One-on-one credit counseling will be available to assist applicants evaluate their individual situation and determine where they are in the home buying process. The counselor will review and discuss applicants credit report, create an action plan that specifies each action necessary for paying off collections, charge offs and etc. or reducing debt, evaluate applicants monthly budget to determine the price range the applicant can afford, and develop a plan that will lead to future home purchase. Once the applicant is ready to purchase the counselor will conduct a pre-qualification analysis to determine the purchase price they may qualify for, the monthly payment and cash needed to purchase and how assistance programs may help.