How to get started?

Pre-Purchase / First Time Homebuyer Counseling

• Intended for consumers planning on buying a home and interested in understanding more about the process.
• Includes a complete review of the homebuyers’ current finances and an overview of the costs and considerations that come with owning a home.
• The fee is $179.*

High-Cost Loan Counseling

• Intended for consumers closing on a “high-cost” mortgage. The Home Ownership and Equity Protection Act (HOEPA) defines high-cost mortgages as loans where the annual percentage rate (APR) is substantially higher than the average prime rate offer for similar mortgages.
• HOEPA requires that consumers receive homebuyer counseling to understand the costs and other implications of such a loan before the loan can be closed.
• The fee is $189.

* We’re committed to making Housing Counseling Accessible for Ohio residents of Montgomery, Miami, and Greene Counties. The HomeOwnership Center has worked with donors, foundations and local organizations to reduce barriers to accessing our certified housing counselors.  After completing your intake paperwork, we’ll let you know if your household qualifies for a reduced cost.  Reduced cost housing counseling will range from the cost of a tri-merge credit report ($35.00/individual) to $99. Fees are due at the time of scheduling your appointment.  Please review the client services agreement in the client portal or paper application packet to see the HomeOwnership Center’s rescheduling policy.

While our funding has changed, our commitment has not. We remain dedicated to providing trusted, unbiased, and confidential housing counseling that puts your goals first.