HOUSING COUNSELING
Empowering your life-long financial stability
Introducing Your First Step to Homeownership
Buying a home is probably the biggest, most expensive purchase you will ever make. Educating yourself before you become a homeowner can help you get the best home for your money. The Make Your Move... A Guide to Homeownership course will help you understand the terms used in the home-buying process and walk you step-by-step through your new journey.
Housing Counseling in Dallas, TX
Online Housing Class
If you have the desire to live in your dream home but are dealing with poor credit issues, FHCCS certified coaches can help. Our experts are well versed in the process of buying a home and can simplify it for you. The coaches of FHCCS are HUD certified and are ready and willing to provide you with all the information you need. Allow our counselors to get you mortgage ready and assist with saving and budgeting.
You will receive assistance in regards to dealing with credit bureaus and learn all about the team necessary to place you in your dream home. You'll have a thorough understanding of lenders, insurers, realtors, inspectors, appraisers, your title company, and more. You don't have to go it alone determining a plan of action to start living in a new home. Your counselor will make sure that you are well equipped with knowledge and will serve as a guide through the whole process.
NOTE: Classes are $35 per person and require registration. Class fee may be waived for eligible individuals based on level of income. Call us at 1-800-249-2227 to learn more.
Foreclosure
Falling behind on your mortgage payments doesn't mean you have to deal with it alone. FHCCS counselors have helped thousands of families keep their homes and are ready to help you too. Our goal is to help you keep your home and all options available to you will be explored with our certified coaches. We will also present soft landing options if necessary such as, short-sale and deed-in-lieu.
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Loan modification
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Repayment programs
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Forbearance
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Refinancing
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The Making Home Affordable Program
No matter how your situation appears at the outset, our counselors will work with you to create a solution.
Reverse Mortgage
This option allows you to pay for only the property taxes and homeowner's insurance while incurring no monthly mortgage payments. Typically an option for an older homeowner, this allows you to keep your home while drawing equity from it. This is also known as a Home Equity Conversion Mortgage (HECM).
We can help inform you of the cost of this option and exactly how the process works, so you can make an educated decision. Our staff is open to discussing this type of loan with you and if it suits your situation.
Rental
Allow us to help you simplify the process of renting so you can transition with ease. Our staff will review a pre-rental checklist with you to ensure necessary details are taken care of.
We will assist you with:
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Necessary actions to take
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Protections available to tenants
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Evaluating landlords and properties
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Deposit requirements
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Understanding the costs
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Ensuring the rental property meets your needs
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Interpreting lease agreements
This list isn't all inclusive or exhaustive of the many actions we can assist you with regarding rental. Begin renting with expertise, insight, and a clear path.
Post Purchase
Allow us to to insure that the experience in your home will be enjoyable and well-planned. In the midst of unexpected situations and expenses surfacing, we can help.
We have skilled experts that will assist you with
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Budget review
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Insurance
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Tax costs
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Home maintenance
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Decor
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Determining your new commute
Coaches at FHCCS are prepared to help you ensure that your home surroundings are stable and gratifying. A lot of stress can be relieved knowing that you have a solid plan on how to maintain the expenses of your home going forward.