The Homeownership Urban Blueprint

The Homeownership Urban Blueprint

The Blueprint to Your Dream Home

Navigate your home buying process with confidence
and ease with people you trust.

Get Connected in the Marketplace

Equity Mission: Transforming Real Estate for Equality.

Join our mission to create a more equitable real estate industry. Our online platform connects mortgage-ready buyers with diverse housing counselors, lenders, and developers to streamline the homebuying process.

We support diverse homebuilders and promote diversity in the realty and appraisal trades. Let’s build wealth and equity for all.

who we are.

Our mission is to support 5,000 diverse individuals in their journey to homeownership.

The Homeownership Urban Blueprint is committed to providing education, resources, and access to affordable housing options to individuals and families. We prioritize those who have been historically underserved in the housing market. We believe that everyone deserves a safe, decent, and affordable place to call home, and we work tirelessly to make this a reality for as many people as possible.

44%
According to a study by the National Association of Realtors, the homeownership rate for Black Americans in 2020 was 44%, compared to 75.8% for White Americans.
47%
In a study conducted by the Federal Reserve, 47% of Black homeowners reported experiencing discrimination in the homebuying process, compared to 7% of White homeowners.

“I was blown away by the level of support I received from the Housing HUB team. Their platform allowed me to list my new homes, and their network of potential homeowners helped me connect with interested buyers in no time…..”

Pete Daniels

ATL Developer

PREPARING FOR HOMEOWNERSHIP: YOUR TOP QUESTIONS ANSWERED

To determine how much house you can afford, you need to consider your income, debts, and other expenses. A good rule of thumb is that your total housing costs (including mortgage, property taxes, and insurance) should not exceed 28% of your gross monthly income.
You can also consult with a Department of Housing and Urban Development (HUD) -approved housing counselor who can help you understand your financing options and determine how much house you can afford.
Resources: Mortgage Calculator

Resource: The National Association of Realtors offers a homebuying checklist, which can help you keep track of the features and factors that are important to you when house-hunting.

Many types of financing options are available, including conventional mortgages, FHA loans, VA loans, and USDA loans. Each option has its own requirements and benefits, so it’s important to research and compare them to find the one that best fits your needs.


Resource: Our housing counselors can help you understand the different types of loans available and the pros and cons of each.

Visit our Down Payment Assistance (DPA) page to learn more about programs being offered.

When house-hunting, you should consider factors such as location, size, layout, condition, and price. You should also consider the neighborhood and the proximity to schools, transportation, and other amenities.

Several programs are available that offer assistance with down payment and closing costs, including grants, loans, and employer assistance programs.


Resource: The Department of Housing and Urban Development offers a list of homebuyer assistance programs by state, which can help you find programs in your area that offer down payment and closing cost assistance.

Visit our Down Payment Assistance (DPA) page to learn more about programs being offered by HUB vendors.

Step-by-Step Guide to the Homebuying Process: Watch our Video Now!

Making informed decisions is easier when you have a blueprint of your homebuying process to follow.

4 Steps to Homeownership

Step # 1 Homebuyer Education & Counseling.
Homebuyer Education & Counseling

Before beginning the homebuying process, it's important to get educated and informed. One way to do this is by attending a HUD-approved Homebuyer Education Workshop, where you can learn about the different types of mortgages, the homebuying process, and how to manage your finances as a homeowner. You can also sign up for a 1:1 Counseling Session with a HUD-approved housing counselor for personalized guidance and support.

Step # 2 Secure Pre-Approved Mortgage Loan.
Secure Pre-Approved Mortgage Loan

Once you have completed your homebuyer education and counseling, it's time to secure a pre-approved mortgage loan. This involves meeting with a Mortgage Lender to discuss your financing options and apply for financing. After reviewing your financial information, the lender will offer you a pre-approval, which is a conditional commitment to lend you a specific amount of money to purchase a home.

Step # 3 Find Your Dream Home.
Find Your Dream Home!

With your pre-approval in hand, you can begin shopping for your dream home with a licensed agent/broker right here in The HUB. When you find a property you're interested in, it's important to get a home inspection, appraisal, and homeowners insurance before making an offer and signing a contractual agreement. You can find a certified community partner in our Marketplace. This will ensure that you know the true condition and value of the property and that you're protected in case of any unexpected events.

Step # 4 Secure Final Approval of Mortgage Loan.
Secure Final Approval of Mortgage Loan

After you have made an offer on a property and it has been accepted, it's time to secure the final approval of your mortgage loan. This involves the Mortgage Loan Underwriting process, where the lender reviews your financial information and the property information to ensure that everything meets their lending criteria. If everything checks out, you'll receive Final Mortgage Loan Approval.

4 Steps to Homeownership

Step # 1 Homebuyer Education & Counseling.

Learn More
Homebuyer Education & Counseling
Before beginning the homebuying process, it's important to get educated and informed. One way to do this is by attending a HUD-approved Homebuyer Education Workshop, where you can learn about the different types of mortgages, the homebuying process, and how to manage your finances as a homeowner. You can also sign up for a 1:1 Counseling Session with a HUD-approved housing counselor for personalized guidance and support.

Step # 2 Secure Pre-Approved Mortgage Loan.

Learn More
Secure Pre-Approved Mortgage Loan
Once you have completed your homebuyer education and counseling, it's time to secure a pre-approved mortgage loan. This involves meeting with a Mortgage Lender to discuss your financing options and apply for financing. After reviewing your financial information, the lender will offer you a pre-approval, which is a conditional commitment to lend you a specific amount of money to purchase a home.

Step # 3 Find Your Dream Home.

Learn More
Find Your Dream Home!
With your pre-approval in hand, you can begin shopping for your dream home with a licensed agent/broker right here in The HUB. When you find a property you're interested in, it's important to get a home inspection, appraisal, and homeowners insurance before making an offer and signing a contractual agreement. You can find a certified community partner in our Marketplace. This will ensure that you know the true condition and value of the property and that you're protected in case of any unexpected events.

Step # 4 Secure Final Approval of Mortgage Loan.

Learn More
Secure Final Approval of Mortgage Loan
After you have made an offer on a property and it has been accepted, it's time to secure the final approval of your mortgage loan. This involves the Mortgage Loan Underwriting process, where the lender reviews your financial information and the property information to ensure that everything meets their lending criteria. If everything checks out, you'll receive Final Mortgage Loan Approval.

The Homeownership Urban Blueprint

Homebuyer Workshops & Events

Into the HUB

Stay informed with the latest news and insights on homeownership, community development, lending and
social impact.

Tony Jean-Louis HUD Certified Housing Counselor, ULGA

The initiative, generously supported by Wells Fargo, aims to combat housing challenges and expand homeownership, making a profound impact. A quick Google search reveals the harsh reality: 2,000 people in Atlanta experience homelessness due to housing unaffordability. This cause, focused on strengthening homeownership, is one every professional should embrace. I firmly believe it will catalyze homelessness reduction and empower countless individuals to achieve homeownership. The active involvement of professionals resonates deeply with me. If housing accessibility is indeed a fundamental right, it’s clear this vital piece has been missing. This initiative ignites hope that in five years, we’ll witness its fruition and reap its benefits together.

Tony Jean-Louis

ULGA Housing Counselor

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