The Homebuyer Counseling & Education Program provides counseling services to households wanting to purchase a home. Homebuyer Counselors meet individually with homebuyers to work on budgets, examine income and determine how much home a family can afford. Many of PBAF’s homebuyers have issues with credit and/or debt, and PBAF Homebuyer Counselors work closely with the homebuyer to create a Credit Repair Action Plan. The Action Plan details what debts to prioritize and what new lines of credit to open and maps out a payment plan to determine how to reduce debt and ultimately get into a position to purchase a home. PBAF’s Homebuyer Counseling services are free, but we do charge to pull a tri-merged credit report which becomes the backbone of the Credit Repair Action Plan.