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Next Steps For Becoming A Homeowner:

1. Contact one of the SHO agencies to obtain more information.
2. Attend a FHA-HUD approved 8-hour class.
3. Complete and return an application to the agency you contacted.
4. Attend a one-on-one counseling session with a housing counselor to evaluate your eligibility.
5. Counselor will determine eligibility and subsidy.
6. Complete your individual work plan- save, budget, clean credit, etc.
7. Counselor will recommend preferred lenders and realtors before starting the home buying process.