Become Mortgage Ready with HUD-Approved Housing Counseling

Get on the fast track to owning your own place. No more paying rent for a space that’s not yours. Our HUD-certified counselors are here to guide you every step of the way on your path to mortgage readiness. With our expertise, you’ll get a clear, personalized roadmap, crafted to tackle any financial hurdles that may stand between you and homeownership.
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.

Making Mortgage Readiness
Clear and Achievable

Magnifying glass placed over colorful financial reports, symbolizing analysis, review, and attention to detail.

Customized Mortgage Readiness Plan

During the pre-purchase counseling session, the counselor will conduct a thorough assessment of your budget, helping you understand your financial standing and capabilities. This includes analyzing your income, expenses, and existing debts to determine a realistic budget for homeownership.

Access to Financial Assistance Programs

Our counselors connect you with opportunities that expand your financing options, putting homeownership within closer reach. Receive valuable resources  to expand your ability to finance your dream home.
A mother and her baby are shown being on a computer reviewing the reasons to choose Credit.org's consumer credit counseling service based on research and cutomer reviews from Google or any other review platform.Magnifying glass placed over colorful financial reports, symbolizing analysis, review, and attention to detail.
Young woman wearing glasses sitting at a table, reviewing documents with focus, symbolizing organization and financial planning.Magnifying glass placed over colorful financial reports, symbolizing analysis, review, and attention to detail.

Trusted HUD-Certified Housing Counselors

Our HUD-certified housing counselors offer you trusted guidance and know how to navigate the homebuying process with ease. With expertise in everything from credit improvement to mortgage details, we provide trusted support so that each step toward your new home is clear and manageable.

Take the First Steps Toward
Mortgage Readiness

Step 1
Financial Health Check-Up

A comprehensive review of your finances, examining your credit score, debt levels, income, and savings to pinpoint your financial strengths and create a clear roadmap.

Step 2
Credit Improvement Plan

Enhance your credit profile with a custom plan to make you more attractive to lenders and unlock a broader range of mortgage options and favorable rates.

Step 3
Budgeting and Savings Strategy

A strong budget and savings plan is essential for both your mortgage and the upfront costs of homeownership.  Saving for key expenses like a down payment and closing costs prepare you for homeownership.