Homeownership Made Possible for Those with Debt Problems

CreditWorks is a mortgage loan product that helps people who are working to resolve debt and credit problems buy a home. CreditWorks is currently available through a national initiative by the National Foundation for Credit Counseling, Freddie Mac and local credit counseling agencies, including the Consumer Credit Counseling Service of Greater Atlanta (CCCS) . This initiative helps people burdened with excessive debt and impaired credit become eligible for a market-rate mortgage faster than would otherwise be possible. To take advantage of CreditWorks, potential borrowers must take affirmative steps to improve their credit by participating in a Debt Management Program and participating in homebuyer pre-and post-purchase counseling. The program enables potential borrowers to qualify for a market-rate home mortgage loan, even with very low credit scores, in only 12 months. Benefits of the program include easier mortgage qualification with no maximum housing expense-to-income ratio, the use of funds for a down payment from a variety of sources, including extended family members, Individual Development Accounts and other sources, and the use of premium financing to cover closing costs, financing costs and prepaids/escrows. Eligible properties include 1unit primary residences, including single-family dwellings, condominiums and Planned Unit Developments, and approved manufactured homes. There are no income limits for participation in CreditWorks. Contact Consumer Credit Counseling Services, Housing Department, 100 Edgewood Avenue, Suite 1800, Atlanta, GA 30303. ATTN: CreditWorks Program; 866-616-3716; www.cccsinc.org; Email: housing@cccsinc.org


Income Eligibility: None


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