Camino a Casa
El programa Camino a Casa lucha en preparar a las familias que están interesadas en comprar una vivienda por primera vez. Los clientes trabajarán en colaboración con asesores financieros y consejeros de vivienda certificados por el Departamento de Vivienda y Desarrollo Urbano (HUD) durante todo el proceso de la compra de un hogar. Además de los talleres de aptitud hipotecaria y capacidad financiera, proveemos oportunidades constantes y diversas para la asistencia con el pago inicial, el enganche.
Nuestra filosofía para cada sesión individual implica un enfoque holístico para la creación y reparación del crédito, la estabilidad financiera y la construcción de objetivos a largo plazo. Con el objetivo de guiar y equipar a nuestros clientes, aprenderá todo para tomar las mejores decisiones financieras para su propio caso.
Más allá de nuestras reuniones individuales, ofrecemos talleres intensivos que le ofrecerán información amplia sobre finanzas y los fundamentos de la compra de una vivienda. Aprenderá cómo crear presupuestos, eliminar deudas, y navegar a través de obstáculos financieros
A través de nuestro constante esfuerzo por crear asociaciones en nuestra comunidad, tenemos constantemente una variedad de oportunidades de financiamiento para nuestros clientes con el objetivo de crear o reparar el crédito o crear ahorros.
Si usted está interesado/a en aprender más sobre nuestro programa de vivienda, y nuestras ofertas de financiamiento del enganche y costos de cierre, su primer paso será asistir a una de nuestras orientaciones. Vea aquí para las próximas clases y talleres. Para registrarse, por favor contacte al Departamento de Oportunidad Económica al (503) 961-6432.
The ABCs Of Home-Buying
This 8-hour course is required for mortgage-ready homebuyers. The course is designed to foster sustainable homeownership through sound decision-making and home preservation. Graduates receive a certificate of completion which may be used for other loan products as needed.
Su Dinero, Su Futuro - Financial Education
This Spanish-language financial education course is offered quarterly and covers budgeting, saving, and credit. Currently available in Spanish only.
One-On-One Housing Counseling
Our bilingual, HUD-certified housing counselors work closely with homebuyers to help assess their mortgage-readiness, provide financial analysis, set timelines, and connect them to resources and community partners. We provide support in reviewing loan documents and communicating with third parties, and work as a team with our lender and realtor partners to get clients on the path to homeownership.
Individual Development Accounts (IDA)
IDAs are made possible by the state of Oregon to help fist-time home buyers save money towards their down payment. Funds are matched 3 to 1; up to $3,000 that you save will be tripled up to $9,000.
Eligibility is determined through income qualifications and the availability of funds. There is a $25 non-refundable application fee for this program.
Down Payment Assistance Loans (DPAL)
DPAL is a 0%, 30-year loan available to long-term clients interested in purchasing a home in the Interstate Corridor, Gateway or Lents Town Center Urban Renewal Areas. The program is managed by the Portland Housing Bureau who has contracted the Minority Homeowner Assistance Collaborative (MHAC) to prepare, screen and refer MHAC clients for DPAL.
Hacienda Homeowners: The Escarenos
For most of the 20 years that Gustavo Escareno and his parents Virginia and Miguel, rented an apartment in Clackamas, they didn’t even consider homeownership to be a possibility. However, when their rent nearly doubled from $500 to $980 per month, they started looking at their options. This was what led them to Hacienda CDC’s 16th Annual Latino Home Fair, where they attended a workshop and were among the lucky winners of a down payment assistance raffle. They started working with a housing counselor from Hacienda to get their finances in order and prepare for homeownership, and in just three months they secured a spacious home in Gresham with a big backyard and a beautiful sequoia tree.
Gustavo says that “When we saw the backyard, we knew it was the right home for us.” Virginia and Miguel are excited to have a place of their own to enjoy their golden years, and now when their grandkids visit, they don’t have to sit still in a cramped apartment, but rather have plenty of space to play and can even bring their dogs over. Gustavo and his parents are very excited to be homeowners, and feel more free and independent now than when they were renting.
“Things are different when you have your own house,” Gustavo says. “Everything you do is for yourself, and an investment! It is a place that you can make beautiful.”