After you've attended one of our
"You Can Be a Homeowner" workshops,
be sure to schedule an appointment to meet with our housing advisor. In this
confidential, personalized one-on-one session, you will:
- Review your credit report
and identify any issues to correct before you apply for your mortgage
loan
- Determine the price range
of homes that best fit your budget
- Create a household budget
that helps you save for your future home and the expenses of
homeownership
- Learn about the many
programs that are available to help you buy your home
Homebuyer
Counseling Certificates
Many mortgage and loan programs require proof of completion of homebuyer
counseling. Certificates can be issued after you have successfully completed both the
"You Can Be a Homeowner" workshop and
the one-on-one counseling session. The Hagerstown Home Store is a
HUD-certified Housing Counseling Agency.
Foreclosure & Post-Purchase
Counseling
From time to time, as a homeowner, you may run into financial difficulties
that cause you to fall behind on your mortgage payments. Our Housing
Advisor can help you communicate with your lender, assess the options
offered by your lender, and create a plan to get you back on track and
avoid foreclosure.
Fees
Buying a home in Washington County? Our services are free. However, for those who meet
one-on-one with our Housing Advisor, there is a one-time $16 credit report
fee.
Buying a home in a county other than Washington? Attend our workshop at no cost, but there is a $50 fee to meet one-on-one with our Housing Advisor, and an additional cost of $16 for a credit report.
We are a private
nonprofit agency dedicated to helping you become a homeowner. We are not
affiliated with any for-profit company, so our information is completely
objective. We're not trying to sell you anything.
