First Time Home Buyer Help
with Homebuyer Counseling

Dive into Credit.org's first time home buyer programs and Home Ownership and Equity Protection Act (HOEPA) counseling! Gain more clarity about the home buying process with ease and learn about HOEPA regulations from HUD-approved Housing Counselors. It's not just homebuyer counseling, it's your first step towards achieving homeownership.
Get Started Now1 (800) 294-3896
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Expert Housing Assistance
for First-Time Homebuyers

Get Step-by-Step
Home Buying Guidance

Our housing counselors walk you through every stage of the home buying process. From understanding mortgage options to navigating documentation, we provide the personalized support you need to make informed decisions as a first-time homebuyer.

Learn About First-Time
Homebuyer Programs

Learn about special programs, grants, and incentives available for first-time homebuyers. We help you explore all available options to make homeownership more affordable and accessible, ensuring you're aware of every opportunity to save.

Become Financially Ready
for Homeownership

Prepare financially for homeownership with expert budgeting assistance. Our counselors assess your financial situation, help you develop a realistic savings plan, and ensure you are financially ready for the responsibilities of owning a home.
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HUD-approved Housing Counseling Agency

Learn the Home Buying Process
and Achieve Homeownership

As a HUD-approved Housing Counseling Nonprofit, we provide first-time home buyers with trusted guidance throughout the home buying process. Our HUD housing assistance programs offer expert support, helping you explore financing options, avoid costly mistakes, and confidently buy your first home with peace of mind.
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Unlock the Benefits of
First Time Home Buyer Programs  

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Clear Home Buying and
HOEPA Regulations Counseling  

Navigate the HOEPA landscape with ease. Our services provide a comprehensive breakdown of HOEPA regulations, ensuring you're fully aware of your rights and protections as a homebuyer.
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Personalized Guidance
for First-Time Buyers

Tailored specifically for first-time homebuyers, our pre-purchase counseling demystifies the homebuying process. We offer personalized advice to match your individual housing needs and financial situation.
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Financial Preparedness
for Home Ownership

A cornerstone of our service is ensuring your financial readiness for home ownership. We assist in budget planning, mortgage understanding, and preparing for the financial responsibilities of owning a home.
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Risk Assessment
and Mitigation Strategies

Assessing potential risks is vital. Our HOEPA/Pre-Purchase counseling services include evaluating financial risks associated with homebuying and providing strategies to mitigate them effectively.
Ready to Start Your Home Buying Journey?
Contact Us Today!
Get Started Now1 (800) 294-3896
Transformative Counseling for New Homeowners

Revolutionize Your
Home Purchase Experience

Our HOEPA and pre-purchase counseling services don’t just prepare you for buying a home; they transform the way you approach this significant life event, making sure a wise and well-informed purchase is made.
Read Our Success Stories
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Credit.org's ecosystem of all the financial education, financial education, financial counseling, financial guides, financial videos, and virtual/ in-person courses.
Buying a house for the first time?

Get Clarity on Your Budget
with Our House Payment Calculator

Our house payment calculator empowers you to confidently plan your home purchase by providing clear insights into what you can afford. Combined with our expert resources, guides, and planning tools, you'll have the knowledge to make smart financial decisions and secure the home that fits your budget and goals.
Use house payment calculator

First-Time Home Buyer
Frequently Asked Questions

How can you help if I am struggling to pay my mortgage?▼

We can look at your mortgage repayment options and help you make decisions on next steps.

Can you help me refinance or modify my mortgage?▼

Housing counselors at Credit.org can contact your servicer with you on the line, but we can’t guarantee a positive outcome. Your outcome will depend on what your servicer is willing to offer and/or your eligibility for specific state and federal housing programs.

Can you stop my foreclosure?▼

We are not attorneys and we cannot stop a lawful foreclosure. However, you may still have the ability to save your home, which is why it's important to speak with a qualified foreclosure counseling specialist as soon as possible.

Is there any cost for foreclosure counseling?▼

Foreclosure prevention counseling is provided for free. There is no cost and no risk to use this service.
Deep Dive into Homebuying Essentials

Expand Your Homebuying Knowledge

Our blogs offer thorough educational content, covering everything from HOEPA implications to smart pre-purchase decisions.
View Blogs
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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