row of homes

About the HomeOwnership Center

Let us be the ones to help you get your first home and keep it! Buying a home can often feel like a roller coaster ride. Let the HOC help you through the process.

The FMHA HomeOwnership Center follows the full cycle lending model. HomeOwnership Center CycleWe believe in a one-stop, customer-first approach to home buying and strive to keep our clients for life!

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.