Counseling is the front door
If you want to buy, keep, or prepare for a home, start with housing counseling. USDA packaging, SHIP, and self-help come after that conversation — they are not competing front doors.
You do not need to pick a loan product before you talk with a counselor.
Programs after counseling
The cards above hand you to the right page. This landing does not take an application.
The Saffold scholarship is a separate door for students. It is not a homebuying program and does not replace counseling. Read the scholarship path.