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Please read the below descriptions of the programs we offer, then select the ones you’re interested in, scroll down to the bottom of the webpage, check the box to consent, click on Continue, and create your free account to access our services.

 PrePurchase Program

NOTE: only select this program if you have a credit score of 640 and at least $3000 in savings. The Pre-Purchase Program includes two components: an 8-hour HUD-approved course and a one-on-one counseling appointment. You must complete a HUD-Approved Course before attending the one-on-one counseling appointment.

[ZOOM COURSE] Check this box to sign up for our HUD-approved homebuyer education class (currently taught on Zoom).

[PREPURCHASE COUNSELING APPOINTMENT] Check this box to sign up for a one-on-one appointment. NOTE: You will only be able to schedule an appointment after you’ve completed the HUD-approved class (can be completed at NHS or any other HUD-approved counseling agency).

[SELF-PACED ONLINE COURSE] Check this box if you prefer to take your HUD-approved homebuyer education class as a self-paced online course through eHome America.

 Financial Coaching

Financial Coaching is designed for individuals with credit scores under 640 and/or less than $3000 in savings. Your coach will meet with you on a monthly basis to improve your finances until you are ready to transition to the Pre-purchase Program and buy a home.

[FINANCIAL COACHING APPOINTMENT] Check this box to sign up for an initial financial coaching appointment.

 NHS Mortgage Loans

This program will be available to customers who have already completed homebuyer education and a one-on-one appointment.

[FIRST MORTGAGE] Apply for a mortgage with NHS Baltimore.

[NHS DOWN PAYMENT ASSISTANCE] Only select this option if you have ALREADY COMPLETED the education, counseling, signed contract, and pre-approval from lender letter.

 Existing Homeowner Services (Rapid Rehab loans)

Use this loan to cover renovation projects, energy-efficient repairs OR to cover costly improvements such as new roof, furnace, electric or plumbing.

[RAPID REHAB LOAN] Check this box to apply for a rapid rehab loan. You must have a minimum credit score of 680. If you do not have a credit score of 680, you can sign up for Financial Coaching.

 Consent to Receive Documents Electronically

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