Homeownership Program

The Homeownership Center of Charlotte (HCC) is 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:

  1. Attend our free Homeownership Program Orientation.
  2. Orientation is full. Please check back after November 1, 2019 for dates and details regarding our next scheduled homeownership orientation.
  3. Once you attend the free orientation and decide to move forward with our program, you will be required to submit payment for our program prior to getting started.
  4. The fee for our program is $50 for an individual and $65 for two individuals that will be purchasing a home together.  This fee includes your credit report and scores from all three bureaus (Equifax, Experian, and TransUnion), the required series of financial literacy workshops, and unlimited one-on-one counseling sessions with a trained Homeownership Advisor.
  5. As part of our program, you will be required to complete a series of financial literacy workshops, counseling appointments with a Homeownership Advisor, and a 8-hour homebuyer education class (not included in the program fee) taught by our Director of Homeownership Education
  6. Once you and your Advisor determine that you are ready for homeownership, your Advisor will discuss our mortgage lending and downpayment assistance options with you with assistance of the Vice President of Mortgage Services
  7. If you have not already selected a lender that you would like to move forward with, 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 is now a member of North Carolina Housing Finance Agency’s Community Partners Loan Pool (CPLP) program.  This membership allows us to reserve CPLP 0% interest rate, deferred, second mortgage financing on your behalf.  Loans amounts can be reserved up to 20% of the purchase price of the home.  Borrowers’ total household income must be 80% or below Area Median Income (AMI).  Click the link below for income guidelines.  Homebuyer education is required, as well as one-on-one homeownership counseling.  Minimum 640 credit score. Please call (704) 342-0933 or e-mail cplp@cmhp.org for more information.  CPLP Income Guidelines *The Housing Partnership reserves the right to make changes to its loan programs and terms.