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Pre-purchase Counseling (One-on-One Counseling)

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About Course

Clients will receive personalized, ongoing counseling from ULRV’s HUD-certified housing counselors, ensuring a smooth transition to homeownership.

Key Counseling Steps:

  1. Intake & Needs Assessment – Setting homeownership goals and reviewing client documents
  2. Budgeting & Credit Review – Developing a savings plan and improving credit scores
  3. Mortgage Pre-Qualification – Connecting clients with trusted lenders
  4. Home Shopping & Offer Negotiation – Partnering with realtors for a smooth experience
  5. Mortgage Approval & Closing Prep – Ensuring clients meet all lender requirements
  6. Post-Purchase Support – Follow-up counseling to ensure homeownership success

Supporting Document Checklist (Clients Must Provide):

  • Bank Statements (last 60 days)
  • Proof of Income (pay stubs, tax returns)
  • Credit Report
  • Valid Driver’s License or State ID
  • Bankruptcy Documents (if applicable)
  • Alimony & Child Support Documentation (if applicable)
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Course Content

Orientation (Intake and Needs Assessment)

Review of Income, Expense, and Household Debt and Credit

Pre-Qualify for a Mortgage Loan (Mortgage Readiness)

Mortgage Approval Process

Down Payment and Closing Costs Assistance Programs
Lesson: Understanding Down Payment & Closing Costs Types of down payment assistance programs Grants, loans, and first-time homebuyer incentives 📌 Assignment: Identify Available Assistance Programs Clients explore and select applicable programs 📌 Quiz: Closing Cost & Down Payment Assistance Check

Home Shopping & Making an Offer
Lesson: Finding & Choosing the Right Home Working with real estate agents What to look for in a home Making an offer & negotiations 📌 Assignment: Home Shopping Checklist 📌 Quiz: What to Ask Your Realtor

Preparing for Closing (Homebuyer Closing Checklist)
Lesson: Understanding Closing Costs & Legal Documents Closing disclosures & loan terms Home inspections & insurance Finalizing the home purchase 📌 Assignment: Home Purchase Readiness Checklist 📌 Quiz: Closing Day Essentials 📌 Lesson: Request Your Counselor to Attend Your Closing Clients can request a ULRV housing counselor to assist them at closing 📌 Assignment: Closing Appointment Request Form

Post-Purchase Counseling & Follow-Up Support
Lesson: Managing Your Mortgage & Home Expenses Budgeting for homeownership Avoiding foreclosure risks Home maintenance & financial planning 📌 Assignment: Post-Purchase Action Plan 📌 Final Quiz: Homeownership Confidence Check 📌 Lesson: Post-Purchase Follow-Up 30-day check-in: Reviewing amortization schedule & mortgage payment process Identifying post-purchase financial concerns 📌 Assignment: Schedule Post-Purchase Check-In

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