Community program mortgage center

First steps: Complete a client intake packet and HCA counselors will enroll you in a renter and financial education workshop. Emergency loan program: Money when you need it. Housing counseling: Create a budget and action plan to obtain a rental. Renter and financial education: Free workshops lay the groundwork. First steps: Complete a client intake packet, and HCA counselors will enroll you in a homebuyer workshop.

Homebuyer education: Free workshops lay the groundwork. Pre-purchase counseling: Get a free mortgage qualification estimate, increase savings, and improve your credit to become a homeowner.

Did you know childcare can cost up to one-third of your income? Are you a Native Hawaiian farmer looking for financial assistance? Hawaiian Community Assets offers services for every step of the way, from debt recovery and job placement, to education and career advancement.

No matter your situation, we have solutions to steer you smoothly on the path toward homeownership and financial stability. Hawaiian Community Assets provides a wealth of resources—one-on-one consultations, classes, workshops, meetings and community events—all aimed at helping you meet your personal financial goals.

HCL is a c 3 nonprofit U. Treasury-certified community development financial institution that provides our clients with grants, loans and help with mortgage financing.

To learn more about assistance available to Financial Opportunity Center clients, visit www. Slide 1. Learn More. Enroll Today.

Welcome to Hawaiian Community Assets. CTI cannot accept paper applications unless there are extenuating circumstances. We do recognize there will be circumstances that someone will need a paper application however this has to be done through the Resource Center who is helping the RAFT program by discussing these circumstances with the client.

When a client needs help completing a RAFT application because they do not have access to technology, we have staff who can assist them by appointment only. Clients must contact the Resource Center who will guide them in the right direction. Please visit this link to learn more about HAF and to see if you may be eligible. To apply to Mass HAF, visit www. Landlords should be aware that Chapter B of the Massachusetts General Laws prohibits discrimination by a landlord against any tenant receiving federal, state, or local housing subsidies, including rental assistance or rental supplements, because the individual is such a recipient.

The My Community program was created by Fannie Mae with the intent to provide low rates, minimal risk-based price adjustments, and reduced mortgage insurance costs to home buyer who meet certain requirements. Photo by Daniel E Lee. The program has a no loan-level-price adjustments. These on a conventional loan could lead to the borrower paying more due to the higher risk associated for the lender, however this is not the case with the My Community Mortgage program.

A few LLPAs to consider are the following:. A positive attribute of this loan program is that is has reduced mortgage insurance costs.