Access competitive loan options you won’t find at traditional lenders. As a nonprofit, we put your goals first, not our bottom line. Our team works one-on-one to find the best solution for your budget and long-term success.
Our experience with The HomeOwnership Center Inc. was fantastic and we felt supported. We were guided appropriately and felt that our concerns were heard.
Artemisa Gutierrez and Chad Simmons
No down payment required, fixed interest rates and flexible income guidelines make these loans a great option for many moderate- and lower-income families.
Learn more about USDA Guaranteed Home Loans
Learn more about USDA Direct Loans
Government-backed loans that are easier to qualify for with lower interest rates, low down payment and lower credit score requirements.
Learn more about FHA Home Loans
Traditional lending options with low down payments and fixed interest rates.
Learn more about Conventional Home Loans
Tackle major projects like kitchen remodels, roof replacements, plumbing repairs and electrical updates.
Upgrade your HVAC system, replace windows and doors or add insulation to lower energy costs.
Lending options for installing or repairing residential solar power systems.
Install safety railings, add ramps or remodel bathrooms for improved accessibility.
Low fees and rates make this loan more affordable for lower- and fixed-income families who need to make home repairs.
We don’t just help you buy a home, we set you up for long-term success. Our comprehensive loan portfolio makes us competitive with other lenders, plus we offer programs they don’t.
The HOC team is licensed and registered with the Nationwide Mortgage Licensing System (NMLS), which certifies that we meet regulatory industry requirements. Our NMLS number is 362854.
Find out what monthly mortgage payment you can potentially afford right now with our mortgage calculator. Interest rates vary per loan type and can change multiple times per day. For the latest rates, please contact us at 304-636-9115 to speak with our loan originator.
Setting up your account is quick, easy and opens the door to personalized support, affordable loan options, and support designed for homebuyers from all income levels. Let’s work together to find a loan that works for your needs.
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A: HOC can provide a down payment assistance loan to pair with your home loan from a local or regional lender, or we can provide your home loan, but we cannot provide both on the same purchase.
A: Yes. We provide assistance to everyone who wishes to purchase a home or wants to be educated about the purchase process.
Yes, this is a requirement of all of our loans at HOC.
A: The HomeOwnership Center works with all income levels and has many programs and services to suit a wide variety of people.
A: The only fee that you pay to work with our HUD Certified Counselor is the cost per person of your soft inquiry credit report. The meeting itself is free to you.
A: The process of purchasing a home varies from person to person, and so does the time it takes to get to “yes”. There may be obstacles that we need to overcome prior to you being ready to move forward with a mortgage, but we will be with you the whole way.
A: Yes. We offer counseling services to anyone regardless of their credit history. Each mortgage type has its own set of requirements and can be explored during your appointment. Learn how to repair and build your credit with our HUD-certified advisor.
A: Yes. One of the biggest obstacles facing many homebuyers is too much debt. Your monthly debt is taken into consideration when a lender determines the mortgage amount for which you qualify. Our counselors will show you how to determine how much debt is too much and, if necessary, help you develop a debt reduction plan – get started now!
A: The HomeOwnership Center offers customers the tools and knowledge they need to become informed consumers and successful homebuyers. The eight hour online Homebuyer Education course provides an overview of the home buying process and what lenders expect. Counselors help customers address their obstacles to home ownership and HOC continues to provide educational opportunities and counseling after a home purchase to ensure sustainable success.
