Housing Counseling:

Consultations are one on one session with an NHDC staff professional tailored to meet the individual needs of each client. In addition to pre and post purchase questions, other topics might include fair housing, landlord-tenant issues, mortgage delinquency and foreclosure intervention. NHDC is a HUD-certified Housing Counseling Agency.


Follow these steps to enroll as a participant in the NHDC 1st Time Home Buyer Program:

• Download the Personal Profile Intake Form and Document Checklist.

• Complete the entire application. Make sure it is signed and dated. If there is a co-applicant, make sure that all of their information is provided as well.

• Make copies of all pertinent documents listed on the Document Checklist. If needed, the Housing Counselor can make copies when you arrive for your appointment.

• If you do not have a current credit report (within 30 days), a $9.00(single),
$14.00(couples) processing fee should accompany your personal profile intake form and required documents listed on the Document Checklist. The fee should be in the form of a check or money order made out to NHDC. Bring or mail in your completed application packet to: 633 NW 8th Avenue, Gainesville, FL. 32601

• Make an appointment with the Housing Counselor to begin processing your personal intake form. Have your documents ready. (See the document checklist in your packet). Meet with the Housing Counselor for a personal and financial assessment and develop a plan to resolve any credit or financial issues. Discuss your goals towards purchasing a home and devise a plan for the next steps towards ownership. It is good to write down any questions you may have ahead of time, and bring a list with you during your consultation. Take good notes.

• Enroll in the Financial Fitness or the Home Buyers Education Class.

• Make a follow-up appointment with NHDC's Housing Counselor.

• Start shopping for your Realtor and Mortgage Lender.

• Congratulations on the purchase of your home!!!!



Who is eligible?

First Time Homebuyers: An individual, couple or family who has not owned a home in the past three years. This requirement can be waived in some circumstances.

Income Eligible Household: There are maximum income limitations based on the size of the household. Our Housing Counselor and Team can provide you with details.

Homebuyer Training Program: Participant household must attend and complete an approved NHDC Home Buyer Education Seminar, which is held on a normal monthly basis throughout the year