This is a no-cost program that requires no commitment to buy from the member. The DHI Mortgage Home Buyers Club does not guarantee to raise the credit score or guarantee loan approval. Credit counseling offered by the DHI Mortgage Home Buyers Club does not assure participants that they will qualify for, or successfully obtain, a home-mortgage loan. Participants are not required to finance their home purchase through DHI Mortgage or to purchase a home from DHI Mortgage's affiliated builder, D.R. Horton, to enroll in the DHI Mortgage Home Buyers Club.