Step 1: Counseling

The first step in working with GAHLI is scheduling a pre-qualification interview with a GHCS housing counselor. 

What you should bring to the interview:

• $25 non-refundable processing fee (paid upon acceptance into the program)
• photo identification (such as a driver’s license)
• proof of income and employment for the past three years (recent pay stub, federal tax returns along with W-2’s for the last three years)
• proof of monthly expenses (such as car payments, child support, alimony, credit card charges)
• bank statements showing current checking and saving account balances

During the one-hour counseling interview, program eligibility will be discussed, including lender income requirements and asset guidelines, proposed housing and debt limits, and creditworthiness. You will be asked to sign an authorization for GHCS to obtain a credit report (at no additional charge). If you are not ready to purchase a home, the GHCS staff will work to determine what steps might be necessary to qualify you for assistance in the future. GHCS staff will counsel you on how to get help with such problems as delinquent credit, insufficient savings, excessive debt, or unstable employment history. 

Step 2: Homebuyer Education