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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.

Achieve Homeownership,
Own Your Dream Home

Navigating the journey to mortgage readiness is easier with an expert by your side. Our HUD-certified counselors know what lenders look for, and they’re here to help you strengthen your credit and optimize your budget - to prepare you for one of life’s biggest steps, owning your own home.

Reach out today to see how we can help!
Schedule your free
counseling session800-353-8963

Making Mortgage Readiness Clear and Achievable

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.

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

We’re here to take the mystery out of mortgage readiness and help you take achievable steps toward owning your home. Here’s how our HUD-certified counselors support you along the way:
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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 Tailored 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.
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Contact us today and start your journey toward homeownership!
Schedule your
free counseling session800-353-8963
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Tools & Resources
to Expand Access to Credit

Whether you need credit score improvement, budgeting insights, or other financial tools, our nonprofit housing counseling agency is here to guide you on the path to becoming mortgage ready.
Use Financial Calculators

Credit.org is Your Mortgage Ready Partner

Ready to take the first step toward owning your home? Let us be your guide! Connect with our HUD-certified counselors today to start your journey to mortgage readiness with a personalized plan, expert insights, and ongoing support.
Schedule your free counseling session
Credit.org is not a loan company. We do not loan / lend money.
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Credit.org is an independent nonprofit financial counseling agency and is not affiliated with any mortgage, lending or servicing provider. The content, links and resources in this site are presented for informational purposes only and should not be construed as legal or tax advice.

Credit.org is not a credit repair company.
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Credit.org does not offer credit repair services. Our focus is on providing educational resources, counseling, and support to help individuals improve their financial health and achieve their homeownership goals. We do not engage in activities that promise to remove or alter negative credit information from credit reports.
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