Homebuyer Counseling 

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Our experienced housing counselors provide personalized, one-on-one guidance to help you confidently prepare for homeownership. Each session is tailored to your financial situation and long-term goals, giving you the tools and clarity needed to move forward.

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What we’ll cover in your counseling session:

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• Assess how much home you can comfortably afford

• Strengthen your credit and develop a plan to reduce debt

• Create a realistic budget and build sustainable savings habits

• Prepare to become mortgage-ready

• Map out clear next steps toward achieving homeownership

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Counseling appointments are available at your convenience during regular business hours and typically last 60–90 minutes, depending on your individual needs. Sessions can be conducted via video call, by phone, or in person.

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To get started, you will complete a counseling intake packet and provide documentation needed for a full financial assessment. While counseling services are offered at no cost, NHSSA charges a $75 fee per borrower to obtain a comprehensive credit report from the three major credit bureaus. This “soft inquiry” does not affect your credit score.

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We’re here to support you every step of the way on your journey to homeownership. Contact us today to schedule your counseling session and take the first step toward achieving your goal of owning a home.

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Contact our Home Ownership Center 

For more information, you can contact us at:

Valorie Garcia

HUD Certified Housing Counselor

(210) 798-2394

vgarcia@nhs-satx.org

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