Buying a Home

Looking at your complete financial situation, we will help you with steps such as:

  • Understanding what lenders look for when you are qualifying for a loan
  • Determining how much you can borrow
  • Setting up a budget to save for a down payment
  • Informing you of down payment assistance programs in your state or
    local community
  • Reviewing your credit report

Buying a home is one of the biggest credit decisions people ever make. American Financial Solutions (AFS) offers consumer credit counseling and housing counseling to clients in Washington State to help them make smart choices as they prepare to purchase a home.  In confidential, one-on-one counseling sessions, our certified housing counselors will help you assess your current income and assets, versus your monthly expenses and debts.  Counseling is available in both English and Spanish.

Working in partnership with the Washington State Housing Finance Commission and the Washington State Department of Financial Institutions, AFS assists clients to meet their housing needs.

NEW!  FHA Back to Work Program

AFS provides the required housing counseling for the new FHA Back to Work Program.  Please fill out and return the pre-counseling documents by clicking on the Pre-Purchase Intake Packet link above. Once we have received your documents, a housing counselor will contact you to make an appointment for your counseling session.  Please note that there is a one time charge per borrower of $20 to pull a credit report.

 If you have trouble viewing the documents and need them mailed or faxed, please call 888-864-8699. For detailed information on this program, please visit:

Housing Resources Bainbridge

Housing Resources Bainbridge makes homeownership possible on Bainbridge Island WA.

We partner with American Financial Solutions to help you prepare for homeownership by reducing debt, improving or establishing credit, completing pre-purchase homeownership counseling or resolving other financial issues.

For assistance, please call 888-864-8699.