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Alabama's Neighborhood Housing Services offers first-time homebuyers educational courses to help answer the questions that come with buying a home. The classes are offered online and at the office in Birmingham, for low- to moderate-income borrowers.

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FHA.com is a privately owned website, is not a government agency, and does not make loans.

Neighborhood Housing Services

Neighborhood Housing Services recognized that many first-time homebuyers would benefit from counseling and education in matters of home buying and the mortgage process. That led them to offer classes online and at their office in Birmingham, for low- to moderate-income borrowers.

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There are many questions that come up in the mortgage process. How should I start shopping for a home loan? What does my credit score need to be? What are the hidden costs associated with a mortgage?  With its homebuyer education courses, the Neighborhood Housing Services of Birmingham aims to help borrowers answer these questions to help them become more confident and find the most affordable route to owning a home.

The Birmingham office has homebuyer education classes on the first Saturday of every month. They have also partnered with eHome America to provide a web-based homebuyer education program that combines online and in-person housing counseling, making it easier for potential homebuyers to learn at a time a place that is most convenient for them.

Buying a home can be a stressful time, and the more educated you are, the more confident you’ll be in your decisions. Homebuyer education courses are proven to be beneficial for first-time homebuyers, making it 67% more likely to stay current on the mortgages. Many borrowers who have completed such courses qualify for special financing programs or down payment assistance that will increase the affordability of homeownership.
 
Note: All information mentioned above was accurate at the time of publication and may no longer be current - visit the program website for updated information.

First-Time Home Buyer Programs in Alabama

The MHA Home Ownership Program program provides first-time homebuyers safe and affordable opportunities to purchase their first home.

Alabama's Neighborhood Housing Services offers first-time homebuyers educational courses to help answer the questions that come with buying a home. The classes are offered online and at the office in Birmingham, for low- to moderate-income borrowers.

In an effort to assist first-time homebuyers to take on the challenge of homeownership successfully, the City introduced the First Time Home Buyer Loan Program.

Alabama's Community Development Department of the City of Huntsville offers first-time homebuyers two programs to help make their dreams of homeownership a reality, the Single Family HOME Ownership Program and the Down Payment Assistance Program

First-time homebuyers are offered assistance in buying a new home with the THA Homeownership Program.

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First-time homebuyer assistance programs and/or grants were researched by the team at FHA.com. Please note that all programs listed on this website may involve a second mortgage with payments that are forgiven, deferred, or subsidized in some manner until resale of the mortgaged property.

FHA.com's compilation is not a complete list, but it can serve as a starting point in your search for the down payment assistance program or grant for your situation. It is up to the consumer to contact these entities and find out the specifics of each program.

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