Today’s housing market has changed and has become even more challenging for first time home buyers.  Lending institutions are far more restrictive in providing mortgage loans and therefore the need for informed counseling from certified housing counselors is crucial to successfully obtaining financing.

 Baldwin Housing Alliance provides in-depth, comprehensive housing counseling. Our pre-purchase counseling sessions help prospective home buyers determine their current “mortgageabilty”   and assist them in overcoming credit issues that may prevent them from  being  RWA (Ready, Willing, and Able) to realize their dream of homeownership. In addition, a thorough review of both private and government mortgage loan programs, financial subsidies programs, and down-payment  assistance programs are presented and explained in an easy to understand and personal manner.