As a HUD Certified Credit Counselor, I teach the entire home buying process. Once our clients are mortgage ready, we refer them to our lending department. Many of our clients are happy to learn that NPH can even loan our customers money for their down payment.


NPH offers Home Buyer Education Classes once a month at our NPH office.

Classes are on hold until further notice

NPH believes successful, long-term homeownership begins with financial and homeownership education. As a charter member of Neighborhood Works and Certified HUD Approved Counseling Organization, NPH is uniquely qualified to provide counseling and coaching to assist homeowners. We help first time buyers assess their financial situations, evaluate their options, and understand the steps involved in buying a home.

Our membership in NeighborhoodWorks adds value to NPH. NeighborhoodWorks is a national nonprofit created by Congress in 1978 which provides financial support, technical assistance and training for community-based housing organizations. Our certification as a HUD Approved Counseling Organization allows us to train and certify professional homebuyer educators, and offer our clients individual counseling that is designed to help them reach their homebuying goals.

Our Home Purchase Advisor, Bernadine Lee, is a HUD-approved housing counselor. She is specifically trained and certified to ready our clients for homeownership. Bernadine has worked with first time homebuyers for more than 12 years, helping them assess their credit, determine what price of house they can afford, calculate their down payment, and understand the additional costs of home maintenance and insurance.

NPH homebuyer education classes and our one-on-one counseling program help our clients:

  • become informed home buyers
  • master the steps in the home buying process
  • select the best possible mortgage loan
  • understand purchase contracts
  • save money on payments and closing costs
  • protect home value and build equity


NPH classes prepare you for home ownership.

Our education staff will show you step-by-step how to achieve the dream of home ownership. Our home ownership class provides comprehensive information on all aspects of home ownership, from planning to post purchase.

Classes are held once a month from 8:30 am to 4:00 pm at NPH office, 1664 South 2nd Street, Gallup.

Classes are on hold until further notice

The fee is $99.00 payable in check or a money order. Walk-ins are welcome but you are encouraged to call 505-722-0551 to register for the class.

On-line classes are also available through eHome America.