Buying a Home

Pre-Purchase Counseling

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 understand the lending process and provide information to assist you in making important decisions for financing your home.  As part of your counseling session, your counselor will explain the full costs of homeownership and help you create a budget that balances your new obligations. Your counselor will also highlight available resources that may be useful in meeting your financial needs.

Upon completion of the pre-purchase housing counseling session, you will be issued a certificate of participation. If you choose to proceed with the loan process, your lender may require this certificate.

Counseling is available in both English and Spanish.  

Loan Document Review Counseling

Our Housing Counselors also offer loan document review services for High-Cost Mortgages when lender’s require a Certificate of Counseling.  This is a valuable service to homeowners seeking assistance to understand Fair Lending and Affordability topics. Working with a Housing Counselor will help you gain a better understanding of how to review your loan documents and the costs of the new loan you are entering into.  

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.