We’ve Got You Covered

Home Sweet Home ("HSH") is an organization of former loan officers and financial planners dedicated to helping families become homeowners via the Home Ownership Program. Home Sweet Home is NOT a credit repair or debt settlement organization.

This program is unique because it offers a "complete package". Specifically, our organization helps families improve their credit AND become homeowners. We assist, educate, and guide buyers to become "loan-ready".

HSH specializes in overcoming any obstacles or issues blocking them from rental or mortgage approval. We advise and educate our clients concerning financial advice and planning; credit advice and management, as well as real estate consultation.

The Home Ownership Program is a client "game plan" to obtain housing. Clients receive advice, education, and assistance with regard to financials and credit in order to qualify for home loan financing.

Home Sweet Home provides financial and credit advice and planning services through the Home Ownership Program. Our sole focus is to assist our clients in obtaining home loan approval. However, we do provide real estate advice for those seeking housing.

If you are currently in need of housing, we can provide you a real estate agent referral provided each of your credit scores are greater than 600.

Yes, it does. See our Money Back Guarantee and Cancellation Policy.

Just check out our Dare to Compare document. We think you'll agree - OUR PROGRAM IS UNSURPASSED IN EXCELLENCE:

The Home Ownership Program is NOT a credit repair program.

It's much better and more comprehensive. In fact, it a "game plan" of financial guidance, advice, and education to help people own a home.

The Home Ownership Program was developed and designed to be home loan "friendly" and powerfully effective. Indeed, the program was developed by Home Sweet Home management who has both a mortgage lending and real estate brokerage background. The combined experience of these professionals is 40+ years of service in these areas. This stands in stark contrast to those credit repair companies who have no such experience in either lending or real estate.

If you have damaged credit, we recommend you enroll in the Home Ownership Program immediately. Why? Try searching for housing with bad credit. Invariably, each and every application will be denied - repeatedly. In fact, the average credit and background check costs about $100 per application submitted. On average, an applicant can easily spend (waste) in excess of $700 with NO HOME insight.

Finally, persons with bad credit usually must pay heavy "risk premiums". Normally, these include much higher rent payments and hundreds (if not thousands) in additional move-in costs or down payment funds.

With the Home Ownership Program, (in many cases) we guide renters and buyers to loan-ready status. In the best case scenario, our program may be able to add 50, 100, even 150 points to a credit report score within 30 days. Of course, individual results apply.

Some of the score movement may be manipulated simply by adjusting balances. In other cases, disputing derogatory, disputed, inaccurate or obsolete information may result in erasure of negative credit information pursuant to the provisions of the Fair Credit Reporting Act.

Depending on your credit and credit scores (or if you have no credit scores), you may be able to qualify for a home loan immediately. Still, some conditions will apply.

Also, the Home Ownership Program will help you establish a solid game plan to establish and manage new credit accounts. Ideally, each applicant should have a certain number of established accounts to qualify for a home loan. In some cases, applicants may need qualifying accounts that could be added to the credit report to establish higher credit scores.

Also, having the right financials in place is important too. Your Home Sweet Home Adviser will help you address other issues beyond credit.

Many times, borrowers who have seemingly "higher" credit scores may not qualify for a home loan. Sometimes, it may be just one or two negative accounts. Other times, it may be certain ratios are too far "off-the-mark" to qualify. Still, it may be a tax issue, ID theft, or some other issue.

In any case, the Home Ownership Program can help you solve those issues and plan a path towards homeownership. In addition, the Home Ownership Program can also plan your path in a comprehensive financial manner.

We understand as many of our clients come from other services. The managers of Home Sweet Home have experience in financial advising and planning, credit management, real estate, and lending. This is a comprehensive background that works very to the benefit of our clients.

Many times, our competitors only focus on only "part" of a client's financial picture. On the other hand, the Home Ownership Program focuses on providing comprehensive financial advice, planning, guidance and education on a number of personal finance issues including credit.

Ultimately, the Home Ownership Program is designed to deliver comprehensive results than what most of our competitors can deliver. And, this is the main reason why most of our clients switch to doing business with Home Sweet Home.

Yes. Home Sweet Home offers specialized financial advice on disputation strategies to combat ID theft with regard to applying for a home loan.

However, Home Sweet Home does not offer legal advice. If you have questions about your rights under the law, please consult your attorney. If you do not have an attorney or ID theft protection, please let your Home Sweet Home Representative know.

There are cases where bankruptcy makes sense. Such reasons include bad health, the loss of a breadwinner or disability, saving a house from foreclosure or extreme amount of debt.

No doubt, bankruptcy can and does wreak havoc with acquiring housing. Meeting with an Home Sweet Home professional is a must to get proper financial and housing advice prior, during, and after a bankruptcy filing.

Many times, information reporting in relation to a bankruptcy may be reporting in error and Home Sweet Home can assist in helping the client rectify those issues.

Overall, some lenders have certain restrictions on bankruptcy.

Not to worry, we can explain and assist with regard to the lending process and the requirements lenders have regarding bankruptcy.

Home Sweet Home does not give legal advice. If you have questions about your rights under the law, please contact your attorney. If you do not have an attorney, please let your Home Sweet Home Representative know. If you have already filed bankruptcy and have questions about your bankruptcy or need a copy of the bankruptcy petition, consult with your bankruptcy counselor who filed the petition on your behalf.

Yes, Home Sweet Home may be able to help depending on your situation. For sure, if there were special circumstances, we can help. Indeed, if you had an episode of:

• Bad health
• Job loss
• Disability
• Negative pandemic impact

However, documentation will play a big part. All things considered, the Home Ownership Program may work for you - even if you were evicted. Furthermore, the Home Ownership Program can help you develop and substantiate a good letter of explanation. All in all, goodwill is key.

Also, the Home Ownership Program can help with a number of financial and credit issues beyond eviction.

This program is NOT for "professional" tenants. Even in cases of multiple evictions, you do have some limited options. In fact, some of these options you may not have considered. Call for assistance.

Home Sweet Home does not provide legal advice. Please consult your attorney for any concerns you may have regarding your rights under the law. If you do not have an attorney, please let your Home Sweet Home Representative know.

The Home Ownership Program can run an analysis of your situation. Considering such an event, you may still be able to obtain another house or rental. You need to advise our staff if you have a short fall (deficiency) judgment.

By and large, it's never too late to get into a home again. In a word, there is hope. The Home Ownership Program can be your guide. In any case, you can own again.

Home Sweet Home does not render legal advice. You may need to consult your attorney to answer any questions about your rights under the law. If you do not have an attorney, please let your Home Sweet Home Representative know.

Yes. There is a special document we can provide you. Use it to show a prospective landlord proof you are enrolled in an industry approved program. This normally helps with the approval process and a number of clients have had success using this strategy.

Yes. Regardless of whatever issues or challenges you may be facing; this program can help you refinance the loan on your existing property. Your Home Sweet Home Representative can help resolve whatever challenges you may be facing.

Yes. You may have some options available to you. Establishing an additional income stream may be all that is required. Also, finding a roommate or family member as a co-applicant can help with income qualification.

Furthermore, there are a number of ways you can increase your income, including, but not limited to, part-time employment as well as fundraising and crowdfunding. Our program can lead you in the right direction.

Yes. Typically, we educate our clients on how to use a debt settlement technique that can settle a disputed debt. Finally, the technique includes a deletion clause to get the account deleted from your credit reports. Sometimes the savings can be significant.

Home Sweet Home does not offer legal advice. If you have legal concerns or questions about your rights under the law, please contact your attorney. If you do not have an attorney, please let your Home Sweet Home Representative know.