• What is the cost of your service?

The services are FREE!!!!!!! With the exception of the pre-bankruptcy counseling. For more information call us at 912.877.4243

• What if I can't get to your office?

Free counseling can be done in person at out Hinesville office or over the phone. Please call our office at 912.877.4243 ot toll-free 1.866.883.4243 to talk to a counselor to set up an appointment.

• How soon should I contact JCVision and Associates, Inc.?

There are threee periods you can contact our office if you are considering using one of the many homeownership services.

1.  Before going to your local USDA office or mortgage lender to submit an application for ownership. This will help to identify and resolve any possible issues that would cause your application to be denied by the  USDA-Rural Housing Development or by the mortgage lender.

2.  After receiving a denial letter or notification from USDA or mortgage lender concerning your application for homeownership. You may been direction on how to reslove credit issues that caused your application to be denied. Our Staff is well trained to assist you throughout the resolution period.

3.  After receiving an acceptance letter of your application from USDA or a mortgage lender. You may need better understanding of what is next in the homeownership process. Our staff is ready to walk you through the process as painless as possible.

• What information will I need?

If you applied with USDA; the date you submitted your appication and the location of the USDA Rural/Development office that received your application. If you have a mortgage lender, you may bring your good-faith estimate.

• What is Fair Housing?

Federal law prohibits the discrimination int he sale, rental and financing of dwellings and in other housing related transactions based on race or color, sex, national origin, religion, familial status or because of a handicap (disability). For more information or if you feel your rights have been discriminated against, please call our office 912.877.4243.

• I want to buy a home, what is the first step to homeownership?

If you are interested in buying a home, the first step is a credit review to make sure that your credit status is satisfactory. Please call our office at 912.877.4243 so that you may speak to one of our counselors and start the process to homeownership.