If you can afford a 20 percent down payment, you may not be required to get private mortgage insurance which is an additional cost. If you follow these tips, you should be well on your way to getting a home mortgage. With your financial house in order, you may also be able to negotiate a better deal on your mortgage and home. Consumer Credit Counseling Service of the Gulf Coast Area, Inc. is a non-profit, community service organization that provides professional financial guidance, counseling and debt management assistance to consumers. CCCS is primarily funded by national, regional and local creditors and businesses.
Counseling is available in person and by phone.
Spanish speaking counselors are available.