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Finding and Working With Your Housing Counselor

 

What You'll Learn

  • Housing counselors are available to help you prepare for homeownership, often at little or no cost
  • Housing counselors can help determine if you are eligible for down payment or closing cost assistance programs
  • Housing counselors have helped millions of people prepare for homeownership and regain their financial footing 

Housing counselors are important professionals to consider when you begin the homebuying process.  They’ll help you assess your individual financial situation, including whether homeownership is right for you. 

Housing counselors understand that homeownership is one of the most important purchases of your life. They want to help you understand the homebuying process, the people, the paperwork, and the requirements of successful homeownership.  They may also be able to identify local government-sponsored down payment and closing cost assistance funding that you may be eligible to receive.

Your Agent Is Expected to:

  • Educate you on the homebuying process and homeownership
  • Provide guidance on down payment options and local down payment assistance programs
  • Help you understand the types of mortgages available
  • Help you build, maintain and improve your credit
  • Advise on the role of your real estate agent and lender
  • Provide budget and credit advice

Housing counselors can also help if you’re facing financial difficulties and are struggling to pay your mortgage. 

To find a housing counselor near you, call the U.S. Department of Housing & Urban Development (HUD) at (800) 569-4287 or visit their website for a list of HUD-certified housing counselors in your area.

 

Key Takeaways

  1. The services housing counselors provide are often at little or no cost

  2. Housing counselors can help you build a budget to save for homeownership

  3. If you have impaired credit, or no credit, housing counselors can help

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