Homeownership Counseling

Our HUD-certified counselors help you understand the home buying process and prepare for the responsibilities of homeownership.

Who should consider Homeownership counseling?

  • First-time home owners
  • Borrowers who need homeowner education certificates to qualify for a loan
  • Borrowers who want to qualify for local and state home-buying incentives and grants
  • Individuals looking to become more educated about homeownership

Homeownership counseling addresses the following topics:

  • Buyer readiness
  • Managing your money
  • Understanding credit
  • Getting a mortgage loan
  • Shopping for a home
  • Keeping your home and managing your finances

To get started register for either a group workshop or the online course. Then, you’ll meet with a counselor one-on-one for a more in-depth discussion about your unique home-buying experience. After completing both steps you’ll receive a Homeownership Certificate.

Group Workshops

Fee: $100

St. Ambrose offers group workshops for first-time home-buyers who are seeking to purchase a home and learn more about grants and incentives offered by city and state programs. The group workshop offers 6 hours of the required 8 hours of education needed in order to obtain the home-buying counseling certification.

2016 Group Workshop Dates

Registration closes at noon the day before the workshop.

  • January 16
  • January 30
  • February 13
  • February 27
  • March 12
  • March 26
  • April 9
  • April 23
  • May 7
  • May 21
  • June 11
  • June 25 cancelled
  • July 16
  • September 17
  • October 15
  • November 19
  • December 17
Location: St. Ambrose Housing Aid Center
317 E. 25th Street
Hours: Saturday, 10 a.m. to 4 p.m.
Free continental breakfast and lunch are provided.

Fee Schedule and Methods of Payment

  • Group Workshop: $100
  • A spouse, co-borrower, or Special Needs Assistant may attend the group workshop at no additional charge.
  • Group Workshop with proof of income of $18,550 or less: $50.
    Please register by bringing a money order and proof of income to our offices.
  • If you are seeking to purchase with the assistance of the Section 8 Housing Choice Voucher Program or the Homeownership for Individuals with Disabilities Program (HIDP) and your income is $18,550 or less, the workshop will be free. Please contact us to register.
  • If you are unable to pay with a credit card online you may register by bringing a money order to our offices at 321 E. 25th Street.

eHome America Online Course

Fee: $99

Many first-time buyers are short on time and may not be able to attend the homeownership workshop in person, so we offer an online home-buying education course to give you the opportunity to complete the course at your leisure and convenience.

eHome America is based on the NeighborWorks America Realizing the American Dream curriculum and meets the National Industry Standards for home owner education.

What topics are covered?

  • Are you ready to buy a home
  • Managing your money
  • Understanding credit
  • Getting a mortgage loan
  • Shopping for a home
  • Keeping your home and managing your finances

Who should take this course?

  • First-time home owners
  • Borrowers who need home owner education certificates to qualify for a loan
  • Borrowers who need to qualify local and state home-buying incentives and grants
  • Individuals looking to become more educated about homeownership
  • Home owners working with local housing counselors

Key features of this course:

  • Complete at your own pace
  • Animated videos covering all materials
  • Easy-to-read content with highlighted keywords
  • Quizzes throughout course to ensure understanding
  • Instant access to local homeownership counselor
  • An official English and Spanish online education and certification course
  • Printable certificate at end of course

eHome America is based on the NeighborWorks America Realizing the American Dream curriculum and meets the National Industry Standards for home owner education.

One-on-One Home-Buying Counseling

After completing a group workshop or online counseling, you will need to schedule a free One-on-One Home-Buying Counseling session to fulfill the 8-hour home-buying education course.

Our certified counselors offer guidance and assistance in loan qualifications, credit repair, and loan products intended for first-time buyers. Counselors will inform the client of current home-buying incentives, answer questions, and give appropriate referrals. The one-on-one session is scheduled between Monday and Friday between 9 a.m. and 5 p.m. The session is generally 1 to 1 ½ hours long.  Please call 410-366-8550 x222 or x221 to schedule your session. 

Items needed for session:

  • 2 most recent pay stubs
  • 2 years of tax returns and W2’s with all attachments; 3 years if self-employed
  • 2 most recent bank statements
  • Copy of recent credit report if available; if not, one will be pulled in the office.
  • Pre-approval letter if available