Financial Coaching for Future Baltimore Homeowners
Build Your Credit, Savings, and ConfidenceNHS Baltimore’s Financial Coaching Program helps you strengthen your credit, savings, and confidence — so when you’re ready to buy, you’re ready to qualify.
Before you buy a home, make sure your finances are ready
Homeownership begins with financial stability. If your credit score is below 640 or your savings are under $4,000, this program is your best first step.
You’ll work one-on-one with a financial coach who will help you:
- Create a realistic budget that fits your lifestyle
- Build or repair your credit score
- Manage debt and spending
- Develop a savings plan
- Understand how lenders view your finances
- Understand how your credit, savings, debt, and spending habits can affect your path to homeownership.
I raised my credit score 100 points! — Katia F., Financial Coaching Graduate
Coaching is provided free of charge by our Financial Coaches . Once you’re ready, your coach will connect you to the NHS Homebuyers Education Workshop and one – on- one counseling to earn your certificate and qualify for Baltimore City down payment assistance.
Support That Prepares You for Homeownership
Our financial coaching program is designed to give you the knowledge, tools, and personalized support needed to build a strong financial foundation before buying a home. With guidance from experienced housing professionals, you’ll gain a clear plan to move forward with confidence.
Program Benefits:
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Personalized one-on-one support
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Our Financial Coaches are HUD-certified.
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A clear action plan toward mortgage readiness
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Tools to reduce financial stress and increase stability
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Ready to Get Started?
Take the first step toward stronger finances and future homeownership. Complete the form below to sign up for financial coaching and begin building your plan.
Why Choose NHS Baltimore?
✓ Trusted Expertise: HUD-Certified and NeighborWorks-certified organization.
✓ Local Impact: Helping Baltimore residents build wealth through homeownership since 1974.
✓ Personalized Support: Programs designed for your financial journey not a one-size-fits-all approach. Have helped hundreds of people improve their finances.
I’m the type of person that, I make the money and I spend it. With the help of my financial coach, I started making adjustments. And I raised my credit score 100 points!
I worked with Natalie Kane, who helped me get started. I was able to reduce my bills and get my finances in order. Thanks to her help, I’m now happily a homeowner.
Frequently Asked Questions
Is NHS Baltimore's financial coaching free?
Yes, NHS Baltimore’s financial coaching is free. Sessions are provided by professional financial coaches who can help you build a plan for homeownership.
How many coaching sessions will I need?
The number of coaching sessions depends on your goals, credit profile, savings, and overall financial readiness. Your NHS coach will create a personalized action plan and timeline based on your needs.
What is the difference between financial coaching and the Homebuyers Education Workshop?
Financial coaching is one-on-one and focused on your personal credit, savings, and financial readiness. The Homebuyers Education Workshop is a group class that provides the Homebuyer Education Certificate required by many down payment assistance programs. The workshop is typically the first step, helping you understand the homebuying process. Financial coaching may follow if you need support strengthening your finances and preparing for homeownership.
Can financial coaching help me improve my credit score to buy a home?
Yes. NHS financial coaches work with you on the credit-building strategies that can help you become mortgage-ready. Katia F., one of our coaching graduates, increased her credit score by 100 points through the program, helping her move closer to homeownership.
What happens after I complete financial coaching?
Once you’re financially ready, your NHS counselor will connect you with the Homebuyers Education Workshop. After completing the workshop and earning your Homebuyer Education Certificate, you may be eligible to apply for Baltimore City or County down payment assistance programs and continue your journey toward homeownership.
25 E. 20th Street | Suite 170 | Baltimore, MD 21218
Phone: 410-327-1200
Fax: 410-675-1855
Intake@nhsbaltimore.com
Hours
Monday to Friday
9:30 am to 4:30 pm
Your generous support helps NHS of Baltimore empower families on their path to homeownership while strengthening and stabilizing neighborhoods across our city.