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Provides a pre-home buyers' course on budgeting, basic banking, credit and debt management, tax tips, the home buying process, asset creation, predatory lending, and financial goal setting. Clients receive a certificate upon completion of the course and are then entitled to one-on-one counseling and advice on specific financial matters.

Provides HUD-certified Homebuyer Education workshops to improve financial literacy to the residents of Lorain County. Offers homebuyers two courses (four hours per class) focused on Financial Literacy (budgeting and saving) and the home ownership process to prepare participants on the homebuying process. Must attend both classes.

Provides first-time homebuyer counseling, education, and guidance.

The Ohio Housing Finance Agency (OHFA) offers several affordable loan options to help you achieve your dream of homeownership. OHFA offers 30-year fixed rate FHA, VA, USDA-RD and conventional mortgage loans designed especially for homebuyers with low- and moderate-incomes, with generous income and purchase price limits.

Offers a variety of workshops and individual financial coaching sessions that cover each step of the home-buying process. Participants may receive information about and assistance with searching for a home, resolving potential credit problems, and obtaining a mortgage loan.

HUD approved housing counseling. Assists with identifying and resolving the barriers to home ownership in one-on-one counseling sessions. Housing counseling services address the following topics: Pre-purchase and Homebuyer Education and Non-Delinquency Post-Purchase Counseling.

Self-paced, online homebuyer education program. 4 hour class prepares buyers to ask questions, make decisions and advocate for themselves. After the course clients will receive a certificate. A private counseling session is available upon request.

Offers an array of services including foreclosure prevention, credit and budget counseling, financial education, and homebuyer education (including down payment assistance).

The Ohio Housing Finance Agency’s (OHFA) Ohio Heroes rewards Ohio residents who serve the public with a discounted mortgage interest rate. You can choose to include down payment assistance in your Ohio Heroes loan. Down payment assistance is forgiven after seven years. If you sell or refinance your home within seven years, you must repay all of the assistance provided. Qualified buyers are required to complete free homebuyer education. Information on OHFA’s streamlined education program is available on our website or, you may complete a course offered by any U.S. Department of Housing and Urban Development (HUD) approved counseling agency in Ohio.

Rehabilitates abandoned housing to provide affordable, decent housing. Provides information and counseling on residential rehabilitation with a concentration on avoiding and correcting violations of building codes and maintenance of homes in good condition.

Connects individuals and families to nonprofit member agencies offering telephone, online, and in-person counseling about managing household finances, escaping debt, affordable home ownership, filing bankruptcy, managing student loan debt, and improving credit. People can search the website by zip code for nearest agencies. Member agencies can assist with developing personalized budget plans and Debt Management Plans (DMPs).

Provides mortgage foreclosure counseling and assists consumers in avoiding predatory loans. Counseling provided by member real estate professionals. Offers information and recommendations so that clients can make appropriate decisions to settle delinquent mortgage payments or to get out of default. In some cases, agency may contact and negotiate with lender on behalf of client in order to resolve the situation. Offers counseling on pre-purchase home counseling, classes to get pre-certified for FHA home purchasing and other housing counseling certificates, budget and credit counseling.

Provides housing counseling and information for first time home buyers especially those with low to moderate income. Offers information about the overall process of buying a home including but not limited to money management, lending, working with real estate agents, appraisals, loan document review, and closing information.

Provides pre-purchase education to increase knowledge and build home buying skills. Topics include money management, credit management, shopping for a home and the mortgage loan process. Also offers post-purchase education related to maintaining a home.

Provides financial education to agencies, organizations, individuals, and families. Offers programs in basic budgeting; credit and debt management; consumer issues and general money management. Call for more information. Neighborhood Lifelines: Foreclosure Prevention presentations are available to existing organizations/churches/neighborhood groups to provide basic information to help them help reach out to others in the community.

*Homebuyer Education Classes: Monthly, 6-hour course offered via Zoom or onsite; first-time buyers learn the ins and outs of purchasing a home. Also available as web-based course @ www.ehomeamerica.org/nhp. *Packaging for USDA direct program: Local resource for income-eligible applicants wishing to purchase in approved rural areas. Low interest rate without mortgage insurance; monthly subsidy assistance to assist with house payment.

Offers a free HUD-approved home buyer education and pre-purchase counseling program. Participants must complete the eight hour education component and a 1-2 hour individual counseling session. Participants will receive a certificate upon completion.

Provides contact information for agency approved counseling agencies throughout the service area. Provides information, sometimes through seminars and workshops, on how to buy a home. Also assists homeowners with problems of property maintenance and financial management. Organizations with expertise in real estate can apply to become approved counseling agencies.

Provides pre-purchase counseling, including guidance through the steps of cleaning up credit, purchasing a home, obtaining a mortgage, and advising how to avoid lending that preys on borrowers. Offers assistance if foreclosure on a home is threatened. Offers HUD-approved home buyer education on topics such as preparing for home ownership and obtaining an affordable mortgage.

Offers classes on a variety of topics including budgeting, saving, improving credit, workforce literacy (prejob guidance, life skills, etc.) computer training and preparing for home ownership. One on one counseling in these areas is also available upon request.

HUD-approved program offering counseling on foreclosure prevention, first-time homebuyer counseling, and homebuyer education courses.

Provides assistance for people who want to purchase a home by offering information and advice about the housing process, identifying housing options, the closing process, and home maintenance.

Provides information on issues affecting individual finances, including preventing mortgage foreclosure, consumer issues, budgeting, wealth building, and notary services for the community.

Offers a HUD certified home buyer education program that consists of eight hours of classroom education. Classes are held in the evening and on the weekend. One-on-one counseling is available. Topics covered include: Budgeting and credit, loan products, home inspection and the closing process.