Pre-purchase counseling gives a person some knowledge on (1) the procedure of purchasing a home, (2) the key players in the home purchasing procedure, and (3) the loan managing techniques. The objective is to make a superior educated home-buyer. Although VA does not require such counseling, we clearly suggest it. There is generally no charge for the housing counseling. A brilliant online understanding on the concepts for the first-time home-buyers is given by Ginnie Mae. You may contact (800) 569-4287 or browse The Department of Housing and Urban Development website to find its office.