Homeownership Counseling / Homebuyer Education (HBE)

Guiding individuals and families on their path to sustainable homeownership.

• 8-Hour Virtual Class
• Ideally Suited for Those Planning to Buy a Home within 6 to 12 Months
• Includes Those Under Contract to Purchase a Home in Greensboro or High Point
• Eligible for Local Downpayment Assistance Programs After Completing the HBE Course
• Certificate of Completion Valid for One-Year for Any DPA Program
• Course Admittance Requires a Minimum Credit Score of 600
• Course Registration is Required

Financial Wellness Bootcamp

A sequential approach to homebuying education based on credit, and credit score, to elevate your ability to realize your homebuying goals. This approach includes financial health, wellness, and capability assessments.

• 5 Virtual Online Sessions (each 2 hours across ~2.5 week time period)
• Interactive Assignments Provided by Facilitator
• Sequential Curriculum of Activities
• Financial Essentials to Get Acclimated to Financial Responsibility
• Pathways to Successful Homeownership
• Create & Maintain Sustainable Spending & Saving Behaviors
• Build and Maintain Good Credit
• Identify and Navigate Credible Financial Products and Services
• Avoid and/or Respond to Credit Scams or ID Theft
• A Trusted Financial Literacy and Capability Education Program
• No Credit Score Minimum Required
• Course Registration Required

Individual Development Account (IDA) Program

A comprehensive 6-12 month financial education series which meets monthly on a virtual platform, and designed for potential homebuyers within 1 year of being mortgage ready.

• Classes Taught by Licensed and Trusted Real Estate, Lending, and Banking Professionals
• Monthly Group Education Sessions Are Required
• 1-on-1 Success Coaching and Counseling Also Required
• Participants Must Commit to a Monthly Savings and Budgeting Plan
• Analysis of Individual/Household Budgeting Plan and How to Manage Monthly Financials
• Minimum Credit Score Required 580-600+
• Course Registration is Required

Foreclosure Prevention & Financial Sustainability Counseling

Our HUD-Certified counselors and advocates can assist you in evaluating foreclosure PREVENTION options. 

• 1-on-1 Counseling and Support
• Assists Clients That Can Demonstrate an Unplanned Financial Hardship
• Clients Currently Severely Delinquent on Mortgage Payments Also Eligible
• Assists Clients in Obtaining a Modification or Other Long-Term Solutions
• May Refer Clients to Other Agencies with Appropriate Supportive Community Programs or Solutions.
• Services Approved and Funded by HUD and the NC Housing Finance Agency

Post Purchase Program

A requirement for DPA (down-payment/homebuyer assistance) recipients to aid in the continued sustainability of homeownership and navigating real-life circumstances that may arise as a new homeowner. Completed around 3-6 months following the purchase of a new home. No fee for City of Greensboro’s DPA recipients, and HCG will follow up with clients to register.  

• 1-2 Hour Virtual Online Session
• 1-on-1 Counseling with a HUD Certified Counselor
• Tips on Home Maintenance
• Preparing For and Avoiding Major Repairs
• Emergency Funds
• DPA Payoff Information
• How to Navigate Foreclosure Situations

Lender, Realtor & Housing Professionals Training

HCG partners with numerous local area housing professionals, provides critical training, and application support for those interested in participating with the City of Greensboro & High Point Homebuyer Assistance (DPA) Programs.

HCG is proud of our extensive network of partners including lenders, and realtors that embrace the importance of sustainable homeownership, financial stability, and pathways to generational wealth—all of which are core to our mission.

Eligible Lenders & Processors who are interested in participating must receive certification through our Online Lender workshop.