Pre-Purchase Counseling

If homeownership is your goal, we can help.  This type of education can reduce the chances you’ll get in over your head and lose your home in the future.

In your individual, confidential counseling session, you’ll be asked for details about your income and your expenses, so that we can determine how much you can afford for a monthly house payment.  Counselors at ClearPoint Credit Counseling Solutions* will also take a look at your credit report and provide feedback on how you can improve your credit.

Your counselor then will review the home-buying process as well as discuss loan options and how to avoid predatory lending. Finally, your counselor will suggest different options for federal, state and local down payment assistance programs.

Your counselor will provide advice on managing money, using credit wisely and building a savings plan. Last, your counselor will work with you to develop a budget and a personalized plan to meet your financial goals.

ClearPoint’s pre-purchase counseling will earn you a Housing Certificate.

ClearPoint Credit Counseling Solutions is a U.S. Department of Housing and Urban Development (HUD)-approved housing counseling provider.

Due to grant funding, this service is offered at no charge.

Call ClearPoint at 1.877.422.9041 to set up a pre-purchase counseling session by phone in at one of our branch locations.

Related article:

When Is The Perfect Time To Buy Your First Home?

*Formerly ByDesign Financial Solutions, Consumer Credit Counseling Service of Los Angeles, Consumer Credit Counseling Service of the Sacramento Valley, Consumer Credit Counseling Service of Central Valley and Consumer Credit Counseling Service of Mid-Counties.