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Homeownership Opportunities Website Northwest

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Home Buying Process

HOWNW.com™ is a free consumer resource committed to offering information without obligation. Find resources for becoming a homeowner, applying for loans, working with a Realtor®, a real estate glossary, and more.

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Lending Program Search

HOWNW.com™ was created to make buyers aware of home purchase programs. Many of these programs are available to individuals or households whose income is below a certain amount.

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Buyer Education

There are many types of homebuyer seminars. While they all serve various needs only those that meet the educational requirements, when homebuyer education is required to use a specific program, are listed on this site.

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Military Resources

Resources for the service members, veterans and their families

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Are you having problems paying your mortgage? Learn how to avoid foreclosure and keep your home. Also, warning signs of foreclosure rescue scams.

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Resources for improving credit, avoiding predatory lenders, and ensuring that your home is healthy and safe from hazardous materials and environmental concerns.

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90 percent of Oregonians surveyed said they feel it’s important to have services allowing them to age in place. Visit our Forever Home/Aging in Place page for financial, homeownership and renovation resources.

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Knowledge is said to open doors. This is literally true when it comes to buying a home. To become a first-time homebuyer, you need to know where and how to begin the homebuying process. The following questions and answers have been carefully selected to give you a foundation of basic knowledge.

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Recent News

Did you know…

More than one in five home buyers is a single woman. According to NAR’s 2017 Home Buyer and Seller Demographic Types report, 18% of all homebuyers are women, second only to married couples, and more than twice the number of single male homebuyers. Additionally, single women make up 18% of all first-time homebuyers. Women are […]

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Did you know…

In a nationwide survey of about 24,000 renters, Apartment List found that 80 percent of millennial renters want to purchase a house or condo. Saving for a down payment can delay these buyers for a median of three years, and some buyers for up to a decade. The misconception held by many renters that a […]

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New Homebuyer Program Added

Freddie Mac’s new loan program, HomeOne, offers a low 3% down payment option that serves the needs of first-time homebuyers, along with no cash-out refinance borrowers. The program has no borrower geographic or income limits and includes cancellable mortgage insurance after certain requirements are met. For more information click here.

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Did you know…

According to AARP, 90% of seniors indicate they would prefer to age in place, however, the costs for home modifications allowing older adults to remain in their homes can add up quickly and be cost prohibitive for lower-income individuals and families. Fortunately, there are a number of non-profit organizations that provide critical home repairs, modifications, […]

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