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

There are a ton of reasons to want to buy a home. 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 homebuyer counseling to anyone looking to purchase a home and interested in understanding more about the home buying process.

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)
866-850-4894

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

Homebuyer Workshops
Search for in-person workshops in your area

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 homebuyer counseling?

Is there a fee for homebuyer counseling?

There are actually a variety of homebuyer counseling options available, depending on whether or not the counseling is a requirement of a loan program. The fee for any counseling that is NOT a requirement of a loan program is $149. Your counselor will advise you of any fees before counseling begins.  

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. 
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.
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.
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.
They've been where you are today
  • "I had my doubts in the beginning, but as soon as I got on the phone with MMI I knew I made the right choice. Very easy to contact and the process is quick. Thank you so much MMI! I've already started referring friends and coworkers! They need to know there are people really trying to help!"
  • "THANK YOU for not looking down on me, for understanding and helping me get back on track in such a courteous and helpful way. I was scared and after working with you I feel like I can handle life again. I know it is not over, but there is light at the end of the tunnel."
  • "Every time I communicated with MMI I was helped immediately and treated with dignity and respect. From the very first conversation, I received encouragement and admiration for making that first crucial phone call. I thank God every day for the lessons and help MMI taught me. God bless you all."

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
  • Better Business Bureau A+ rating Better Business Bureau
    MMI is proud to have achieved an A+ rating from the Better Business Bureau (BBB), a nonprofit organization focused on promoting and improving marketplace trust. The BBB investigates charges of fraud against both consumers and businesses, sets standards for truthfulness in advertising, and evaluates the trustworthiness of businesses and charities, providing a score from A+ (highest) to F (lowest).
  • Trustpilot Trustpilot
    MMI is rated as “Excellent” (4.8/5) by reviewers on Trustpilot, a global, online consumer review platform dedicated to openness and transparency. Since 2007, Trustpilot has received over 116 million customer reviews for nearly 500,000 different websites and businesses. See what others are saying about the work we do.
  • Consumer Federation of America Consumer Federation of America
    MMI is a member of the Consumer Federation of America (CFA), an association of nonprofit consumer organizations that was established in 1968 to advance the consumer interest through research, advocacy, and education. Today, nearly 300 of these groups participate in the federation and govern it through their representatives on the organization's Board of Directors.
  • Department of Housing and Urban Development Department of Housing and Urban Development
    MMI is certified by the U.S. Department of Housing and Urban Development (HUD) to provide consumer housing counseling. The mission of HUD is to create strong, sustainable, inclusive communities and quality affordable homes for all. HUD provides support services directly and through approved, local agencies like MMI.
  • Council on Accreditation Council On Accreditation
    MMI is proudly accredited by the Council on Accreditation (COA), an international, independent, nonprofit, human service accrediting organization. COA’s thorough, peer-reviewed accreditation process is designed to ensure that organizations like MMI are providing the highest standard of service and support for clients and employees alike.
  • National Foundation for Credit Counseling National Foundation for Credit Counseling
    MMI is a longstanding member of the National Foundation for Credit Counseling® (NFCC®), the nation’s largest nonprofit financial counseling organization. Founded in 1951, the NFCC’s mission is to promote financially responsible behavior and help member organizations like MMI deliver the highest-quality financial education and counseling services.