After successful completion of our Homeownership class, you will be eligible to work individually with a certified counselor to develop an individualized homeownership action plan.
To prepare for a home purchase, counselors will assist you in understanding your credit, planning your finances, and accessing and comparing loan products. If needed, you will be offered assistance with establishing and improving your credit, and with applying for special loan programs that may available. Our counselors work with you for as long as you need until you achieve your goal of homeownership.
Contract For Deed Agreements can be converted to traditional home purchase agreements with the help of our certified counselors. Traditonal purchase though a lender can offer the benefits of financial and ownership security, including tax benefits available to homeowners.
In cases involving delinquency counseling or mortgage default, homeownership counselors will review your case and answer your questions. If you decide to take steps to prevent foreclosure, we will contact the lenders and negotiate on your behalf. We will attempt to obtain agreements to avoid the loss of your home, including options such as refinancing and executing forbearance agreements or payment plans. The sooner you contact us on this type of case, the better we can serve you!
There are a number of things you need to know about buying a house before you begin shopping for your dream home.
Start by reviewing your goals with our professional staff during a free, private session.
You'll discuss:
- How much house you can afford - based on your income and ongoing expenses.
- Your credit scores – we can pull a tri-merge credit report that includes all three credit bureaus and credit scores (cost: $15 per person).
- Eligibility for down payment assistance and other special programs for first-time homebuyers.
- Pre-qualification for loan programs that match your circumstances.
You’ll leave with an Action Plan designed just for you so that your next steps are clear. As you make progress toward your goals, we’ll be there to guide you all the way through closing.
Call today to schedule your free appointment at 937-853-1600, or begin online by clicking below.
Existing Homeowners
Getting Your Mortgage Back on Track
Job loss, divorce, illness or a financial crisis may threaten your home, especially if you get behind on mortgage payments. The HomeOwnership Center staff will help you evaluate the options based on your circumstances.
Refinancing Your Mortgage
Are you in an adjustable rate mortgage that is no longer affordable? Would a refinance help you to accomplish other goals, such as making a large home repair? Do you think you might qualify for a lower interest rate or payment?
Reverse Mortgages
A reverse mortgage is a loan that uses your home as collateral, but does not require monthly payments. If you are 62 or older, and you have equity in your home, you may qualify for a reverse mortgage that would allow you to access funds from your home
Beware of Foreclosure Scams
Unfortunately, there are scam artists waiting to take advantage of homeowners who are at risk of losing their home. Unscrupulous tactics include charging large fees, posing as government programs, and "bait and switch" schemes that transfer ownership of the home.