Homebuyer Resources

Buying a home is likely one of the most significant purchases you will ever make. AHFA wants to help make this process as simple as possible, and we hope the information and resources on this page will help you be a more informed, confident homebuyer. AHFA offers several programs specifically designed to give first-time or lower-income home buyers extra assistance. Find out more...

• The Overview of FHA Resources for First-Time Homebuyers provided by the U.S. Department of Housing and Urban Development, is a valuable resource for first-time homebuyers seeking Housing Counseling Agencies and more.  
• The Homebuying Wish List helps you think about and identify the features you want in a home.
• The Homebuying Checklist can be used when you tour homes to keep track of what each home offers and whether it meets your needs.
• Tips for Buying Your First Home will help educate and prepare you as you begin your own homebuying journey.
• AHFA talked with Haley Underwood with FirstBank Mortgage in Huntsville about the Mortgage Credit Certificate (or MCC) program. Haley was our top producing MCC lender in 2020, so we wanted to get her insight on how homebuyers can benefit from using an MCC and how the process works. You can check out that video at https://youtu.be/PHGwfUOOxoo.
• Finding a Mortgage Lender will help you with resources for choosing a lender, and the right questions to ask potential lenders.
• Finding a Real Estate Agent will explain what a real estate agent can do for you, and the questions to ask when you are choosing your agent. 
• Finding a Housing Counselor can help you with advice and valuable information when it comes to purchasing and keeping your home. 

Investing in a Home

Interested in homeownership? Check out this video detailing the benefits of investing in homeownership.

Helpful Links

Mortgage Calculator
Use this handy calculator to estimate how much you can afford, loan payments, amortization schedules, tax effects, and other helpful tools.

Real Estate License Verification
Search this international database to verify the current status of a real estate practitioner's license. This tool will help you determine whether or not the person with whom you are working is authorized to assist you for a fee in a real estate transaction.

HUD Approved Housing Counseling Agencies in Alabama
HUD sponsors housing counseling agencies throughout the country that can provide advice on buying a home, renting, defaults, foreclosures, and credit issues.

AHFA Welcome Video
If AHFA's servicing division, called ServiSolutions, is servicing your new mortgage, check out the video below for help in setting up your account and getting started.

Homeownership Program Resources

• Department of Veterans Affairs
• Fannie Mae
• Federal Housing Administration (FHA)
• Freddie Mac
• National Housing Institute
• U.S. Department of Agriculture - Rural Development
• U.S. Department of Housing And Urban Development (HUD)

Trade Associations

• Alabama Association of Realtors®
• National Association of Realtors®
• Home Builders Association of Alabama
• National Association of Home Builders
• Alabama Bankers Association
• American Bankers Association
• Mortgage Bankers Association of Alabama
• Mortgage Bankers Association
• Alabama Mortgage Professionals Association
• National Association of Mortgage Brokers