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“I didn't know where to begin to make this happen. I could easily have been taken advantage of if I hadn't had a DHIC counselor in my court. They worked very hard to make it all happen. ”
  -- Patricia Wilkinson

Are You Ready?

DHIC's Homeownership Center has helped more than 700 Wake County residents purchase their first home.

We know from experience that preparation, planning and commitment are the keys to success.

For some, getting ready to buy a home will take a little time and perseverance. For others, homeownership may not be the right choice yet. Whatever your starting point, we can take you through all the steps of the homeownership process and help you make the choices and decisions that best fit within your means.

Here are some questions to think about before making a decision to move forward:

Do you know what is on your credit report?

A home mortgage lender will need to know that you have a history of paying your bills and debts on time. DHIC's Homeownership Center can help you review and understand your credit report before you approach a lender.

Is your job steady and secure?

Most lenders require continuous employment for at least two years. If you are concerned about your job security or are planning to change jobs, our counselors can help you think through whether now is the right time to buy.

Do you have other major expenditures to make in the next few years?

A new car, a new baby, or college tuition can influence your ability to manage a house payment, utilities, and maintenance expenses. We can help you examine whether your anticipated expenses will affect your timing and price range.

Are you planning to stay in the area during the next five years?

Owning a home decreases your mobility since, unlike a renter, you cannot simply give notice to the landlord and move. If you sell your home within the first five years, you may lose the money that you have invested in it. It makes sense to evaluate whether your employer, future job opportunities, and personal needs are likely to keep you in the area for at least the next five years.

Are you committed to preparing and following a budget?

Because homeowners must pay property taxes, homeowners' insurance, utilities, and upkeep expenses, you can expect to pay more for housing costs when you buy a home than when you rent. Homeowners who are unprepared for these expenses risk losing the asset they worked so hard to obtain. A DHIC homeownership counselor can help you develop and stick to a household budget before you make the homeownership plunge.

If you think you are ready to take the next step, DHIC's Homeownership Center is here for you. Learn more now!

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