Here's How The Full Cycle Lending Model Can Help You:
Home Buyer Education: We help you determine if homeownership is right for you, help you through the process of buying a home step by step, and provide support after you purchase your home. We can explain our program to you during an introductory meeting or phone conversation, or send you a package of information that explains our services. For more information about our services, please contact the Center in your region. If you decide to work with us, you complete a confidential personal profile. Next you attend one of our monthly Homebuyer Workshops. There is a small fee for a credit report and workshop materials. We work together on your home buying plan. From there you can take advantage of all our other services and programs listed below.
Credit and Budget Counseling: If you need to rebuild your credit or would like guidance on budgeting toward buying a home, we offer private financial counseling.
Financial Assistance: We help you find the most affordable home financing options, which may include help with down payment and closing costs. Our staff can help you contact the lender you choose and works with you every step of the way.
Special Lender Programs: We guide you to the resources that help you buy the most home for your money.
Home Maintenance Education: Make the most of your home and keep it in great shape by participating in on our home maintenance/repair and lawn and garden care workshops led by experts in the field.
Home Rehab Planning and Loans: We work with you to make a post inspection rehab plan to ensure you have the resources to fix any problems in your new home.
Delinquency Intervention: If you get behind in your mortgage payments, we work with you to get you back on track and in good standing.

Eligibility for HomeOwnership Center Services
You are welcome to participate in our Homebuyer Education program, even if you don't currently live or plan to buy a home in our service area. The certificate you will earn by completing our workshop is transferable to other NeighborWorks® HomeOwnership Centers across the state and country.

Everyone is welcome to use our Centers’ services regardless of income. We also offer specialized products for income-eligible households that make homes more affordable to purchase. These products include: financial assistance programs, rehab loans, Land Trust properties, and special lender programs we offer.

Eligibility for Land Trust Programs
You must be a HomeOwnership Center customer.
You have a stable source(s) of income.
You have good credit and reasonable debts.
You are within the maximum income guidelines. Minimum annual income eligibility is generally about $20,000.
(Please note that all purchases are subject to review by HOC staff.)