THE HOMEOWNERSHIP CENTER of CHARLOTTE (HCC)
A service of The Housing Partnership
HCC provides comprehensive services designed to empower consumers to make informed choices and decisions throughout the home buying process, followed by successful long-term homeownership. These services include a series of homeownership education classes, one-on-one advisory sessions, neighborhood empowerment, post-purchase classes and delinquency advisory sessions. HCC offers invaluable information that will help you clear up budget obstacles, save money and learn mortgage and home buying basics. HCC advisory and education services are also targeted to residents of multi-family communities where residents are in transition from rental housing to homeownership.
So let’s get started:
(The questionnaire can be viewed and printed by clicking on the PDF icon on the right. You will need Acrobat® Reader to view the Questionnaire. If you do not have Acrobat® Reader, it can be downloaded for free by clicking on the Acrobat® Reader icon on the right.)
2. HCC will obtain your credit report and analyze your readiness to purchase. Please allow seven (7) days for review of your questionnaire.
3. Customers who appear ready to purchase within 12 months will be contacted by a certified Homeownership Advisor. Your own personal Advisor will set up an appointment with you to discuss credit, budgeting, and work with you to clear any obstacles to homeownership. Note: Customers who appear they will not be ready within 12 months will be invited to a 1.5 hour “Avenues to Homeownership” Orientation to be informed of the steps they need to take to become eligible for the program.
4. Customers will attend a series of homeownership training classes taught by our Director of Homeownership Education. (7-8 hours of class time.)
5. Once you and your Advisor determine that you are ready for homeownership, your Advisor will discuss our mortgage lending options with you with the assistance of the Director of Mortgage Services.
6. HCC will issue you a letter of pre-approval for the maximum amount of monthly payment and purchase price you qualify for based on our available mortgage programs. If our mortgage programs should happen not to fit your needs we will refer you to one of our Lending Partners. Our goal is to make sure you get the best possible mortgage loan for YOU.
*The Housing Partnership reserves the right to make changes to its loan programs and terms.