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Renters and Homebuyers

While many want to own a home, most complain that buying it is difficult.  As one homebuyer described it, “it’s as painful as a root canal.”  Tons of documents are required; it’s much harder to qualify for a mortgage loan than ever before; and trying to understand mortgage jargon is like deciphering a foreign language. These challenges stop people from pursuing or achieving homeownership.

Nonprofit Homeownership Advisors at HomeFree-USA help you navigate the process and get qualified for mortgage approval.  We do this by:

1. Simplifying each step with an easy-to-follow plan
2. Resolving credit issues, tackling students loans and other debts
3. Finding down payment and closing cost money
4. Offering the lender required class certificate
5. Securing mortgage approval and the best rates

HomeFree-USA is here for you.

  • 96% of our homebuyers are approved for mortgages the first time
  • 0% of those that we’ve prepared for homeownership have foreclosed on their home
  • $35,000 is the average amount of downpayment money that we find for our members

Your time is NOW! Choose an option and start today:

  1. Schedule a free consultation, email homebuyers@homefreeusa.org
  2. Chat with a Client Solutions Specialist, call 301-891-8435
  3. Become a member
  4. Register for the in-person lender-required class to qualify for downpayment money
  5. Register for an ONLINE lender-required class to qualify for downpayment money

Online Homebuyer Class Options: 



Considering homeownership?
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Homebuyer Intake Form

Should I rent or buy?

With interest rates near forty year lows, the decision to rent versus buy becomes difficult. Use this calculator to help determine which makes sense for you at this time.


How much home can I afford?

When you're buying a home, mortgage lenders don't look just at your income, assets, and the down payment you have. They look at all of your liabilities and obligations as well, including auto loans, credit card debt, child support, potential property taxes and insurance, and your overall credit rating.