All services are provided free of charge to low- and moderate- income clients.

Pre-Purchasing Counseling
AAFE CDF’s pre-purchase homeownership counseling includes purchasing procedures, mortgage financing, down payment / closing cost savings plans, accessibility requirements of the property, and if appropriate, credit improvement and debt consolidation.

Access to Credit / Mortgage Origination
AAFE CDF counsels clients on their financial situation and assesses their readiness for homeownership, assists with the preparation of applications, provides translation for applicants, maintains records and tracks applicants information, and provides individual counseling for those with poor credit histories or budgeting problems.

Post-Purchasing Counseling
After closing, the AAFE CDF continues to provide services on such issues as property maintenance, personal money management, and accessing home equity.

Landlord Counseling
The AAFE CDF provides required landlord and tenant training for those interested in purchasing 2-4 family homes.

First Time Homebuyer Course
This is a 3 session, 15 hour workshop held on 3 consecutive Sundays, focusing on all aspects of the homebuying process. An award winning program, these courses are held three times a year with a limit of 20 students per course. Click here for more info.

Mortgage Delinquency and Default Resolution
These programs, for clients in danger of payment delinquency or foreclosure, include guidance on restructuring debt, reinstatement or forbearance plans, and loss mitigation services.