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 packet that applies to you:

Each packet includes your Homebuyer Intake, Household & Demographics, Preliminary Household Budget, 3rd Party Authorization, Privacy Policy Disclosure, Disclosure Statement, and Membership Fee Policy. Fill it in on screen or print it — signature pages can be signed digitally or by hand.

Read, complete, sign, and return this packet to intake@homefreeusa.org along with your documents. Answer ALL questions — incomplete forms cannot be processed and will delay your next step.
Please include your first and last name in the subject line.

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

You must return this form completed to intake@homefreeusa.org along with your intake form and documents.
Please include your first and last name in the subject line.

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

Email your documents in PDF format to: intake@homefreeusa.org. Please include your first and last name in the subject line.

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