Housing Counseling – Certifications

Approved by the City of Fargo

Our Homebuyer Education Program has been approved as an official Education Program by the City of Fargo for participation in the Fargo Home Buyer Assistance Program. This means that participants that complete the workshop and counseling session prior to making an offer to purchase a home, along with meeting other financial and property criteria as specified by the Fargo Home Buyer Assistance Program, may be eligible for down payment and closing cost assistance.  To find out if you might be eligible for this program, speak to your local participating lender.

The classes and counseling are free and offered each month. Call us at (701)237-9247 to register.

City of Fargo Website

Approved by the City of Moorhead

Our Homebuyer Education Program has been approved as a Participating Educator by the City of Moorhead offering home buyer education classes that meet the home buyer training requirement for Moorhead housing loans. This means that participants that complete the workshop and counseling session prior to making an offer to purchase a home, along with meeting other financial and property criteria as specified by the City of Moorhead, may be eligible for special programs. Other requirements and qualifications apply. To find out if you might be eligible for these programs, speak to your local participating lender.

The classes and counseling are free and offered each month. Call us at (701)237-9247 to register.

City of Moorhead Website

Approved by the North Dakota Housing Finance Agency

The North Dakota Housing Finance Agency’s HomeSmart Program offers a $100 grant to first-time homebuyers who complete an approved homebuyer education workshop. The grant may be used for closing costs or other housing expenses. Completion of an approved workshop may also qualify you for other cost reduction or incentive programs. Our educators will introduce you to additional incentive programs during the workshop. Your lender or real estate agent will also be able to provide you with information on other available programs. Family Life Credit Services’ Homebuyer Education Program is an approved Homebuyer Education/Counseling Provider for the NDHFA HomeSmart grant program. A first-time homebuyer is anyone that has not owned a home or land within the last 3 years. Click here for a complete list of additional Homebuyer Education/Counseling Providers.

The classes and counseling are free and offered each month. Call us at (701)237-9247 to register.

North Dakota Housing Finance Agency Website

Approved by the Minnesota Home Ownership Center

Our Homebuyer Education Workshops utilize the HomeStretch curriculum produced by the Minnesota Home Ownership Center (http://www.hocmn.org/en/index.cfm). We are an approved Homebuyer Education/Counseling Provider for a variety of homebuyer incentive programs offered by agencies in the state of Minnesota. Your workshop educator will introduce you to some of the programs available in the state of Minnesota. Your lender or real estate agent will also be able to provide you with information on other available programs. For a complete list of providers in your area, click here.

The classes and counseling are free and offered each month. Call us at (701)237-9247 to register.

Minnesota Home Ownership Center Website

 

Confused or overwhelmed?

Let us guide you.

Call 1-800-747-9307
Sample Action Plan/Goals
Challenges:
  • Divorce/Separation
  • Poor Money Management
  • Past Due with Creditors
  • High Debt Load
Goals:
  • Purchase home in 6 months
  • Save $2000
  • Reduce Monthly Expenses
  • Improve Credit
Possible Action Steps:
  • Begin tracking Expenses
  • Eliminate or reduce specific expense(s)
  • Begin a Savings Plan
  • Research different mortgages

*Each Action Plan is uniquely tailored to the specific client and their situation. These are strictly examples of possibilities a client and counselor could cover.

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When looking to consolidate my debt, my goal was to find a competent, honest place. The values FLCS professed, have shown through during the 3+ years it took me to get out from under my credit card debt.

— T.H., TX

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