Housing Assistance - Home Buyer Program

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AHA assists any first-time home buyer to determine their mortgage readiness and understand the home buying process by providing group workshops and one-on-one home buying counseling.

Home Buyer Programs

AHA assists any first-time home buyer to determine their mortgage readiness and understand the home buying process by providing group workshops and one-on-one home buying counseling.

Pre Purchase Homebuyer Counseling

AHA strongly recommends that you meet with a housing counselor for personal individualized assistance with deterring your mortgage readiness. Our counselors will help by reviewing credit reports, budget development, provide credit rebuilding strategies, step by step action plans and encouraging support throughout the counseling process.

Individual Development Account (IDA) - An Individualized Development Account, or IDA, is a matching savings account program. For every dollar that you deposit into the account, you will receive one or two additional dollars. IDA participants must save for a minimum of 12 months before they can withdraw the funds, and funds can only be used toward the purchase of a home. Acceptable uses of IDA funds include: Down payment, title insurance, Settlement fees, Inspection fees, Closing costs, Attorney fees, appraisal fees, Acquisition costs, Mortgage insurance (as part of closing costs).

Call 732-389-2958 for more information or visit our website www.housingall.org.

Home Buyer Educational Workshops

The home buyer workshop is a HUD certified workshop that provides firsthand information from housing professionals. Participants will be provided the steps of the home buying process, their home buying team, and information on programs available to them. Home Buyer’s Educational Workshop are for mortgage ready (credit worthy) and ready to move forward with the purchase of a home within 60 - 90 days of completing this workshop.

Financial Literacy Workshop

The Financial Literacy Training provides five in depth classes on Basic Banking, Credit, Budgeting, Identity Theft, and Understanding Insurance. Basic Banking provides information on different accounts that people can open and the benefits of these accounts. Credit is an in depth look of what is credit, how to attain good credit, and fix credit. Budgeting provides resourceful information on budgeting tools for the client as well as the household. Identity Theft illustrates the importance of keeping track of finances, what to do when you are a victim of ID Theft and different ways of ID Theft. Understand Insurance provides information on different insurances available to homeowners, what to look for when shopping for insurance and the importance of insurance.

Call 732-389-2958 for more information or visit our website www.housingall.org.