orientation classes are packed with practical information to help you understand the process, avoid costly mistakes, and feel confident when you’re ready to buy.
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Homeownership starts before you begin looking at homes. Understanding where you are financially today can help you identify the steps you may need to take next. A Credit.org housing counselor can help you evaluate your starting point and develop a personalized path toward becoming mortgage ready.
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Everyone's situation is different. Income, expenses, savings, debt, credit, and future housing costs can all play a role in determining readiness. During your counseling session, your counselor will review these areas with you and help you better understand where you stand.
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You do not have to wait until your credit is perfect to start preparing for homeownership. Understanding your credit is an important part of mortgage readiness. Your counselor can help you review your credit and discuss steps that may support your homebuying goals.
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There is no single savings amount that works for every homebuyer. Your goals, finances, and potential homebuying options can all affect how much you may want to prepare. Counseling can help you better understand the expenses you may need to plan for.
Your session is designed around you. A nonprofit Credit.org housing counselor will help you explore your financial readiness, discuss your homeownership goals, and identify areas you may want to work on as you prepare for your next step.
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No. Mortgage readiness counseling can be helpful even if buying a home is still a future goal. Whether you are just starting to think about homeownership or preparing to take the next step, counseling can help you understand what to focus on now.
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