First State offers pre-purchase counseling to first time home buyers on a fee for service basis.  Our professional Housing Counseling service is designed to help first time home buyers acheive the dream of home ownership.  Our counselors review each applicant's financial status and help them determine the best housing program available based on income and need.

First State's HUD Certified Housing Counselors provide a series of counseling activities for the new home buyer.  These include:
  • Preliminary Intake
  • Pre-qualifying Credit Report
  • Explanation of various mortgage programs and options
  • Development of Financial Analysis Work Plan
  • Assistance with preparing for down payment and closing costs
  • Assistance with the selection of land, existing properties, contractors, realtors, and lawyers.
Thinking of attending?  Then be sure to download these documents...
Our Counselors understand that buying a first home can be thrilling and terrifying at the same time!  Their services are design to alleviate the fear, anxiety, and intimidation that buyers often experience when going through the mortgage application and approval process.  They also understand that the process doesn't end when you receive the keys to your new home!  They stay with their clients after settlement to monitor the new homeowner's progress and provide continued financial counseling, as needed.  If you're thinking about buying a new home, call today for an appointment with one of our counselors.

  In New Castle County call:  (302)498-0454

  In Kent County call:  (302) 674-1355

  In Sussex County call:  (302)856-7761


or call toll free 1-800-372-2240.