Facebook Instagram Linkedin Envelope
DONATE
CONTACT

Welcome!

You’re on Your Way to Homeownership. We’re Here to Help You Get There.

Congratulations on completing the First Steps to Homeownership class! You’ve taken an important step toward becoming a homeowner. Now, it’s time to keep moving forward.

Here are your next steps.

Questions?


Welcome!

You’re on Your Way to Homeownership. We’re Here to Help You Get There.

Congratulations on completing the First Steps to Homeownership class! You’ve taken an important step toward becoming a homeowner. Now, it’s time to keep moving forward.

Here are your next steps.

Questions?

You are almost home. Next steps & more!

Congratulations! You are on your way to becoming a homeowner. HomeFree-USA makes the process less stressful and more affordable by connecting you to downpayment and affordable lender options many don’t know exist.  To qualify for these programs, follow the steps below: 

If you missed the class. You may register for next class. if you are in a hurry and can’t wait do our on demand class here.

I attended a HomeFree-USA class, and it truly changed the way I saw homeownership. The guidance and support gave me the confidence I needed to move forward.
Chante
Homeowner

Check out our Preferred Partners

Our Preferred Partners are trusted experts ready to help you navigate every step—from preparing your finances to closing on your home.

4 Items Found
A to Z (title) Z to A (title) Latest listings Oldest listings Popular listings Random listings

Frequently Asked Questions

What is the Mortgage Approval Program (MAP)?

The Mortgage Approval Program (MAP) is designed to help you become financially ready to qualify for a mortgage. You’ll receive personalized guidance to improve your credit, manage your finances, and follow a clear step-by-step plan toward homeownership.

What are the first steps after I attend First Steps to Homeownership class?

Once you attend the class, your next steps are simple:

  • Pay your administrative fee
  • Complete your intake form
  • Submit your required documents
  • Schedule your one-on-one counseling session

These steps allow us to build your personalized mortgage-readiness plan

What documents do I need to submit?
  • Valid ID (driver’s license or passport)
  • 30 days of pay stubs (or proof of income)
  • Self-employed? 
    – Add: 6 months profit/loss statements, recent federal tax returns (only), 1099s, 2 months bank statements

forms will be rejected.

 Send PDF documents to documents@homefreeusa.org

What happens during the one-on-one counseling session?

During your session, a Homeownership Advisor will:

  • Review your credit and financial situation
  • Create a personalized action plan
  • Help you prepare for mortgage approval
  • Guide you toward down payment assistance opportunities

This is where your path to homeownership becomes clear and customized to you.

How do I qualify for down payment assistance?

To access many down payment and closing cost assistance programs, you’ll need to:

  • Complete a homebuyer education course (First Steps to Homeownership)
  • Finish your counseling session
  • Receive your homebuyer certificate

These steps help unlock financial programs that can significantly reduce your upfront costs.

What happens after I’m mortgage-ready?

Once you’re ready, HomeFree-USA will:

  • Connect you with 3 lenders
  • Help you compare options
  • Support you through the mortgage application process

Our goal is to increase your chances of approval and help you secure the most affordable loan for your situation.