Pre-purchase Counseling

Join us for a Pre-Purchase Workshop

CCCSMD’s certified housing Financial Advocates help you understand the home buying process and prepare for homeownership. To get started, register for either a group workshop or the online course. Then you’ll meet with a Financial Advocate for a one-on-one discussion of your unique financial situation and develop an action plan for the home buying process. Together the workshop/online course and one-on-one counseling may qualify you for a number of downpayment, closing cost, and affordable mortgage assistance.

Attend one of CCCSMD’s HUD-approved workshops for first-time homebuyers to learn how to shop for a house, review budget considerations, mortgages, down payments, and other things you need to know for successful (and less stressful!) homeownership. Workshop fees may be covered by your lender. Florida downpayment assistance programs require workshop attendance.

Pre-Purchase Online Course: eHome America

Through CCCSMD, you can take an online course that will show you how to shop for a home, get a mortgage loan, and maintain your new home. The online platform gives you the opportunity to complete the course at your convenience. The charge for the online course is $125.00, to be paid when you register.

Please note, if you’re applying for federal, state, or local down payment assistance, courses can only be done with certain agencies and may require additional counseling. Make certain before enrolling in this course that you are aware of your program’s requirements.

Pre-Purchase One-on-One Counseling

After completing an in-person workshop or online course, you will need to schedule a one-on-one counseling session to fulfill the housing counseling requirement for most down payment and closing cost assistance programs. Our Financial Advocates meet with you to develop your home buying plan. We talk with you about what you can afford, budgeting, saving, and your mortgage options. We can help you review your credit report and look at possibilities to resolve credit issues that could affect getting a loan. To make an appointment, please call 1-866-731-8486.