HUD-Certified
Pre-Purchase
Nonprofit
HUD-certified counseling to help you make informed homebuying 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, HOA fees, etc.).
A review of your financial obligations.
Guidance on building a sustainable homeownership budget.
Tips to avoid foreclosure, maintain good credit, and build equity.
.svg)
100% Free
No Obligation
No Pressure
.svg)
.svg)
.svg)
.svg)
Speak with a certified housing counselor.
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.
A loan may be considered a HOEPA (high-cost) loan if its interest rate or fees exceed federal limits. Your lender is required to notify you if your loan is subject to HOEPA and may require you to complete counseling before closing. If you're unsure, review your Loan Estimate and Closing Disclosure or ask your lender or housing counselor for assistance.
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.
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. 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.
.svg)
Bring your Loan Estimate, Closing Disclosure, pay stubs, tax returns, bank statements, and any correspondence from your lender. If you don't have everything, don't worry — your counselor will guide you on what's still needed and help you gather it.
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.
Private & confidential
Educational guidance
HUD-approved agency
No lender sales pressure
.svg){kind=icon}
.svg){kind=icon}