| Do you have questions about The Homeownership Center and how it can help you? Read the frequently asked questions below to find your answers.
Why should I come to The Homeownership Center?
What is the importance of meeting with a Housing Counselor?
What are some obstacles that could prevent me from buying a home?
Can you help me if I've owned a home in the past?
Can you fix my credit for me?
Can The Homeownership Center give me a loan or work as my real estate agent?
Do I have to pay for services?
How do I get started?
Why should I come to The Homeownership Center?
The center offers members the tools and knowledge they need to become informed consumers and successful home buyers. An 8 hour Homebuyer’s Education course provides and overview of the home buying process and what lenders expect. Counselors help members address their obstacles to home ownership. The Center continues to provide educational opportunities and counseling after the purchase to ensure your success as a home owner.
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What is the importance of meeting with a Housing Counselor ?
A certified Housing Counselor can help you and your family to determine whether or not you are ready to buy a home. Housing Counselors specialize in helping families and individuals to create a financial plan and determine obstacles that could prevent you from buying a home.
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What are some obstacles that could prevent me from buying a home ?
Financial Management or use of credit. If you’re finding it difficult to create a workable budget or you know that you’ve had problems maintaining your credit in the past few years.
Lack of Savings
Unstable Work History
Unstable Rental History
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Can you help me if I’ve owned a home in the past?
Yes, we provide assistance to everyone who wishes to purchase a home. And we offer many services for those who already own a home.
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Can you fix my credit for me?
No, only you can repair your credit. However, the center can help you through the process. Understanding and taking responsibility for your credit, is discussed in all of our classes. Counselors will help you apply the knowledge to your own situation.
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Can The Homeownership Center give me a loan or work as my real estate agent?
No. We are a non profit agency whose sole function is to educate consumers about homeownership. We work with you throughout the entire process, and provide you with the knowledge to help you find the right mortgage lender and real estate agent for you.
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Do I have to pay for services?
There is a $50 fee, if you are less than 80% of HUD’s median income guidelines. If are above the HUD guidelines, the fee is $100. There is also a small fee for each credit report. This entitles our members access to individual counseling and all educational classes. All fees are per household, not per individual.
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How do I get started?
Contact our office at info@nthcinc.org or 214.946.3500.
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