Navigating the home buying process can feel overwhelming, especially when loan terms are complex or you're unsure what’s affordable. That’s why we offer certified Pre-Purchase and HOEPA counseling designed to protect you, prepare you, and help you move forward with clarity and confidence.
Understand What You’re Signing Protect What You’re Building
What is HOEPA?
If you're exploring home financing options, Home Ownership and Equity Protection Act (HOEPA) is designed to protect you from unfair lending practices on high-cost loans. HOEPA, part of the Truth in Lending Act, protects homeowners from predatory lending on high-cost mortgages by enforcing strict rules and transparency. Our certified counselors will walk you through:
• The exact terms and risks in your loan offer. • Safer financing alternatives, when available. • Your rights under federal lending protections. • What to expect at closing, and how to protect yourself.
We deliver the facts with zero pressure, so you can make a confident, informed decision.
If you're ready to sign your mortgage loan, now is the perfect time to complete Pre-Purchase Counseling. This HUD-approved session helps you understand the full financial commitment of homeownership, beyond just the mortgage terms, so you can close with clarity and long-term confidence. Our certified counselors will provide you with:
• A clear understanding of your mortgage loan terms. • A breakdown of total monthly housing costs (PITI, HOA fees, etc.). • A review of your financial obligations. • Guidance on building a sustainable homeownership budget. • Tips to avoid foreclosure, maintain good credit, and build equity.
Get Clear, Accurate Guidance to Know What’s Fair and Protect Your Future Home
You shouldn’t have to worry about being taken advantage of or of missing critical disclosures. We help you recognize the warning signs of predatory lending, understand your legal protections, and avoid unnecessary risk. This is more than checking a box, it’s making sure your loan and your lender are working in your best interest.
Enroll in the HUD-Approved Homebuyer Education Course to Prepare for Homeownership
Your HOEPA counseling session is $150 and provides expert guidance tailored to your housing goals.
Pre-purchase counseling is $179 to help you prepare with confidence before buying a home* In cases where individuals are unable to afford our services, managers have the liberty to reduce or waive associated fees.
Step 1 Start With a Counseling Session to Understand Your Loan
Speak with a HUD-certified housing counselor to meet lender requirements, understand your mortgage terms, and avoid high-cost lending pitfalls before you sign.
Step 2 Review Your Loan Terms, Budget, and Rights as a Home Loan Borrower
We’ll help you break down your loan terms, interest rates, fees, and monthly payments to ensure you fully understand your obligations and options before committing.
Step 3 Understand the Risks of High-Cost Loans and Prepare for Homeownership
Learn how HOEPA protects you, what to avoid, and how to strengthen your budget and credit so you can move forward with confidence and long-term financial stability.
Step 4: Get a Certificate of Completion and Resources for Long-Term Success
You’ll receive your official certificate and helpful homebuyer tools, so you stay protected, educated, and ready for successful homeownership beyond the loan closing.
Download these trusted resources to better understand HOEPA loan requirements, stay compliant, and take the next step toward confident, mortgage-ready homeownership. Click the links below.
A DMP is a structured plan that lowers interest rates and combines bills into one monthly payment, no new loan required.
Why is counseling required for HOEPA loans?
*Hover over for answer
We’ll review your loan terms with you. If it meets HOEPA’s high-cost triggers, counseling is required. You’ll get clarity before you move forward.
Is pre-purchase counseling only for people ready to buy now?
*Hover over for answer
Not at all. Many people use this session to prepare for the future. We’ll help you create a plan so you’re mortgage-ready when the time is right.
What if I’m not ready to buy after my session?
*Hover over for answer
That’s okay. You’ll leave with personalized steps, credit guidance, and budgeting tools to help you prepare confidently for homeownership when you’re ready.
Dive Into Our Homeownership Blogs for Deeper Insights
_2-min.webp)
