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Our Homebuyer's Program

Intimidating to nearly everyone, the homebuying process seems impossible to millions of low and moderate income Americans. ACORN Housing's mortgage counseling program eases the difficulty of buying a home for those with low incomes - we've helped over 50,000 families to achieve their dreams of homeownership since 1986. We have also assisted hundreds of existing homeowners to avoid foreclosure and preserve their homes-including victims of predatory lending and others who've faced serious and unexpected financial hardships.

ACORN Housing Counselors make the homebuying process more accessible to first-time buyers. Instead of having to approach bankers or contend with brokers, first-time homebuyers can meet our counselors in the local ACORN Housing office to pre-qualify for a mortgage. If you have credit problems, you'll learn ways to resolve them. If you don't qualify for the program right away, you can attend our free Budget and Credit Seminar for additional help with financial management.

Counseling

As a community-based, non-profit housing counseling agency we're here to help you choose the loan option that's best for you. ACORN Housing's loan counseling program is HUD certified and our services are free of charge.

As a community-based, non-profit housing counseling agency we're here to help you choose the loan option that's best for you. ACORN Housing's loan counseling program is HUD certified and our services are free of charge.

We provide pre-purchase counseling for low to moderate income homebuyers. See HUD Income limits for your area to see if you are eligible.

We look at your savings and credit history to see if you qualify for a mortgage. We can help you with credit problems and to create a downpayment savings plan. When you qualify, we can help arrange a mortgage with lower interest rates, lower down payments and lower settlement costs than what banks usually offer.

Mortgage Programs

Through ACORN Housing, homebuyers can gain access to mortgage programs with lower interest rates, lower down payments, flexible underwriting guidelines and lower origination fees. With AHC, you can refinance for better terms through the innovative agreements we've formed with lenders.

With AHC you get:

• Lower down payments and closing costs.
• No Private Mortage Insurance.
• Banks generally require 3 months of mortgage payments in the bank at settlement.
• With our program, they don't, which allows you to buy a home sooner.
• Most banks won't count public assistance or voluntarily child support in determining if you'll qualify for a mortgage.
• With our program, all steady income counts.

Can We Help You?
Please continue on with our four step Counseling program listed below to learn more about AHC homebuying services available to you.

Our Four Steps to Homeownership are:

1. Intake Appointment


2. One-on-One Appointment


3. Homebuyer Seminar


4. Pre-Approval

Intake Appointment -