
HOME OWNERSHIP CENTER
Welcome to our Homeownership Center
As a first time homebuyer, we understand that buying a home is one of the most important purchases you will make. We all have the same questions, "Where do I go?", "How can I start?"
Let us help answer those questions and provide you guidance as you embark on achieving the "American Dream."
Our Home Ownership Center provides services tailored to your specific financial needs. We assist you in discovering if homeownership is right for you.
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You can be on your way to owning your first new home by following Steps 1, 2, & 3. After these steps are completed, you will receive your certificate of completion which is valid for 1 year.
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**Note: If you have been approved for a home loan, please call us at 210-798-2394. We will direct you with your next steps. **
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To register for any of our webinars or HUD approved courses, please complete our registration form and email it to us at vgarcia@nhs-satx.org.
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Cost of Services:
**Cost can vary depending on number of borrowers**​
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$80- (Bundle- All 3 steps) cost covers webinar, one on one advising session with 1 credit report, and HUD approved course.
$45 (Borrower)-$90 (If there's a Co-Borrower)- covers cost of credit report for one on one advising session
$35- cost covers HUD approved course; in person or virtually
$100- cost covers E-Home America self-paced course
Ready to buy a home?
Step 1: "Are you Ready to Buy a Home?"
Join us in our 1-hour virtual webinar. This webinar is a brief overview of the homebuying process. You will have an opportunity to ask any questions you may have on homeownership before taking the next steps.
In our webinar you will learn:​
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The 10 steps in the homebuying process
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What is a mortgage payment?
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What other costs are associated with homeownership?
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How much home is affordable for me?
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Are there programs available to help with some costs?
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Should I buy a home or continue renting?
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What are my next steps?
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Upcoming Webinars:
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Time: 6pm-7pm
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September 10, 2025
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October 8, 2025
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November 5, 2025
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December 3, 2025
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**Note: Dates subject to change**
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Click Icon for enrollment form
Step 2: One-on-One Advising Session
Schedule a one on one advising session with our HUD Certified Housing Counselor. In your session you will discover your mortgage readiness. We will perform a financial analysis and educate you on the following topics to help you navigate through the home buying process. We will cover:
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Your estimated affordability
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Help you understand your credit and what factors are impacting you
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Develop a budget that will help you in becoming a sustainable homeowner
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Provide you with resources needed to help you purchase your home
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Develop a plan to guide you in becoming mortgage ready
Step 3: Sign up for our "First time Homebuyer Education Class"
We provide a HUD approved "First time Homebuyer Education Class". There are different options for you to consider, a virtual webinar, an in person 6- hour course or a self-pace online option through E-Home America.
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Our "First time Homebuyer Education Class" is a comprehensive course that is based on a standardized curriculum. Which touch on 6 core topics of homeownership and much more.
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Budgeting
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Credit
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Obtaining A Mortgage Loan
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Shopping for a home
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Homeowners Insurance
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Protecting your Investment
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Virtual Course
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Our virtual course is held on once a month on a Saturday. This is a full 6-hour course from 9am-3pm.
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Upcoming Virtual Course:
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Time: 9am-3pm
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August 16, 2025
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September 20, 2025
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October 18, 2025
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November 15, 2025
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December 13, 2025
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**Note: Dates are subject to change. **
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In-Person Course
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Our in person classes are held once a month on a Tuesday & Wednesday night from 6pm-9pm. Both nights are required to receive the full 6-hour credit.
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Time: 6pm - 9pm; Both nights
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August 19, 2025 & August 20, 2025
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September 23, 2025 & September 24, 2025
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October 21, 2025 & October 22, 2025
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November 18, 2025 & November 19, 2025
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December 16, 2025 & December 17, 2025
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**Note: Dates are subject to change. **
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E-Home America Course
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We provide an online self-paced course through our partnership with E-Home America. After the course is completed, you will be instructed to contact us to schedule your one-on-one advising session.
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Click Icon for enrollment form
Tips & Tools:
Contact our Home Ownership Center
For more information, you can contact us at:
Valorie Garcia
HUD Certified Housing Counselor
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