Home Ownership Counseling
One-on-one Home Ownership Counseling with a Housing Counselor
With Homeownership Counseling, we can help you reach your home buying goals by providing comprehensive, individualized budget and credit counseling and personalized work plans. At your first appointment, we will review and discuss your financial documents like bank statements, pay stubs, and tax returns, then pull and discuss your tri-merge credit report from all three credit bureaus, which include your FICO score. You will then prepare a budget and develop an action plan to help you meet your goal of becoming a homeowner. Counseling will help you address and remove barriers to homeownership.
There is a one-time enrollment fee for Homeownership Counseling. Credit report fees are charged each time a new credit report is obtained. If you are inactive for 1 year, you will be required to re-apply and will be assessed a new fee.
Pay Your Fee
$20,000 or less
- If your annual income is between $0 and $20,000 OR your current hourly rate for a full-time job is between $0 and $9.59, select this option from the choices below.
$20,001 – $25,000
- If your annual income is between $20,001 and $25,000 OR your current hourly rate for a full-time job is between $9.62 and $11.99, select this option from the choices above.
$25,001 – $30,000
- If your annual income is between $25,001 and $30,000 OR your current hourly rate for a full-time job is between $12.02 and $14.38, select this option from the choices above.
$30,001 – $40,000
- If your annual income is between $30,001 and $40,000 OR your current hourly rate for a full-time job is between $14.42 and $19.18, select this option from the choices above.
$40,001 – $48,550
- If your annual income is between $40,001 and $48,550 OR your current hourly rate for a full-time job is between $19.23 and $23.34, select this option from the choices above.
$48,550 and up
- If your annual income is above $48,550 OR your current hourly rate for a full-time job is $23.35 or above, select this option from the choices above.
Budget and Credit Counseling helps families with financial planning and budgeting techniques and teaches how to recognize and avoid predatory lending. Other areas covered in this program include analyzing spending habits, reducing existing debt, and developing savings strategies.
Counselors also assist clients in understanding and improving credit scores. Improving credit ratings eliminates a major barrier to finding suitable housing and getting better mortgage rates. A credit report is required for all budget and credit counseling clients. Please enter the appropriate payment value for the housing classes in the payment portal here:
Program Fees & Services
The Louisville Urban League can make accommodations to ensure that impairments are not a barrier to services. Please let us know. We are at your service.
