While you are completing the training classes, resolving credit issues and progressing towards your savings goal, your counselor will help you plan your financing strategy. As an NHS customer, you may be eligible for a variety of special programs which are designed to help ease the costs of homeownership. Examples of these special programs include:

• Specialty assistance programs for various professions (teachers, first-responders, etc.) when available
• Matching funds through Individual Development Account programs
• USDA home loan and repair programs.

We Prepare You to Work with a Lender

Next to finding the right house, working with a lender to finance your home is the most important step in the home buying process. If you are not prepared, you may be denied financing. In order to help you prevent the hassle and heartache of loan denial, our staff will help you to prepare for the lending process. Through financial planning, credit counseling and debt management, we will help you to meet the credit and financial criteria specified by today's lending standards. Although we cannot guarantee loan approval, we are committed to working with you to help overcome the obstacles that prevent you from becoming mortgage ready and provide you with a realistic expectation of the maximum loan you are likely to be qualified to obtain. We will even help you to gather the documentation necessary for completion of a residential mortgage loan application.

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