Buying a home can feel overwhelming but you’re not alone. The HomeOwnership Center is here to guide you through every step with expert counseling, financial education and lending solutions tailored to your goals. For first-time homebuyers this process list will prepare you for the journey ahead, it’s also a great refresher for those that have purchased homes before.
We make the process simple and transparent. Here’s how it works:
Start online with a short intake form so we can learn about your goals.
A quick call will answer questions and walk through what’s needed to prepare for your counseling session.
Upload securely and we’ll confirm when everything is ready.
Within a week, you’ll meet one-on-one with a HUD-certified advisor.
We’ll go over your credit, budget and next steps to get mortgage-ready.
When you’re ready, we’ll connect you with a loan originator to discuss programs and rates.
Before or after shopping for a home, depending on your loan type.
Consider using one of HOC’s Preferred Realtors for a smooth experience.
Choose your mortgage and any down payment assistance options.
We’ll guide you through the final steps that will get you to the closing table.
The day has finally arrived! You are ready to become a homeowner.
Celebrate your new home and financial future.
Chris was amazing throughout our home buying process! She worked so hard to fulfil our dreams! I would recommend The HomeOwnership Center to anyone even thinking of buying! They help you through the whole process! I honestly don’t think we could have done it without them!
Carlee and Paul Sines
Setting up your account is quick, easy and opens the door to personalized support, affordable loan options, and practical tools designed to prepare you for each step towards homeownership.
"*" indicates required fields
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: No, our classes are open to anyone and we welcome those interested to contact us.
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 for a wide variety of people.
A: Yes. We provide assistance to everyone who wishes to purchase a home or wants to be educated about the purchase process.
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: 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.
