Help, I'm Not Ready
Homeownership is a huge responsibility. Habitat's goal is to help you become, not just a homeowner, but a successful homeowner. If homeownership is your ultimate goal, but you're not quite financially ready to apply, below are some tools that can help.
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Habitat's Recipes for Financial Fitness: Tool Kit - Click on the "tool kit" link to go to an on-line course that you can complete at your own pace.
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Consumer Credit Counseling Service (CCCS) - Click on "CCCS" - this website is for an agency that offers many free credit counseling programs to help you with your credit problems and to help you get prepared for homeownership.
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Credit Report - Free Report - Click on the "free report" link to go to the website for your free yearly credit report from 3 different agencies. Or you may call 1-877-322-8228 and request your reports by mail.
