Strong credit is the foundation for homeownership. If your credit history feels like a roadblock, we can help you turn it into a stepping stone.
At The HomeOwnership Center, we meet you where you are and create a clear, step-by-step plan to improve your financial health. Our HUD-certified advisor provides one-on-one counseling that cuts through the clutter — credit, budgeting, savings — so you’re fully prepared for the homebuying process.
Better credit means better loan options, lower interest rates and more confidence when you’re ready to buy a home.
Since 1998, we’ve helped thousands of families master their financial situations and become successful homeowners. We listen first, then help you develop a plan that fits your goals and timeline without judgement. With proven strategies, real education, and trusted lending connections, we turn uncertainty into action.
Create your account now and unlock the door to our team of experts who provide personalized plans, expert advice and practical tools designed to prepare you for each step towards homeownership.
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: 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 HomeOwnership Center works with all income levels and has many programs and services to suit a wide variety of people.
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.
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.
A: No, only you can improve your credit. However, The HomeOwnership Center can help you through the process of making the necessary improvements to your credit.
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.
