Pre-Purchase Counseling

Understanding the home buying process and the financial obligations of purchasing and owning a home upfront can prevent you from getting in over your head and facing default or foreclosure years later.

In our pre-purchase counseling, a housing expert will speak with you individually by phone or in-person and gather background on your income and expenses. With your permission, we’ll also run your credit report.

Armed with this information, we’ll help you discover the maximum you can realistically afford for a home, taking into account property taxes, insurance, maintenance costs, increase utilities and more. Should you need to improve your credit to qualify for a mortgage with a more favorable interest rate, we can help guide you on how to do so.

Time permitting, your counselor will also discuss the various types of loans and applicable federal, state and local down payment assistance programs.

ClearPoint Credit Counseling Solutions is a U.S. Department of Housing and Urban Development (HUD)-approved housing counseling provider.  As such, this counseling will earn you the Housing Certificate required by many lenders for you to obtain a mortgage.

Federal and corporate funding allows us to provide this service for free.

Call ClearPoint at 1.877.422.9040 to schedule a pre-purchase counseling session.

Article on home buying:

When Is The Perfect Time To Buy Your First Home?