Homebuyers and Homeowners

Whether you’re buying your first home or working to keep the one you have, HomeFree-USA is here to guide you every step of the way. Our expert advisors provide the tools, education, and support you need to achieve and sustain homeownership.

Homeownership Help

Whether you’re buying your first home or working to keep the one you have, HomeFree-USA is here to guide you every step of the way. As a trusted housing counseling agency in Maryland, our expert advisors provide the tools, education, and support you need to achieve and sustain homeownership.

Looking to Buy a Home?

Homebuyer education and expert guidance make the homebuying process more accessible and less expensive — and can help you unlock valuable down payment and closing cost assistance programs that make homeownership even more affordable.

Behind on Your Mortgage?

If you are experiencing a financial hardship that makes it hard for you to keep up with your mortgage, don’t worry! HomeFree-USA helps you find, understand, and qualify for mortgage options to get back on track.

Are You Current on your Mortgage?

HomeFree-USA is here to help lower your interest rate, shorten your mortgage term, or tap into home equity to raise funds to deal with a financial emergency, finance a large purchase, or consolidate debt.

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Homeowners Served Nationwide
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Families Prevented From Losing Their Homes
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Affiliated Nonprofits Nationwide

HomeFree USA is not a mortgage lender. Make sure you understand the features associated with the program you choose, and that it meets your unique financial needs. Subject to Debt-to-Income and Underwriting requirements. This is not a credit decision or a commitment to lend. Eligibility is subject to completion of an application and verification of home ownership, occupancy, title, income, employment, credit, home value, collateral, and underwriting requirements. Not all programs are available in all areas. Offers may vary and are subject to change at any time without notice. HomeFree-USA is not affiliated with, or an agent or division of, a governmental agency or a depository institution. Copyright © 2021. Trade/service marks are the property of HomeFree-USA and/or its subsidiaries. Equal housing opportunity.

Success Stories

“I was laid off during the pandemic and I was going through a whole lot of stress just trying to stay afloat. I heard about HomeFree-USA back in 2006 when my husband transitioned. I called HomeFree-USA and spoke with Housing Advisor Gary Plummer. He helped me make a case with my servicer for a modification, and guided me through the entire process. My loan was approved and I was able to rebuild my life in my home.”

Janet