Ready to stop renting and OWN your home?
Through homebuyer education and expert guidance, HomeFree-USA makes the homebuying process easier and less expensive.
  • ​Get a proven plan to homeownership.
  • ​Bring your mortgage current and prevent foreclosure.
  • ​Gain access to resources to help you on your homeownership journey.

How The Process Works

Step 1: Save Time With Expert Homeownership Guidance 

HomeFree-USA’s certified Homeownership Advisors position you to save time and money by preparing you for mortgage approval; helping you to find and secure downpayment and closing cost assistance; and connecting you with  affordable mortgage products. 
If you're already pre-approved and don’t need guidance, go straight to step 2.

Step 2: Earn Your Homebuyer Certificate To Qualify For Downpayment Assistance 

Buying a home can be expensive. Downpayment and closing cost assistance makes the purchase more affordable but you must qualify for programs.  In order to qualify, sign up for HomeFree-USA’s approved eHome course to earn your lender-required homebuyer certificate.

Step 3: Get Approved

Shopping for the right lender can be confusing. HomeFree-USA makes it easier by connecting you with top mortgage lenders and financially preparing you for approval. 96% of homebuyers we guide secure mortgage approval the first time they apply.

If you came to HomeFree-USA already approved, send your downpayment certificate to your lender for final approval.

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 and closing.

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 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.
  • ​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.
  • ​We research and connect you to lender options that fit your needs and budget.
  • ​Our Homeownership Team personalizes and simplifies the search by helping you find and qualify for money many don’t know exist.
  • ​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.

28+

YEARS OF CLIENT SUCCES

40k

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

Frequently Asked Questions

Question

A homebuyer certificate will help you qualify for downpayment and closing cost assistance. Join a webinar or in-person class to get started.

Question

A homebuyer certificate will help you qualify for downpayment and closing cost assistance. Join a webinar or in-person class to get started.

Question

A homebuyer certificate will help you qualify for downpayment and closing cost assistance. Join a webinar or in-person class to get started.

Question

A homebuyer certificate will help you qualify for downpayment and closing cost assistance. Join a webinar or in-person class to get started.

Question

A homebuyer certificate will help you qualify for downpayment and closing cost assistance. Join a webinar or in-person class to get started.

Question

A homebuyer certificate will help you qualify for downpayment and closing cost assistance. Join a webinar or in-person class to get started.

HomeFree USA is not a mortgage lender. Make sure you understand the features associated with the program you choose, and that it meets your unique financial needs. Subject to Debt-to-Income and Underwriting requirements. This is not a credit decision or a commitment to lend. Eligibility is subject to completion of an application and verification of home ownership, occupancy, title, income, employment, credit, home value, collateral, and underwriting requirements. Not all programs are available in all areas. Offers may vary and are subject to change at any time without notice. HomeFree-USA is not affiliated with, or an agent or division of, a governmental agency or a depository institution. Copyright © 2021. Trade/service marks are the property of HomeFree-USA and/or its subsidiaries. Equal housing opportunity.

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