Your Path to Homeownership

Attend the required 6-hour homebuyer education class. You’ll learn about credit, budgeting, mortgages, down payment assistance, the homebuying process, and what lenders look for.

Class complete? Great — this step is already done. Keep going!

$59 per person

Your fee covers the services that move you from homebuyer education to mortgage readiness:

• Tri-merge credit report
• Credit and housing counseling
• Personalized budget
• Mortgage preparation
• Mortgage-ready package

Pay here: HomeFreeUSA.org/product/administrative-fee-2/

Choose the form that applies to you:

Important: Answer ALL questions. Incomplete forms cannot be processed and will delay your next step.

Live in or planning to purchase a home in Baltimore City? Complete the CDBG Income Verification Form in English or Spanish.

If this does not apply to you, simply continue to Step 5.

Email your documents in PDF format to: intake@homefreeusa.org

Please send:

• Valid ID — driver’s license or passport
• Most recent 30 days of pay stubs or other proof of income

If self-employed, also provide:

• 6 months of profit & loss statements
• Most recent federal tax returns only
• 1099s
• 2 months of bank statements

Send everything requested. Missing documents will delay your process.

Now we put everything together. Your counselor will review your:

Together, you’ll create a personalized action plan to become mortgage-ready. Already pre-approved? We help you move forward and issue your downpayment certificate.

This is what you’ve been working toward! Once you’re ready, HomeFree-USA can help you:

• Prepare your mortgage-ready package
• Understand how much home you can realistically afford
• Explore downpayment and closing cost assistance you may qualify for
• Connect with lender options with incentives and special programs
• Prepare for mortgage pre-approval