Thinking of owning a home and not sure where to start or want to know more? Utilize some of the services offered through SNHS to get you on the right track to achieving your dream.
Available to Somerset, Worcester & Wicomico County Residents
Individual Budget and Homeownership Readiness Counseling
Service provided for customers not yet ready to purchase because of credit and budgeting issues, but who are committed to the goal of homeownership, or who are delinquent on existing mortgages.
- A credit report is not a mandatory requirement to receive budget and credit counseling through our office. However,
- A 3-tier credit report (including scores) can also be pulled to better address your credit needs. This all-inclusive report is associated with a *fee:
*This fee is payable by check or cash (if cash, have the exact amount please.)
Pre-qualification reviews are offered to prospective buyers to evaluate their credit readiness and affordability. Ideally, applicants would undertake this review prior to making an offer on a specific house or searching for financing. CLICK HERE for a list of what to bring to the review.
- A 3-tier credit report (including scores) can also be pulled at time of your pre-qualification review. This all-inclusive report is associated with a *fee:
*This fee is payable by check or cash (if cash, have the exact amount please as we are not able to produce change.) Pre-qualification cannot be made without a credit report.
To pull a free credit report, visit www.annualcreditreport.com. Your report will pull information from the following repositories.
These are the three standard credit reporting agencies from which you must pull credit reports in order to qualify for a loan through SNHS and most lenders. Pulling credit reports is simple, just follow the link to each site.