HUD-certified Housing Counseling

Pre-purchase housing counseling offers specific guidance tailored to your needs as an individual or family to overcome particular obstacles or address specific concerns in the homebuying process. It could also include referrals to down payment assistance programs, housing industry professionals, and the review of various aspects of your purchasing and financing process.

At this time we are offering our HUD-certified housing counseling through one-on-one housing counseling telephone sessions only. This page will be updated to reflect when face-to-face counseling sessions have resumed.

Preparing for your Appointment

At least 3 business days before your appointment date you will need to complete these steps:

  1. Collect and submit the required documents listed below
  2. Pay a fee for Frameworks CDC to obtain a tri-merge credit report

The documents we ask for are the same documents banks ask for. This information will help us determine whether you are mortgage-ready or in need of an action plan to help you get there.

Step 1. Collect and Submit Documents

The following documents must be obtained and sent to Frameworks CDC no later than 3 business days before your appointment. You can email the documents to us at info@frameworkscdc.org or deliver them to our office.

Required Documents

  • Social Security Card
  • Picture Identification Document
    • Examples: driver’s license, residency card, passport, etc.
  • Proof of Income
    • 1 full month of recent pay stubs or other source of income
    • Examples: court order for child support, proof of child support payments or disability payments, etc.
  • Bank Statements
    • 1 full month of recent bank statements
    • Checking and savings accounts
    • All institutions and all accounts
  • Other Income
    • Most recent statements
    • Examples: 401K, IRA, Keogh, retirement, pension fund accounts, etc.
  • Tax Returns
    • 1 most recent year filed tax return and all W-2s
    • If self-employed:
      • 2 most recent years filed tax returns, including all applicable schedules and W-9s
      • Most recent quarterly profit and loss report
  • Complete Budget and Disclosures
  • Loan Estimate and Signed Purchase Contract
    • If you are approved for a loan and you have signed a contract to purchase a home

Step 2. Pay the Credit Report Fee

A credit report fee must be paid no later than 3 business days before your appointment.

In addition to the required documents, A credit report is required for the pre-purchase housing counseling appointment. Our third party intermediary charges a fee for the report and Frameworks CDC passes this fee onto the client. The report includes scores and account history from all 3 credit bureaus.

Your credit report will be “pulled” by Frameworks CDC when we receive confirmation of your payment from PayPal. The retrieval of this report is considered a “soft inquiry”. You will receive a copy of the credit report during the week of your housing counseling appointment.

The fee to obtain a credit report for an individual is $34.66.

The fee to obtain a credit report for couples and families is $68.82.

Credit reports are only available for Frameworks CDC clients participating in our Homebuyer Education and Counseling services.

Please use the appropriate button below to submit your payment of the credit report fee.

Please Note: If you are working with a Lender, the lenders credit report may be provided to us as an alternative, however the report MUST meet the following criteria: includes all 3 credit bureaus, has all 3 scores plus account history and the report is not older than 90 days from the date generated. Please let us know when scheduling your appointment if you will be providing a lenders credit report.

Credit Report for Individuals : $34.66

Buy Now button

Credit Report for Couples: $68.82

Buy Now button

Additional Information

Out of respect for all potential participants and due to the high volume of registrants for our classes, Frameworks CDC maintains a “three strikes” policy.  This pertains to both class registrations and/or one-on-one counseling sessions, either face-to-face or phone counseling.  Once you have cancelled/postponed your attendance for the third time, Frameworks CDC will not reschedule you for a class or appointment for a fourth time and you will not receive the Certificate of Completion for our program.