Homebuyers

Understanding the homebuying process is one of the most important educational opportunities in which you will invest. NID-HCA had compiled information from various resources to equip you in the homebuying process. Find out about the homebuying process, Section 8 Homeownership Program, How to Qualify for a Mortgage, Understand your Credit Report and How to Address Credit Issues, Find affordable housing units available in your area and more.


Pre-Purchase Counseling and Education

Our homebuyer education program is designed to meet the needs of persons with little or no knowledge of the home-buying process and is formatted to equip every client with the information needed to make an informed home-buying decision.

At the same time, our program is useful for clients who have some home-buying knowledge or experience. It is designed to not only teach the fundamental steps of buying a home, but also to explain the reasoning behind many decisions that must be made throughout the process.

The excellence of our counseling staff is the cornerstone of the NID-HCA counseling delivery system. Our counselors understand local, regional and national housing market trends, and use this very specialized, market-based knowledge to give our housing clients an edge over other consumers. Found in no other housing counseling program, the outstanding abilities of our counselors are a value-added benefit to our housing clients and partners.

The NID-HCA counselor teaches our clients, among other things, the importance of neighborhood and public school involvement, home repair and preventative maintenance, homeowner obligations, the “dos and don’ts” of refinancing, how to avoid loan delinquency and foreclosure, and the importance of adequately communicating with their lenders. Our pre-purchase education is offered in both group workshops and one-on-one counseling sessions.


Rental Assistance Counseling & Mobility Counseling

Enabling our clients to reach an informed rental decision, we provide market-based information best fitting their financial and social needs. Our counselors discuss mobility options (concerning whether clients should move from familiar areas to other areas better able to meet their needs) with housing clients who receive rental subsidies, and with institutional partners who are subsidy providers and public housing authorities.


Predatory Lending Counseling

NID-HCA arms its clients with knowledge that enables them to negotiate fair loan terms and to protect themselves against potential predatory lenders. For clients who feel they have been victimized by predatory lending practices, our counselors help clients investigate the validity of their concerns, and when indicated, report unlawful conduct to the appropriate authorities.

Purchasing a Home

Understanding the homebuying process is one of the most important educational opportunities in which you will invest. The NID-HCA pre-purchase counseling program will assist you in learning about the process of purchasing a home. The program will cover the process from beginning to end. The curriculum will include the advantages of renting vs. owning, the loan process, working with an agent, budgeting, fair housing laws, the closing process, home equity maintenance, preventing foreclosure, tax benefits, understanding the various loan products available, and understanding and improving your credit/mortgage score.

THE HOMEBUYING PROCESS
KNOW YOUR RIGHTS
MORTGAGE PRODUCTS & PROGRAMS
MORTGAGE ASSISTANCE PROGRAMS
GOVERNMENT PROPERTIES FOR SALE
AFFORDABLE HOUSING UNITS FOR SALE
KNOW YOUR NEIGHORHOOD

TENANTS

Pre-rental counseling will prepare you for possible rental opportunities and answer any rental related concerns you may have. It will aid you in understanding your rights as a tenant. You will be advised of your legal obligations, as well as those of your landlord. Understand your rights to the return of your deposit, discrimination issues, application fees, rights regarding rental property repairs and your available recourses, how to locate subsidized housing, how to utilize your Section 8 certificate toward a home purchase, etc.

Section 8
Rental Assistance

Affordable Housing Units Available