Buying your First Home or Long-time Owner? We Can Help You.

Home Buyer Education
Our 8-hour Homebuyer Education classes help you determine if homeownership is right for you and guide you through the home buying process.  You receive a free follow up individualized meeting to work on your home buying plan. We help you navigate through the purchase & sales contract, mortgage products, home inspections, closing attorneys, home insurance options, and more.

Regardless of your income, you may enroll in any one of our monthly Homebuyer Workshops offered by the NeighborWorks HomeOwnership Center in your region. The certificate you earn can give you access to more affordable mortgage products across the state and country. There is a small fee for a credit report and workshop materials.

After the homebuyer workshop, take advantage of these free services:
Credit and Budget Counseling: If you need to rebuild your credit or would like guidance on budgeting toward buying a home, we offer confidential financial counseling.
Mortgage Products: We help you find the most affordable home financing options. Our staff can help facilitate the process with the lender you choose and works with you every step of the way.
Tax Credit Available: If you are a “first-time homebuyer” (have not owned in three years) in 2009, there is a generous tax credit available for up to $8,000 or 10% of the purchase price, whichever is less. We can show you how to take advantage of this financial benefit.
Other homebuying considerations: We can discuss with you what to expect from the home inspection, appraisal, homeowners insurance, and closing.

Affordable Homeownership Opportunities
All of the HomeOwnership Centers offer directly or work with partners that have shared-equity homes for sale from time to time. Shared equity homes have grants built into the purchase price, sometimes grants of more than $50,000 off the appraised value. They are more affordable than regular market homes because, in exchange for this built-in grant, homeowners limit the sale price to 25% of any increase in value when they sell the home. The grant stays with the home and keeps the price affordable to the next buyer. Eligibility for shared-equity homes:
You must be a HomeOwnership Center customer.
You have a stable source(s) of income.
You have good credit and reasonable debts.
You are within the maximum income guidelines. Minimum annual income eligibility is generally about $20,000.

Homeownership Preservation
Once you become a homeowner, we can help you preserve your investment and equity. If you have taken our homebuyer workshop, you can stop in or call any time with questions about how to maintain your home, or whether a home equity loan is right for you.
Home Rehab Loans: You do not have to be a former customer to use our loan fund. For any homeowner that meets income criteria, we offer low interest home repair and weatherization loans with low monthly payments, along with free inspection and project management services to make sure the work is completed properly. Learn more.
Delinquency Intervention: If you get behind in your mortgage payments, we work with you to get you back on track and resolve past debt.
Foreclosure Prevention: If you are facing foreclosure, we can work with you to navigate through the legal process to know what to expect and how you can best protect your credit.