Start with our Housing Counseling process where an NCHEC certified counselor will help you become financially stable and make you feel confident when it comes time to apply for your mortgage.
When you're ready to talk mortgage, the FMHA's licensed Mortgage Originator will help you find a mortgage that is right for you. Our loan officer will put you first! We offer loans for all income levels and work hard to get the best loan product for your specific needs.
For those already owning a home, we offer Home Repair loans for low to moderate income home owners. Come in and meet with our certified Housing Rehabilitation Specialist for those much needed repair issues such as a leaking roof, broken HVAC, worn out siding, and more.
We can also help you during the hard times. If you find yourself falling behind with your mortgage payments come in and see a counselor for Mortgage Delinquency Counseling.
The HOC is proud to have a strong community partner base helping us to provide all of the above services to the community, and are grateful they continually allow us to expand the products and services we offer to our customers. To learn more about them, check out the Our Partners page.
Note: If you have an impairment, disability, language barrier or otherwise require an alternative means of completing forms or accessing information about FMHA programs, please contact FMHA staff about arranging alternative accommodations. - For Telecommunications Relay Service (TRS) please dial 711