It can be exciting to buy a house, but also overwhelming. But it doesn't have be overwhelming. The HUD-approved housing counseling agency is available to help you every step of the process. They can provide information and answers about every step in your home purchase. Your housing counselor will give you the information and confidence to make the right decisions on the way to making that big move.

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1 Sharpen your Financial Focus, Roll and Moulton (2016)
2 Urban Institute

HUD First Time Home Buyer Grant

The Road To Responsible, Sustainable Homeownership

It doesn't mean you have to do it all alone. A HUD-approved housing counselor offers impartial, experienced support for every step of the homebuying process.

	STEP 1 Reach out to your local HUD-approved housing counseling agency Just a click or call away to find the closest HUD-approved housing counseling agency.
	STEP 2 Find out how much you can afford You can find out if you are ready to purchase a new home right now or what you need do to get there. - Get a close look at your financial picture Learn how to improve your credit score. - Make a budget that is realistic and takes into consideration the cost of buying a home
	STEP 3 Get ready for the purchase There is a lot you need to know, and much to do. But knowledge is power. Step by step, your HUD-approved housing counselor can guide you. Soon you will be able to understand the steps involved in making your mortgage process successful. - Different types and types of mortgages What you need to know about mortgage terms Prequalification vs. pre-approval: What is the difference? - Home appraisals - How to apply for a loan Understanding down payments
	STEP 4 Shopping for a New Home This is where the fun begins! Before you visit open houses, it is important to understand what you should be shopping for. There are many options available and many things to consider. Target price range - The location of your home - Which type of home is right for you? - How to weigh your wants versus your needs
	STEP 5 How to Close a Successfully You've been waiting, but this is the moment you need. There are many things you should do before you sign the dotted line. Your HUD-approved housing counselor can make sure that you are fully prepared for the big day. Closing: What can you expect? - All documents and paperwork required - Payment of the down payment and closing expenses

HUD First Time Home Buyer Grant

Are You Thinking of Buying a Home? The HUD can help!

Learn the steps involved in homebuying. Why consult a HUD-certified housing counselor first? Call Jason Whigham at (916)-413-3967 and get your questions answered Your Los Angeles Mortgage Brokers.

Sacramento first time home buyer — first time buyer

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