Testimonial
"I’d like to thank CNHS for helping me get into my condominium. Searching for a home can be very intimidating. It took a lot of discipline and 5 years to re-establish my credit. The classes I attended at CNHS helped me understand the buying process and what questions to ask.
After 2 years of patiently looking, I found the right property and the right financing program—both within my budget. CNHS helped me to choose a realtor who understood the market. I was expertly guided through the negotiation process and my interests were protected.
CNHS helped me understand and overcome my shortcomings and surrounded me with professionals making the entire process run smoothly. Again, I’d like to thank the staff at CNHS for their support and guidance."
J. Elliott Harris
I Want to Own a Home
Individual Services
Community Neighborhood Housing Services (CNHS) is a HUD approved non-profit FREE counseling service provider. Our professionally trained Housing Counselors provide, free, one-on-one counseling to potential homebuyers and homeowners seeking assistance with financial management, home purchase, mortgage refinance, second mortgages, home improvement loans or foreclosure.
CNHS counselors and educators attend training throughout the year at the NeighborWorks Training Institute (NTI). NTI has set the national standard for home buyer education and is recognized as the industry leader for its rigorous curriculum and testing in the community development field.
Pre-purchase Counseling
Find out if you are ready or not to purchase your first home. Set up a free appointment with our pre-purchase counselor to look at your credit and find ways to improve it if needed. Review also how to budget and savings strategies that will make buying a home easy.
Items to bring to your appointment may include the following:30 days of pay stubs2 months of bank statements3 years of Federal 1040’s and W2’sFunds for a tri-merged credit report (see amounts below)Uniform Residential Loan Application
Real Estate Agents and Loan Programs
Our counselors can recommend experienced real estate agents that keep first time home buyers needs in mind, as well as resources to loan officers and various loan programs throughout the Twin Cities, including down payment assistance.
HomeStretch Workshops
Our eight-hour HomeStretch Class is one of the best ways to get the knowledge you need to purchase a home without getting ripped off. Our class will give you the confidence to make the right decision when it comes to one of the biggest purchases of your life. Classes are offered in English and Hmong at least three times a month. With the certificate of completion, you will be given discounts on your mortgage insurance and access to some of the best first time home buyer loan programs in the state! Click here to learn more about our HomeStretch Workshops or to register.
Counseling Credit Report Fees
Tri-merged soft pull credit report for one person: $13.00
Tri-merged soft pull credit report for two people: $25.75
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