Ready to stop renting and OWN your home?
Through homebuyer education and expert guidance, HomeFree-USA makes the homebuying process easier and less expensive.
"As a mother, there’s nothing like seeing my daughter’s face light up as she stepped into her own room—our own home. After years of sharing a space at my mother’s house, I felt an overwhelming sense of pride knowing I created this lasting gift for her. She’ll always have this home, her home, to cherish and someday pass down to her children. It’s an incredible legacy I’m so grateful to give her.”
- Nia H.
How We Are Different
HomeFree-USA’s commitment to YOU makes us different. Our homebuyer membership program is uniquely designed with YOU in mind.
How The Process Works
Step 1: Prepare for Mortgage Approval. Find Downpayment Assistance.
As a member of HomeFree-USA, your first step is the Mortgage Profile Meeting. At this meeting, your Homeownership Advisor will review your financials and create a customized Mortgage Achievement Plan (MAP), designed to strategically get your credit score, debt, and savings in line for pre-approval and downpayment assistance.
If you're already pre-approved, go straight to step 2.
Step 2: Qualify For Downpayment Assistance
Buying a home can be expensive. Downpayment and closing cost assistance make the purchase more affordable by reducing your upfront costs and increasing your buying power. When you are deemed “mortgage ready” by your Homeownership Advisor and/or pre-approved by your lender, attend HomeFree-USA’s homebuyer class to learn how the process works and to earn your downpayment certificate. The certificate is required to qualify for programs. Our members qualify for an average of $18,000 in downpayment and closing cost assistance.
Step 3: Secure Loan Approval
Congratulations! When you reach this step, you are ready for mortgage approval. Shopping for the right loan can be confusing and complicated. HomeFree-USA makes it easier by connecting you with three lenders who offer products best suited for your unique situation. Although roughly 1 in 2 homebuyers are denied a mortgage, 96% of HomeFree-USA members secure approval the first time they apply.
Step 4: Now You're HomeFree!
Move through the rest of the process with ease. Meet with your realtor and shop for your new home with confidence. Once you get a ratified contract, proceed to home inspection, final mortgage approval and closing.
If you have questions as a homeowner, HomeFree-USA is here to help. Contact us for guidance with refinancing, foreclosure prevention and other home retention options.
How We Are Different
HomeFree-USA’s commitment to YOU makes us different. Our homebuyer membership program is uniquely designed with YOU in mind.
- We offer informative homebuyer classes and a proven plan to mortgage approval.
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Things happen throughout the homebuying process. You can contact us when you have questions or need homebuying advice.
- Although 1 in 10 homebuyers are denied for a mortgage, 96% of our members are approved the first time they apply.
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We research and connect you to lender options that fit your needs and budget.
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Our Homeownership Team personalizes and simplifies the search by helping you find and qualify for money many don’t know exist.
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We have your back from pre- to post-purchase. After you buy your home, we are here to provide foreclosure prevention guidance.
Become a HomeFree-USA Member
Understanding the world of homeownership can be a steep mountain to climb. HomeFree-USA simplifies the process by offering easy-to-understand programs designed to help you build credit and maximize your downpayment.
30
YEARS OF CLIENT SUCCES
45k
BUYERS SERVED NATIONWIDE
96%
OF CLIENTS APPROVED THE FIRST TIME
0%
FORECLOSURE RATE
50+
AFFILIATED NONPROFITS NATIONWIDE
Success Stories
“We were able to build a relationship with HomeFree-USA that we feel like we’ll have for the rest of our lives. HomeFree-USA helped make homeownership a reality for us and showed us that it wasn’t as far fetched as we thought it would be.”
Tamika & Dexter
“It was nice to have HomeFree-USA to help me make decisions about my finances, my advisor’s knowledge was outstanding. Banks were offering good rates and different programs so I just stepped out and did it. My home is quiet and I love it”
Elaine
“I didn’t know how the process worked or if I could even qualify for a home. HomeFree-USA held my hand and walked me through the process. I didn’t know anything about a mortgage — I just thought I couldn’t get one, but HomeFree-USA showed me that I could.”
Shaun
