NMLS #372580

​​​​​Tallahassee Lenders' Consortium, Inc

dba TLC 

Housing Counseling Services

What happens next?

You will meet with a Counselor one-on-one to review your current financial status. The Homeownership Specialist will develop an "Action Plan". Your customized plan will address the key issues relevant to qualifying for a mortgage. The key issues are budget management, current debt-to-income ratio, affordability, income, and credit. 

How much will it cost?

Housing counseling services are FREE, however there is a $26 per person processing fee ($52 for a joint application) which includes a credit report from the three major credit bureaus. This is considered a soft pull and will not affect your credit score.

How Our Process Works

Click one of the following buttons to submit the processing fee:

If there are issues on your credit report and you are not ready to purchase:

  1. Counselor will provide action plan to address credit and income issues.
  2. Attend Financial Fitness course offered monthly.
  3. Attend Homebuyer Club meeting course offered quarterly.
  4. Request Update Appointment once Action Plan items are completed. Effective 5-16-2019 the $26.00 application fee ($52.00 for joint) will be required for the updated credit report. 
  5. Ready to Purchase, follow Ready to Purchase process.  Still have work to do,  repeat Process as needed.

If you are credit ready to purchase:

  1. Meet with one of our Member Lendersfor pre - approval.
  2. Meet with Realtorand begin search for a home.
  3. Once contract is executed, Member Lender reserves DPAfor you.
  4. You will meet with TLC Loan Officer for DPA application & processing.
  5. Prior to closing you will need to provide TLC with copy of homeowners insurance policy and home inspection.

The Tallahassee Lenders' Consortium provides Pre-Purchase Homeownership Counseling, Financial Fitness, and Foreclosure Prevention Counseling. These services will provide guidance and support based on an individual basis. If you have goals to own your own home, budget management or to avoid foreclosure, our HUD Certified Homeownership Specialists will help you through the process. Our one-on-one counseling sessions will provide you with an "Action Plan" to address the issues that you may be facing. TLC will be there to guide you along this process.