A Trusted NonProfit Source for Homebuyer Education

With an A+ rating from the Better Business Bureau, we are a member of the National Foundation for Credit Counseling (NFCC) and accredited by the prestigious Council on Accreditation (CoA).

About Us

With an A+ rating from the Better Business Bureau,  we are a member of the National Foundation for Credit Counseling (NFCC) and accredited by the prestigious Council on Accreditation (CoA).

HomeTrek is a service of InCharge Debt Solutions, a 501(c)3 nonprofit organization. Established in 1997, our mission is to help people improve their financial lives through counseling and education. InCharge also offers credit counselingdebt management, military debt relief, and credit consolidation programs.

Our Mission

InCharge Debt Solutions helps people achieve and maintain a better financial future through high quality, responsive counseling and personalized education.

An Online Course With You In Mind

Skip the babysitter, save on gas, and complete your homebuyer education course online, in your own time. You can take it in one session, or log out and log back in and resume, based on your schedule.

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Backed By A Secure System

Our online homebuyer education can be accessed via your mobile phone, tablet, laptop or desktop.

Notable Distinctions

InCharge has been providing housing education for more than 15 years. We are dedicated to helping more Americans achieve sustainable homeownership.

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Home buyers enjoying their new house

First-Time Home Buyer Benefits

A first-time homebuyer is an individual who is buying a home for the first time or has not owned and occupied their primary residence for three years prior to purchasing a new home.. Lenders and ...
Future homebuyer calculating how much he has saved for a down payment

What Is the Minimum Down Payment for First-Time Home Buyers?

One of the major barriers to buying a home for first-time homebuyers is coming up with a down payment, the money you pay up front when you close on a home. There are many down ...
Doormat that says "Our First Home"

First-Time Home Buyer Guide

Buying a home is a big decision. Buying one for the first time can be a frightening one. The dollars are big, you may be unfamiliar with the rules, and you never know whom you ...
Sign that has First-Time Homebuyer Tax Credit written on it

First-Time Homebuyer Tax Credit

Buying a home is one of the best ways to build wealth, but skyrocketing home prices and high mortgage rates are preventing many Americans from taking this step toward financial freedom. As the housing crisis ...
Toy house sitting on desk

First-Time Homebuyer Requirements

Being a first-time homebuyer in any real estate market can be an adventure, equal parts thrills, and chills. In the current market where inventory is historically low and interest rates have nearly doubled in a ...
Couple that bought their first home in Texas

Down Payment Assistance Programs in Texas

Purchasing and owning a home is the dream of hundreds of thousands of Texans on a yearly basis, but too often many of those same people shy away from buying because of barriers perceived to ...
Credit Score Home Loan

Credit Scores and the First-Time Homebuyer

For first-time homebuyers, the second most important factor (behind location) is: (A) Number of bathrooms. (B) Composition of the kitchen counters. (C) Storage space. (D) Terms of the mortgage. If you answered A, B, or ...
A couple buying their first home

First-Time Home Buyers: Programs & Qualifications

Buying your first home has become an expensive rite of passage in the United States. The National Association of Realtors says first-time buyers are spending an average of $219,000 to become homeowners. You could get ...
Papers for Down Payment Assistance Programs

Florida Home Buying and Down Payment Assistance Programs

Given the wallet-straining effects of the recent rental market, many Floridians are considering buying a home instead of leasing. The process can feel overwhelming, especially if you don’t have money saved for a down payment ...
Landlord House Background

Homebuyer Education: Why it’s Important and Where to Get It

Homebuyer Education Helps Real Estate Newbies The move from renter to home buyer can be hugely intimidating. Not only are you preparing to drop a big cash down payment, you’re probably going to sign an ...