Housing Counseling Program

AFS offers pre-purchase Housing Counseling through one-on-one confidential sessions with one of our Certified Credit Counselors.

We will discuss your specific situation with you and will suggest the money management skills and actions you will need to take to prepare for a home purchase. Our Counselors will work with you on the following:

How to set up a budget and save for a down payment.
The advantages of owning a home rather than renting.
How much you can borrow.
What lenders look at when you are qualifying for a loan.
How to choose a realtor.
How to choose a lender.
How to read your credit report and what makes up your score.

Your credit report is the key to your ability to obtain a mortgage and it can impact nearly all aspects of your life. If you rent or own your own home, most likely your credit report was pulled as part of the application process. Your car insurance payment is impacted by your credit report as well as the interest rate you are charged on your mortgage or credit cards.

Part of the screening process for some employers may well include a credit check. Call one of our Certified Counselors and we will help you obtain a free copy of your credit report. We will help you read your report and explain what makes up your score.

Post-purchase Housing Counseling/ Foreclosure Intervention

If you are behind in your mortgage payments or anticipate not being able to keep up with your house payments let us help. There are certain steps that need to be taken and particular documents that must be reviewed and analyzed prior to working with your lender. Our trained foreclosure counselors can help you gather the necessary documents analyze your individual situation and help you decided what option is best for you. Possible options are:

Repayment plan
Loan Modification or Extension
Forbearance Agreement
Refinance or Rewrite
Deed in Lieu of Foreclosure
Possible Sale of Home

In partnership with the Washington State Housing Finance Commission, we are offering our services free of charge.

For more information regarding our classes or for housing counseling please call one of our Certified Counselors at 888-864-8699.

Our counseling sessions are offered Monday through Friday 7:00 am to 3:30 pm Pacific Time or by appointment.

The following links will help you make informed decisions about choosing a credit counseling agency:

1-888-282-5899 Ask One of Our Friendly Experts. Call Now!

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Not all services available in all states. Fees may apply for certain services, including debt management plan services. Eligibility requirements, terms and conditions apply. Individual results may vary depending upon a number of factors, including creditor participation and your financial situation. Establishment of a debt management plan may adversely affect your credit rating or credit score. Nonpayment of debt may lead creditors to increase finance and other charges or undertake collection activity, including litigation. Ask us for details. We have recently made some changes to our Privacy Policy, please click on the Privacy Policy link above to view these changes.

Mississippi Licensed Debt Management Service Provider, Licensed by Vermont Department of Banking. Licensed by the New York Department of Banking. NOT A LOAN COMPANY - WE DO NOT LEND MONEY. The Commissioner of Financial Regulation for the State of Maryland will accept all questions and complaints from Maryland residents regarding American Financial Solutions (License No.14-18) at 500 North Calvert Street, Room 402, Baltimore, MD 21202, phone number 1-888-784-0136. Corporate Address: AFS 2815 2nd Ave., Suite 280, Seattle, WA 98121. Counseling Center Located at 263 4th Street, Bremerton WA 98337. Copyright © 2006 - American Financial Solutions is a division of the North Seattle Community College Foundation.