Homeownership is
More Than a Class -
It's a Journey
Olive Hill CEDC helps individuals and families move from renting to safe, affordable, and sustainable home ownership through education, individualized counseling, and long-term preparation.
“Our work does not end with a certificate — we continue working with families until they are truly mortgage-ready and positioned to remain homeowners.”
How Olive Hill Supports Families on the Path to Homeownership
Olive Hill CEDC provides a comprehensive pathway to homeownership designed to promote long term stability, not just a completed class
HUD-certified housing counseling since 2004
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Homebuyer Education
Monthly in person classes and online access through eHome America making education accessible of working households
Individualized Housing Counseling
One-on-one counseling continues as long as necessary to achieve mortgage readiness addressing income stability, credit improvement, debt to income ratios and lender requirements
Access to Layered Down Payment Assistance
Completion certificates qualify participants for down payment assistance layered from three or more sources reducing housing costs to no more than 30% of monthly income, consistent with
HUD affordability standards.
This level of individualized counseling and preparation requires sustained operational capacity to ensure families receive the time, guidance, and protection they deserve.
This comprehensive approach reduces risk for families and strengthens long-term housing
stability