HUD-Certified Housing Counselors are your trusted, independent advisors that guide you toward housing stability and financial empowerment.
Pre-Purchase counseling guides and educates families and individuals on improving their long-term housing stability and financial well-being.
Clients will participate in specially tailored counseling sessions and/or free virtual Financial Readiness workshops geared towards helping you reach your financial and housing goals.
Complete the Enrollment Application using the following link.
Application Fees are non-refundable and depend on the individuals that plan to be named on a home loan.
Applicants will submit their fee payment information with the Authorizations & Disclosures in #2.
Application processing can take up to 2 business days depending on volume of applications. Once your application has been processed, you will be notified via email from education@prosperitycdc.org
Within 2 business days from the submission of a Full Application consisting of steps 1-3 below, you will receive an email from education@prosperitycdc.org to schedule your counseling appointment. Appointments will not be granted until Steps 1-3 are all completed including the successful processing of the application fee.
Complete the Authorizations & Disclosures
Submit the REQUESTED DOCUMENTS using the following link. Please complete at the same time as, or within 48 hours of, the Enrollment Application and/or Disclosures submissions.
Other methods of submission are as follows:
** These documents are required, however, they can be provided prior to the scheduled counseling session if not readily available at the time of the application.
Homeownership Counseling guides and educates families on obtaining and maintaining homeownership in compliance with Fair Housing & Fair Lending Laws.
The client-counselor one-on-one partnership involves a collective, in-depth assessment of the following:
Based on the information provided by the applicants, counselors will evaluate and advise on the best loan products, possible down payment assistance eligibility and best long-term sustainability habits.
Prosperity neither approves nor denies receipt of Loan Products or Down Payment Assistance, however will assess clients for eligibility based on the rules and regulations of the various programs, including but not limited to:
One-on-one assessments are a requirement for most down payment and lender programs. The quantity and length of sessions are determined on a case by case situation.