Home Owner Help

Buy a home, keep a home, think about a home. We can help.

They say home is where the heart is. It is also key to your family's physical and financial stability. Whether you are buying a home for the first time or wanting to avoid foreclosure, Gateway financial counselors can help you with your home-ownership needs.

Housing Counseling Services

Pre-Purchase Counseling

Whether you are a first-time home buyer or a homeowner who wants to move, a Gateway financial counselor can help you prepare for the process and finances of owning a home. This is accomplished through a detailed budget analysis and an achievable financial plan that meets your needs. We can also be with you every step of the way as a neutral party helping you navigate the process of purchasing a home.

Fee: This service is offered on a sliding-fee scale, depending on your household income. No one is turned away due to inability to pay.

Home Owner Counseling

Whether you are a recent home buyer or you have been in your house for a long time, our financial and housing counselor can help you prepare for the routine and emergency costs of safely maintaining a home.

Fee: This service is offered on a sliding-scale fee, depending on your household income. No one is turned away due to inability to pay.

Free Foreclosure Prevention Counseling

This service assists homeowners or renters who are facing foreclosure. Our financial counselor will act as an intermediary for you and attempt to develop an acceptable plan to your lender. All plans are workable to a client's budget, helping hundreds of families through the years keep their homes.

This service is free: It is critical for your family's emotional, physical and financial stability to keep your home. If you are in need of this service, call or email Gateway as soon as possible. The sooner we can start, the better.

Reverse Mortgage Counseling

Gateway has one of the only reverse mortgage counselors in Alabama. This service is for clients 62 years of age or older that own a home or have significant equity in their home and need extra income for which the house could be used. Our reverse mortgage counselor can analyze your unique situation and advise whether a reverse mortgage could be beneficial.

Fee: Reverse mortgage counseling costs $150 and can be paid up front or later into the loan.