Pre-purchase housing counseling offers specific guidance tailored to your needs as an individual 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.
Our HUD-certified housing counseling is delivered to individuals through face-to-face meetings but can take place over the phone as well. Until further notice, all housing counseling will be delivered over the phone.
Before your appointment, you will need to collect a series of documents. The documents we ask for are the same documents banks ask for, so this will help us determine whether you are mortgage-ready or in need of an action plan to help you get there.
Please email the following documents to info@frameworkscdc.org no later than 3 business days prior to your telephone Housing Counseling appointment:
- Picture identification document (i.e. Driver’s License, Residency card, Passport, etc.)
- Social Security Card
- 1 Month most recent pay stubs OR source of income. Examples: court order for child support, proof of child support payments through the county, and most recent statement from disability
- 1 Month most recent Bank Statements from all institutions, all pages (checking & savings accounts)
- Copies of the most recent statements for 401K, IRA, Keogh, retirement, and pension fund accounts
- Most Recent Year Filed Tax returns and all W-2s
- If self-employed:
- 2 Most Recent Years Filed Tax returns, include all schedules and all W-9s, as applicable
- Most recent quarterly profit and loss report
- Complete Budget and Disclosures that will be emailed to you closer to your appointment
- Loan Estimate and Signed Purchase Contract – If are approved for a loan & you have signed a contract to purchase a home
In addition to the above documents, Frameworks CDC requires a tri-merge credit report for the appointment. The third party intermediary charges a fee, which is included in the cost of the credit report. For individuals, the fee, if paying with credit/debit card, is $30.53. For couples, the fee is $61.07.
Credit Report for Individual : $30.53

Credit Report for Couples: $61.07

NOTE: You will purchase your credit report no later than 3 business days in advance of the counseling appointment. Your actual credit report will be “pulled” by the Frameworks CDC on the day of your telephone housing counseling appointment. You will receive a copy of this credit report the day of your telephone Housing Counseling appointment.
Credit reports are only available for Frameworks CDC clients participating in our Homebuyer Education & Counseling services.
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.
We thank you in advance for your interest in our program.
