Education to become a prepared home buyer – Educación para prepararse para comprar su casa.
Buying a home is for most people, the biggest investment of their lives. The process of buying a home is challenging. You should get prepared for the challenges. You may have many questions. Should I use a Real Estate agent? Can I buy a home directly from an owner? How much should I have for down payment? What about closing costs? What do I need to qualify for a mortgage loan? What type of mortgage should I apply for? How can I be sure that I am taking the right steps? There are many other questions that you may need answers for. We, at ACCI, can help. If you want to schedule an appointment with one of our certified housing counselors, complete forms 2 and 3 and mail them to us at once. To find the forms, visit our “Download Forms” page .
If you want to schedule an appointment, please download the forms that we will need for your visit (forms 2 ), complete the package and mail it to us right away. We will contact you as soon as we receive your package.
Our new home buyer’s program is designed to prepare individuals to become successful homeowners. The program consists of one or more sessions depending on the particular needs of the client. When you complete our program, you will have enough knowledge to make the best decision for yourself and your family. Better than anything, you will have the confidence to chose the right home for you and your family, one that you will be able to keep as long as you want to.
For some clients, their main problem is their credit. In that case, we should begin with a session to analyze the person’s credit report and design a plan to improve it. For other clients, because they are already about to close on the purchase of their home or because they cannot commit themselves to more than one session of counseling, we go straight to the Pre-purchase or the Pre-closing session. The Pre-closing session requires that your mortgage lender has a loan commitment for you and produces a document stating so and a form called PHFA-63, which will specify the PHFA mortgage loan that you have your commitment for. PHFA also requires that we obtain a copies of some documents from you.
The Home Buyer’s Pre-purchase counseling session covers topics related to buying and caring for the home and the responsibilities of a home-owner. It will be the second session for those for whom we do a session to analyze and improve credits first. The Pre-Closing session also has a number of topics to cover. At the end of the Home Buyer’s Pre-purchase counseling or the Pre-Closing session, the person qualifies for a Certificate.
The Home Buyer’s Certificate is required to qualify for a number of mortgage loans and some grants or “mortgage credits”. Among them are: some PHFA mortgage loans, some FHA mortgage loans, and the First Front Door grant programs.
If you need more information, go to our “ACCI Services” at the top of this page and click on “Are You Considering Buying a Home?” from the list. If you want to book an appointment with one of our Certified Housing Counselors, please go to our “Download Forms” page and download form 2 or call us at 484-427-2229. You can also send us an email to [email protected].
Buying a home is a complex and challenging process. If you are planning to buy a home within 6 months or so and want to learn about the process, or would like to improve your credit score to qualify for a better mortgage loan, you should contact us.
NOTE: If you need a certificate to be approved for a mortgage loan or a grant, please contact us at 484-427-2229 or use our Contact ACCI page to email us your information. For more information or obtain the forms, go to our “Download Forms” page. You will need to print and complete our client’s questionnaire.
Each one of our one-on-one programs is an educational course prepared for each specific client based on the information he/she gives us. Therefore, we require a number of documents and a specific form or forms completed.
If you send us an email, expect a reply from our Program Manager, Mildred Soto-Ewing, within 24 to 72 hours. If you do not receive our email within 72 hours, please check your junk mail or call us at 484-427-2229 or our schedulers main number 888-212-6741. If you send a text, please use 267-401-0414 and include your name and email address.
IF YOU ARE ALREADY BUYING A HOUSE AND HAVE AN ESTIMATED CLOSING DATE, PLEASE ANNOTATE THE DATE OF THE CLOSING when you email or text us.
Nuestro Nuevo programa de certificación para la compra de vivienda es un programa educativo diseñado para que se prepare mejor para comprar su casa.
Cada meta comienza con un sueño, pero se necesita dedicación y esfuerzo para hacer una meta una realidad. En este momento estamos ofreciendo los seminarios educativos gratis en nuestra oficina de Norristown localizada en el 603 de la calle Swede. La oficina es fácilmente accessible por transportación pública y hay estacionamiento en la calle, frente a la oficina, y un par de espacios en la parte de atrás del edificio. Si una de sus metas es ser dueño de su casa, complete y envíenos la forma que encontrará al final de esta página. Puede añadir información adicional en el espacio para mensaje.
Para preguntas adicionales, envíe un correo electrónico a Mildred Soto a: [email protected] o llámenos at (en Español) al 484-427-2229.
Para comunicarse con nosotros para algún otro tipo de servicio, puede enviarnos un mensaje usando esta forma o desde nuestra página Contact ACCI.