Pre-Purchase Housing Services
As an approved HUD housing counseling agency, ACCC provides pre-purchase housing counseling sessions and workshops to consumers. Our goal is to facilitate personal economic empowerment and community stability through homeownership and/or home management. ACCC provides consumers access to information, resources, and tools that help them achieve their housing goals.
Pre-purchase counseling addresses issues that may prevent or delay affordable mortgage financing, while offering specific steps to help clients achieve homeownership. Additionally the counseling session also helps consumers understand how to avoid potential problems that may impact their future home stability.
The counseling session includes an in-depth review of a consumer’s financial profile, which consists of income, expenses, debt and credit, with a personalized plan that illustrates current affordability. The session will also include how to save for a down payment and how to review and manage their credit reports that are vital in the home buying process. The counselor will also review the requirements of home buying programs, pros and cons of various types of loans, and predatory lending.