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.
Before you come into the appointment, you’ll need to collect a series of documents. The documents we ask for are the same ones 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 have the following documents ready for your appointment:
- Identification (i.e. Driver’s License, Residency card, Passport, etc.)
- Social Security Card
- Paystubs or Source of Income (Most recent month)
- Bank Statements (Most recent month)
- Filed Tax Return and W2s (Most recent year)
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 Frameworks then passes onto the client. For individuals, the fee, if paying with credit/debit card, is $24.52. For couples, the fee is $48.12.
To respect all potential participants, if you reschedule/postpone your counseling appointment more than three times, you will no longer be allowed to schedule an appointment and will therefore not receive the Certificate of Completion for our program.
We thank you in advance for your interest in our program and your collaboration.