Couple holding the keys to their new home Couple holding the keys to their new home

Buying a Home with Confidence

We prepare new homeowners for life after closing.

A Home is More than a monthly payment

More space. Fewer restrictions. No landlord. And you can paint the walls whatever color you like!

There are a ton of reasons to want to buy a home. It's long been considered part of the "American Dream" because of the personal freedom it represents. For many, homeownership is a form of investment, allowing you to build equity in the roof over your head. But there's a big difference between renting an apartment and buying a home, and successful homeownership is about much more than just managing a monthly mortgage payment.

Prepared for anything

MMI offers a variety of homebuyer counseling options. Many of these counseling offerings are geared toward consumers closing on specific loan types who are required to complete counseling as part of the closing process. However, we also offer FREE homebuyer counseling to anyone looking to purchase a home and interested in understanding more about the home buying process. This counseling includes a complete review of your current finances, including your potential ability to support a mortgage, as well as an overview of the costs and considerations that come with owning a home.

We also offer online homebuyer courses, which are a great way to prepare yourself for homeownership at your own pace. These courses can be used to fulfill education requirements for many specialized homebuyer programs (check with your lender to verify program eligibility).

Homebuyer Counseling (Telephone)
Available: Mon-Fri, 8am-6pm (CT)
866.889.9347

Online Homebuyer Education Courses
Available: 24/7
Click here to register 

buy your home with confidence

The last thing a new homeowner wants is to discover that they weren't prepared for the costs and responsibilities that come with owning your own home. Whether you're currently in the process of closing or perhaps even years away from being ready to own a home, homebuyer counseling can help prevent your homeownership dreams from turning into a nightmare.

We're here to see you succeed!

Sign up for an online homebuyer education course 

HOMEBUYER COUNSELING
HOW IT WORKS
A couple moving into their new home

In order to help prepare you for homeownership, your counseling session will begin with a review of your finances. The goal is to figure out whether or not you can afford to own your own home, and then create a personalized strategy for either saving for a down payment or managing the ongoing expenses associated with owning a home.

Your counseling session may also include a discussion of available loan programs and their requirements. Your counselor will provide advice and direction for building a strong credit history and discovering which homes fit most comfortably in your budget. 

At the end of your session you'll receive a copy of your budget, as well as an action plan created by your counselor and your certificate of completion (if applicable).

Frequently Asked Questions
We're here to help! Don't hesitate to reach out with any questions you may have. If your question isn't covered below, click "CONTACT US" at the top of the page to submit your question.
Is there a fee for prepurchase counseling?
Is there a fee for prepurchase counseling?
There are actually a variety of pre-purchase counseling options available, depending on whether or not the counseling is a requirement of a loan program. Most varieties, including any counseling that is NOT a requirement of a loan program, are free. Your counselor will advise you of any fees before counseling begins.  
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Do you offer loans?
Do you offer loans?
No. MMI is not a lender. Completing a counseling session does not qualify you for a loan, though it may fulfill certain requirements of a loan program. 
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Do you offer down payment assistance?
Do you offer down payment assistance?
MMI as an organization does not offer down payment assistance. However, location-specific financial assistance programs may be available. Consult with your counselor to see if programs are available in your area.
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Do you provide counseling in Spanish?
Do you provide counseling in Spanish?
Counseling services are available in English and Spanish. Interpreter services for many other languages are also available upon request.
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Will this be reported to the IRS?
Will this be reported to the IRS?
We do not report any information to the IRS. Your counseling session is confidential and your participation will not be disclosed to any third party without your permission.
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They've been where you are today
Unbiased, nonprofit expertise you can trust
As a national nonprofit, we're motivated by the number of families and individuals we can help make positive change in their lives. We want to help you make the best choices for you and your family.
  1. Unbiased
    As a 501(c)(3) nonprofit organization, we take pride in providing unbiased advice and expert instruction. We're working for you - not your lender.
  2. Certified
    Our foreclosure counselors all pass strict certification testing from the U.S. Department of Housing and Urban Development (HUD).
  3. Professional
    We love what we do, but we take our work and your trust seriously. We pride ourselves on our expertise and professionalism.
Jackie, an MMI counselor
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