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Homeownership
The homeownership program
has educated hundreds of people each year on the availability of a
number of mortgage products and grants that allow home purchase with
little or no money down. Through our services, people with no thought of ever
having the opportunity to own a home, have fulfilled the American dream
of home ownership.
Kansas Homeownership Partnerships
Kansas Home Buyer Opportunities is continually
involved in partnerships on loan programs, products with lenders, cities
and locally owned businesses. Current partnerships include
TOTO (Topeka Opportunity to Own), Rural First Time Homebuyer Program and in Lawrence, Kansas,
Lawrence Community Land Trust Program,
administered by Tenants to Homeowners. Additional
Homeownership
programs are also available in our service area.
One-on-One Counseling
A qualified housing counselor will help you
evaluate your credit, set up a budget, and discuss financing options and
housing grant opportunities. Together, you will prepare a plan for
accomplishing your goals. The session requires you to
prepare in advance. Counseling consists of meeting in
person or over the telephone one-on-one with a counselor. The counselor
will focus on the same subjects as in a workshop: credit readiness,
affordability, down payment, working with a lender, working with a
realtor, selecting a home, offers and closings, and home maintenance.
By the end of the counsel, you'll be prepared to pursue home ownership
and feel more confident about the entire home buying process. The
session takes an average of 1
1/2 hours and includes a credit report analysis and a homebuyer
education certificate at completion. This certificate is necessary
to access many of the financial assistance programs.
Homebuyer 101 and
Homebuyer-Maintenace Workshops
The
four-hour Homebuyer 101 Workshop provides education and
encourages discussions on how to purchase a home. Certificates are
awarded at the completion of the workshop for various mortgage loan
assisted grants.
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 The
10-hour homebuyer workshop provides
education and encourages
discussions
on how to purchase a home.
Certificates are awarded at
the completion
of the workshop for various
mortgage loan assisted
grants. Qualified
instructors cover issues
on budgeting, insurance, credit, how to avoid loan scams known as
"predatory lending" and loan options. Information on inspecting
and the maintenance of property, before and after buying, is also
discussed. Sponsored by Capitol Federal - Member FDIC and Equal
Housing Lender.
The two-hour maintenance workshop (Saturdays
following homebuyer walkthrough) cover basic upkeep and repair
projects that homeowners can do themselves. The classes
cover lawn maintenance, plumbing, electricity and home
decorating. Other resources are available at local
libraries, lumber yards, hardware stores, and on the internet.
Counselors and trainers also address how to access other
maintenance.
Homebuyer and Maintenance Class
Schedule |
Mortgage Default and Foreclosure Prevention
Budgeting and the management of household
expenses are core elements of our classes and counsels. Housing and
Credit Counseling Inc also has counselors available to assist in the
event problems develop. Mortgage default counseling is handled by
our credit counselors.
Mortgage Delinquency Specialized Counseling.
HCCI's
2009
Foreclosure Statistical Report.
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