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 info@nhsbrooklyn.org. 

**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.

Buying a First Home

Down-Payment & Closing-Cost Assistance

For Clients In Contract

Landlord Training

More Info & Helpful Links

East Flatbush

2806 Church Ave.

Brooklyn, NY 11226

Canarsie

9701 Avenue L

Brooklyn, NY 11236

Phone

(718) 469-4679

Neighborhood Housing Services Brooklyn

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