HomeOwnership Center Services

NHS pre-qualification counseling determines how much a family can afford to borrow when buying or renovating a home. Our counselors review income, credit, employment history, and debt. We help develop a plan and provide on-going support to overcome any problems revealed during the counseling process. NHS staff provides a toolkit of services to help people explore homeownership.

Homebuyer Training
Homebuyer training classes take participants through the steps of becoming a homeowner. Every month, NHS staff and industry professionals teach the 12-hour class to demystify the home buying process.

Financial Fitness
Financial fitness classes provide basic financial management training with an emphasis on credit management and budgeting. The 12-hour class is offered monthly.

Financial Services
Once we have helped a family become mortgage-ready, we help them apply for a loan that best suits their needs. In some circumstances NHS has been able to provide down-payment or closing costs assistance or a low-interest loan as gap financing or for the renovation of a home. We help our customers access sources of funding such as "soft second" mortgage programs or Individual Development Account (IDAs).

Voucher Homeownership
Families who receive Section 8 rental vouchers are now able to purchase a home through the Voucher Homeownership program. The program uses the same funds that would otherwise subsidize a tenant's rent, only it applies those funds to a mortgage payment instead.