The HOPE Counselor Program combines personalized housing counseling expertise in mortgage lending and extensive knowledge of down payment and other gap financing programs. We can help you overcome barriers to homeownership such as credit issues, lack of savings, or unusual job circumstances.

We can order and review your credit report, and assist you in determining a plan of action should your credit need repair. Our Loan Counselors will research and bundle together the best available mortgage and down payment assistance programs, and then introduce you to various lending institutions that can process the assistance programs that we have outlined for you. All of this is possible because we know the people and the programs in your community that can help you bridge the affordability gap and achieve homeownership.

Best of all, the HOPE Counselor Program is free and unbiased.

To assess your readiness and help you determine your next step, call our Homeownership Hotline at 877.894.4663 or complete our online form and a counselor will contact you shortly thereafter.

What the HOPE Counselor Program Offers

• Free and unbiased services for first-time homebuyers
• Information on down payment assistance programs and grants for households that make 80% or less of the local Area Median Income (AMI)
• A personalized review of subsidized, under market housing options in your area
• Referrals to subsidized loan programs for families and individuals to make up to 115% of AMI
• Personalized mortgage loan plans that bundle all of the bundle all of the available gap financing and down payment assistance
• Introductions to financial institutions that can offer the personalized loan package that we have bundled together for you
• Confidential Credit  and Budget Counseling