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Housing
Opportunities of Northern Delaware, Inc. offers
comprehensive housing counseling services to Northern Delaware
residents. Appointments are held Monday thru Friday between the
hours of 8:30am and 3:30pm. (Later appointments can be arranged
on a case-by-case basis.)
Each of our
face-to-face sessions lasts approximately 3 hours.
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Long Term Counseling |
Fast Track Counseling |
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Preparing for Homeownership |
Review of Mortgage Commitment |
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Shopping for a Home |
Budget and Saving |
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Pre-Mortgage Qualification |
Obligations of a Homeowner |
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Obtaining a Mortgage |
Closing Process |
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Closing Process |
Life as A Homeowner |
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Down Payment Settlement Funds |
Foreclosure Prevention |
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Money Management |
Predatory Lending |
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The items
on the Counseling Checklist to the right that are marked with the
red
üindicate the information that you should bring with you
for your first counseling appointment. If you
would like to print this checklist as a guide
while you gather the information together,
CLICK HERE TO
DOWNLOAD THE LIST. (You
will need Adobe©
Acrobat to view and print the checklist. If you do not
have Acrobat installed on your computer, click the icon
below to download a free copy.
Click the icon above to download
Adobe©
Acrobat
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Counseling
Checklist
Clients
should bring in the following documents to their first
appointment:
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Photo
identification |
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a |
Tax
Returns and W-2's from previous two years |
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One
month paystubs |
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12
months rental history |
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a |
Bank
statements |
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Credit card statements |
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a |
Monthly expenses |
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A
recent Credit Report |
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And the
following information should be submitted when it is
received: |
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Mortgage Commitment Letter |
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Sales
Agreement/Contract |
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Truth-in-Lending Statement |
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Good
Faith Estimate |
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Home
Inspection Report |
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Home
Appraisal Report |
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HUD-1
Settlement Sheet |
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