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Pre-Purchase Counseling & Education

Homeownership is an exciting time for anyone pursuing the American Dream. Studies continue to show individuals who participate in pre-purchase counseling stay in their homes longer than individuals who do not. The purpose of pre-purchase housing counseling is to assist homebuyers in preparing for homeownership and reducing the chances of delinquency and default on the mortgage loan. Our pre-purchase counseling sessions are described below:


Counseling

Duration

Description

Fee


Credit Counseling

1-hour

Credit Counseling for clients whose middle credit score is under 640.

$30

Pre-Purchase (One-to-One)

2-hours

Homeownership counseling for clients who must complete prior to closing.

$20

Pre-Purchase (Orientation)

2-hours

Group Orientation for first-time buyers. Held in Conyers.

$20

Homebuyers Education Workshop

6-8 hours

Workshop held every 1st and 3rd Saturday.

$40/individuals - $50/couples

ONLINE Workshop

6-8 hours

eHome America Online Homebuyer Course. Available 24/7.

$99

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Down Payment Assistance 2017 Homeownership Team Referral Post-Purchase Counseling

House Owner

Pre-Purchase Counseling Topics

The following topics will be discussed with first-time homebuyers:

– Money management
– Understanding credit and addressing challenges
– Determining how much home you can afford
– Down Payment Assistance Programs

Homebuyer Education Topics

– Understanding the home buying and mortgage application process
– How to evaluate mortgage products
– The role of the Lender, Realtor, Appraiser, Home Inspector and more.
– Considerations when selecting your Homeownership Team
– Rights and responsibilities of homeowners as compared to renters
– Evaluating neighborhoods and home location
– Cost of housing and transportation based on the type and location of the home
– The terms of the mortgage loan and purchase contract
– Resources to assist with homeownership affordability including down payment
– Home repair and maintenance and the importance of the home inspection
– Avoidance of mortgage delinquency and default
– Avoiding frauds and scams
– Information on discriminatory housing and mortgage lending practices
– The rights and remedies available under applicable fair housing laws