Your Homebuying Journey
Where are you in the homebuying process?
Not yet ready to buy a home or not sure where to start?
Register to attend one of our free First-Time Homebuyer Seminars for an overview of the steps to homeownership, do’s and don’ts, and available resources, including down-payment and closing-cost assistance programs for which you may be eligible. Click here for the date, time, and location of the next First-Time Homebuyer Seminar. Event full? Waitlist yourself and you'll automatically be invited to the next date.
Have you already made an offer on a property?
If you found a property, made an offer to the seller, and are either in contract or have a closing date, complete this form and a counselor will contact you.
Plan to purchase a home in the next year?
Complete the following REQUIRED steps to learn about the home-buying process, qualify for certain first-time home buyer mortgages, and determine if you are eligible for down-payment and closing-cost assistance through NHS Brooklyn.
Step 1: Submit an Application
Download and complete our Intake Form and submit it to us with all required documents and a money order for $75* made out to NHS Brooklyn. After receipt of your complete packet, a HUD-certified homeownership counselor will examine your application and contact you to set up a counseling session.
Step 2: One-on-One Counseling
Once your Intake Form, copies of documents, and money order are received and reviewed, a counselor will contact you to set up an appointment for one-on-one counseling. During the counseling session, the counselor will coach you on the home purchase process and provide you with a personalized credit and budget analysis, affordability analysis, and action plan: your step-by-step guide to achieving successful homeownership.
Step 3: Homebuyer Education Course (Homebuyers Club)
This course provides the information that every first-time home buyer should know to be an empowered, educated consumer making well-informed decisions. The course covers the following topics:
Home buyer readiness
Budget and credit
Getting a mortgage
Shopping for a home
Keeping your home and managing your finances
Courses are offered at our East Flatbush office and online:
In-person course. Contact your counselor at 718-469-4679 to register.
NEW! Online course. Register here.
Once you have received your personalized action plan from your homeownership counselor, graduated from the Homebuyer Education course, and received your Certificate of Completion, you will be a "mortgage-ready" borrower. Your counselor will then help you:
Access the most competitive mortgage quotes from our partner banks
Compare the quotes you receive to determine which is best for you
Apply for down-payment and closing-cost assistance for which you may be eligible
The certificate is valid for six months, with a subsequent six-month renewal period. After receiving the certificate, prospective homebuyer begins the path to homeownership.
Present the certificate of eligibility to a participating lender** for pre-approval on a mortgage loan.
After receiving pre-approval from a participating lender, consult a reputable real estate professional to identify an affordable home.
Hire a real estate lawyer.
Negotiate a contract of sale with a seller.
* If paying this fee would be a hardship, please email email@example.com.
**Your counselor will share our list of participating lenders with you during one-on-one counseling. If you have been pre-qualified for a mortgage but have not yet begun counseling with us, please contact us to see if the lender that pre-qualified you for a mortgage is one of our partners.