Homeownership
Increase Your Likelihood of Successful Homeownership
ACCESS offers homeowner education, housing counseling, and down payment assistance for potential homebuyers. We also help existing homeowners who may be struggling to pay their mortgage, are behind on property taxes, or facing default.
Saving to Buy
If you’re starting to think about homeownership, there are programs to help you save.
First-Time Homebuyer
Get help with your down payment and learn about managing your mortgage.
Existing Homeowner
Learn about foreclosure assistance, paying off debt, and understanding your credit.
ACCESS is proud to be the only certified HUD Housing Counseling Agency in Jackson County.
Own a New Home at Royal Oaks Mobil Manor
APPLICATIONS OPEN FOR 10 DAYS ONLY!
Application Window: May 25-June 3, 2026
Applications will OPEN soon for Phase 4 of Royal Oaks! This limited-time lottery opportunity is available to ALL households in Jackson County earning at or below 80% Area Median Income (AMI), with priority given to households with a verified loss from the Almeda or Obenchain fires.
This has been a meaningful collaboration between ACCESS and The Housing Authority of Jackson County.
Our Homeownership Services & Programs
Oregon Housing & Community Services Home Ownership Assistance Program (HOAP)
RVAR/OAR HOME Foundation First-Time Homebuyer Assistance Program
Housing Counseling
Homebuyer Education Course
Financial Education Course
Foreclosure Avoidance Counseling
Homeownership Housing Projects
Oregon Housing & Community Services Home Ownership Assistance Program (HOAP)
The Home Ownership Assistance Program (HOAP) is a down-payment and closing cost assistance program designed to help low-to-moderate income first-time homebuyers purchase a home in Jackson or Josephine Counties.
View Brochure PDF
- You are a qualified first-time homebuyer (if you have not owned a home in the past three years).
- Your household income does not exceed the median income limit for Jackson or Josephine County per HUD guidelines.
- You have attended either the live “Realizing the American Dream” home buyer education class presented by ACCESS with local home buying professionals or the online “eHome America” course available at www.ehomeamerica.org.
- You have completed an individual pre purchase housing counseling appointment with a Certified Homeownership Counselor at ACCESS within the last 18 months.
- You are working with a mortgage lender who has pre-approved you for a conforming conventional, government insured, or government guaranteed mortgage.
- Buyer must contribute a minimum of $500 of their own funds in transaction.
- Your lender is willing to help you apply when you have an accepted offer.
- Located within Jackson or Josephine County in Oregon.
- Your primary residence & considered real property.
- Enroll and attend the “Realizing the American Dream” homebuyer education course by calling the Homeownership Center at ACCESS at (541) 774-4305, or the “eHome” homebuyer education course at www.ehomeamerica.org/access.
- Contact the Homeownership Center to schedule and attend an individual pre-purchase counseling session at ACCESS by emailing hocinfo@accesshelps.org or calling (541) 774-4305.
- Work with a lender and have your lender pre-approve you for a qualified mortgage.
- Once you have completed ALL of the above AND have an accepted offer on a home, work with a lender to submit a grant application to ACCESS.
Rogue Valley Association of Realtors/Oregon Association of Realtors HOME Foundation First-Time Homebuyer Assistance Program
The RVAR/OAR HOME Foundation Buyers Assistance Grant provides up to $2,500 toward down payment, closing costs, or prepaid items, with the homebuyer contributing a minimum of $500 of their own funds.
View Brochure PDF
- You are a qualified first-time home buyer (if you have not owned a home in the past three years).
- You are pre-approved for a conforming conventional, government insured, or government guaranteed mortgage by a lender.
- You have attended either the live “Realizing the American Dream” home buyer education class presented by ACCESS with local homebuying professionals, or the online “eHome America” course available at www.ehomeamerica.org.
- You have completed an individual pre-purchase housing counseling appointment with a Certified Homeownership Counselor at ACCESS within the last 18 months
- Your household income does not exceed the State of Oregon Median Income Limit per HUD guidelines.
- Located within Jackson or Josephine County in Oregon.
- Your primary residence & considered real property.
- Enroll and attend the “Realizing the American Dream” home buyer education course by calling the Homeownership Center at ACCESS at (541) 774-4305, or the online “eHome” home buyer education course at www.ehomeamerica.org/access.
- Contact the Homeownership Center to schedule and attend an individual pre-purchase counseling session at ACCESS by calling (541) 774-4305.
- Work with a lender and local Realtor® who is an active member of Southern Oregon Multiple Listing Service.
- Have your lender pre-approve you for a mortgage.
- Once you have completed ALL of the above AND have an accepted offer on a home, work with your lender to submit a grant application to ACCESS.
Housing Counseling
One-on-one pre-purchase counseling analyzes each household’s individual situation, with the goal of helping them achieve their dream of homeownership. During counseling sessions, we discuss down payment options and making sound financial decisions. Prior to participating in pre-purchase counseling, households must first complete a Homeownership Education Course. ACCESS offers additional counseling services for financial literacy, post-purchase, and default/foreclosure counseling.
Homeownership Education Course
If you’re thinking about buying your first home, navigating the process can feel overwhelming. ACCESS offers comprehensive first-time-homebuyer education that helps answer any questions you may have about the process. These classes are designed to walk you through the entire home buying process so you know exactly what to expect and how to manage the costs. Additionally, some ACCESS programs require homebuyer education to quality.
- Basics of mortgage financing and qualifying for a home loan that suits your needs
- Down payment and closing cost assistance programs for first-time homebuyers
- Local down payment and closing cost assistance programs
Financial Capabilities Course
ACCESS offers financial education and counseling services. Financial Capabilities is offered as a live in-person class and also as an online money management course through eHome America to help you reach your financial goals.
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- Managing your money
- Basic banking and savings accounts
- Paying off debt
- Understanding your credit
Homeownership Housing Projects
This is a list of housing projects in Southern Oregon that are currently under development and will have housing units available for homeownership
Learn More
Get Started
For more information about ACCESS homeownership programs or for assistance, please contact the ACCESS Homeownership Center at (541) 774-4305.
“I believe that the training required to receive this grant, along with the one-on-one time spent with a Counselor, was super valuable. With rent skyrocketing, this helped push me over the horizon into homeownership. This fulfilled a huge goal that I have had for years.”
Joe, Grant Recipient and Homeowner
Upcoming Classes
Homeownership Courses
A comprehensive first-time-homebuyer education that helps answer any questions you may have about the process.
Topics you can expect to learn about include:
- The basics of mortgage financing and qualifying for a home loan that suits your needs
- Down payment and closing cost assistance programs for first-time homebuyers
- Pre-registration is required for this class.
Financial Capabilities Course
Are you interested in learning how to manage your money? Financial Capabilities teaches the important skills of money management to set you up for success in the future.
This class will educate and empower you with:
- Budgeting
- Credit management
- Meeting savings goals
- Emergency savings tips
- Making smart financial decisions
- All classes will be held virtually
