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" for you to follow.  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. 

QUICK LINKS

Step 1 - Complete your HBR Class

How Do I Get Started?

Download, complete, and sign the application and attached disclosure and authorization forms.  Then, click on the appropriate button on the right to submit the processing fee.

How much will it cost?

Housing counseling services are FREE, however there is a $32 for single applicants processing fee ($62.50 for a joint applicants) which includes a credit report from the three major credit bureaus. This is considered a soft pull and will not affect your credit score.  The fees are effective January 9, 2023.

​​​Download Application 

How Our Process Works

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

  1. A Counselor will provide an action plan to address credit and income issues.
  2. Attend the Financial Fitness course offered monthly.
  3. Attend a Homebuyer Readiness meeting offered quarterly.
  4. Request Update Appointment once action plan items are completed. 
  5. Ready to purchase?  Then, follow ready to purchase process above.  Still have work to do?  Then, repeat this process, if necessary.

      If you are credit ready to purchase:

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

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 plan to address the issues that you may be facing. TLC will be there to guide you along this process.