Homeownership Program

The Homeownership Center of Charlotte (HCC) is a service of The Housing Partnership.

Due to the COVID-19 Pandemic, The Housing Partnership has postponed in person classes. Our July 14th Virtual Homeownership Orientation class is currently full. Please check back after July 2nd for details on how to enroll in our August 2020 Virtual Homeownership Orientation. We apologize for any inconvenience this delay may cause.


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 Virtual Homeownership Program Orientation.
  2. Please check our website after July 2, 2020 for information on our upcoming virtual homeownership orientation. 
  3. Once you attend the free virtual homeownership 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.  2019 CPLP Income Sales Price Limits*The Housing Partnership reserves the right to make changes to its loan programs and terms.