Buying a home is a big milestone in life, especially if it’s your first time. That’s why BCL of Texas offers no-cost 1 on 1 pre-purchase and post-purchase homeownership counseling. Whether you just purchased your home, are ready to buy, or want to work on your personal money management, our expert HomeOwnership Specialists will help you with budgeting, credit building, savings, and more.

Financial Capability Coaching

BCL of Texas offers one-on-one financial coaching to help you reach your financial goals. Our certified financial coaches can help you turn your dreams into reality by helping you create a step-by-step action plan to:

  • Manage and reduce debt
  • Create and stick to a budget
  • Improve credit
  • Save to buy a house
  • Plan for college or retirement

You set your goals. We guide you along every step of the way to make sure you reach them.

To sign up for your coaching session:

  1. Submit a short inquiry form.
  2. A HomeOwnership Counselor will contact you to set up a time for coaching.

HomeOwnership Pre-Purchase Counseling

Ready to purchase your first home or still thinking about it? Our expert HomeOwnership Specialists will prepare you for buying a home by coaching you in the following areas:

  • Mortgage Pre-qualification
  • Shopping for a Home
  • Purchase Contract
  • Budgeting, Saving, and Credit Scores
  • Loan Closing and Settlement Costs
  • Getting a Mortgage Loan
  • Maintaining your Home
  • Energy and Water Conservation Tips, and more

To sign up for your coaching session:

  1. Submit a short inquiry form.
  2. A HomeOwnership Counselor will contact you to set up a time for coaching.

Post-Purchase Counseling

Post-Purchase education and counseling is a vital part of the homebuyer education process because it supports successful long-term homeownership. With this in mind, the program is designed around financial management, for example to help homeowners build savings and be more prepared for dealing with unforeseen events, such as the loss of a job, divorce, or illness. The program also teaches homeowners how to manage their home as an asset and use their equity responsibly while learning how to maintain their properties to promote safety and prevent future costly repairs is also important. Finally, leadership development is a major part of the program, encouraging new homeowners to get more involved in their communities.

To sign up for your coaching session:

  1. Submit a short inquiry form.
  2. A HomeOwnership Counselor will contact you to set up a time for coaching.

Home Retention Counseling

Are you afraid you may lose your home? BCL has certified housing counselors that are able to work with you and your lender to try to keep you from losing your home. Our counselors will help you analyze the problem and identify your options. If possible, we’ll help you negotiate a plan with your lender that will result in bringing and keeping your mortgage current. If that’s not possible, we’ll help you figure out what to do next.

While BCL of Texas does not provide financial assistance, our counselors can help:

  • Assess your financial situation and provide realistic solutions and objective guidance
  • Intervene on your behalf with your mortgage lender to develop a workout plan, if appropriate
  • Help you find community services that can help you with food, energy assistance and other needs
  • Assist you in developing a realistic budget to move you and your family through the financial crisis

BCL’s team of counselors have been able to work with families throughout Texas so you don’t have to be near an office to receive assistance. You can call or email us to schedule an appointment time to come in, or you can call us to receive counseling over the phone.

Phone Counseling: Call one of our offices and request to speak to a HomeOwnership Specialist. BCL of Texas has homeownership counselors available to assist you and discuss your personal situation.

One-on-One Sessions: This 1-2 hour meeting with one of our highly skilled Foreclosure Prevention Counselors will begin the process to evaluate if your particular situation is negotiable with your lender. Counseling sessions are offered in either English or Spanish at our offices. We are unable to accommodate walk-ins, so please call your nearest location for an appointment.

Intake Packet
Please review and complete as much of our Home Retention Intake Packet as possible prior to your counseling session.

To sign up for your counseling session:

Where to Find Us
AUSTIN 1011 San Jacinto Blvd
Suite 500
Austin, TX 78701 P: 512.912.9884 F: 346.301.5752 NMLS #1114924
DALLAS 400 S Zang Blvd
Suite 1220
Dallas, TX 75208 P: 214.688.7456 F: 346.301.5752 NMLS #1114924
SAN MARCOS 302 W Hopkins St
Suite 2
San Marcos, TX 78666 P: 512.383.0027 NMLS #1114924