As part of your homebuyer counseling, a credit report is needed to assess your mortgage readiness and credit hurdles. You may supply a copy of your own current scored credit report or pay RUPCO to pull it. The paid report is a soft-pull tri-merge credit report that does not affect your credit score as it is for counseling purposes only. You will pay for this report in advance of your counseling session and a copy will be provided to you.
- Individual Single Report – $18.50
- Married Joint Report – $32.20
Homebuyer Education is required if you are receiving grants or certain loan products from third-party lenders. You must complete this before you purchase a home. We recommend you complete this only after your counselor has directed you to do so. In-person classes are conducted in a 2-part series when available. Check with your counselor for the schedule.
An online alternative is available through ehome America, which accepts payments directly on their website (do not pay for online classes through this payment hub).
- In-Person Homebuyer Education Full series -$99.
If you are a Housing Choice Voucher Homeownership program applicant, your credit report and in-person education fees are waived. Please check in advance with your housing counselor. ehomeAmerica third-party online class fees are not waived.
Prices are subject to change without notice.