Housing education and counseling overview
Pre-purchase programs are aimed at individuals and families who are considering homeownership or in the process of buying a home, and may be structured as group education courses, one-on-one counseling or (both) and can be conducted in person, online, or by phone. Sessions may cover a variety of topics, including assessing a prospective buyer’s readiness to purchase a home, determining the appropriate mortgage product and avoiding scams, and preparing for the ongoing financial obligations of homeownership. Completion of a pre-purchase education or counseling program is a common prerequisite for most local, state, and federal homeownership programs. Post-purchase programs work with existing homeowners and address issues such as refinancing options, home maintenance requirements, management of any rental units (applies to 2-4 unit properties), and budgeting. Both types are typically conducted by HUD-certified housing counselors.
Local department of housing and community development