Housing Counseling

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

Get the most out of your follow-up appointment by bringing as much of the following information as you can:

  • Photo ID
  • Tax Returns and W-2's from the last two years
  • One month paystubs
  • Bank statement
  • Credit card statements
  • Monthly expenses
  • A recent Credit Report (We can pull one for a fee, or you can get a free credit report by calling 877-322-8228, or go to www.annualcreditreport.com )

Click here for a checklist.

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 available to you, and create a plan to get you back on track and avoid foreclosure.

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 credit report fee. (See below.)

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 for a credit report ($17 for an individual, $30 for a couple, as of July 1, 2016, subject to change).

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.

Hagerstown Home Store
21 East Franklin Street
Hagerstown, MD 21740
PHONE: (301) 797-0900





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