Homeownership Counseling Services

Homeownership Counseling Services

 Our HUD-Certified Housing Counselor has over twenty-five years of experience helping individuals and families through all types of housing needs.  From helping a first-time buyer prepare to purchase their first home, to assisting a homeowner prevent foreclosure after a hardship, to navigating the complexities of transitioning from one home to the another.  

Housing counseling is best described as one-on-one assistance that addresses unique financial circumstances and housing issues; counseling focuses on overcoming specific obstacles to achieve housing goals such as:

·        Repairing and improving credit

·        Saving for a down payment

·        Recognizing predatory lending practices

·        Understanding Fair Housing

·        Identifying down payment assistance programs

·        Exploring lending options

·        Avoiding foreclosure

·        Resolving a financial crisis

·        Understanding housing options

·        Assembling a homebuying team

All housing counseling involves the creation of a budget and written action plan, and is often coupled with a homeownership education component, such as Pre-Purchase or Post-Purchase Education classes.

Pre-Purchase Counseling

Purchasing a home is a complex process that can be confusing, and maybe even a little scary, especially for first-time buyers. The paperwork can be difficult to understand, especially for someone who's never been through the process of buying a home.  Determining how much you can afford and choosing a real estate agent, inspector, and lender can be daunting. Finding vital information about down payment assistance and other low-cost financing options is not easy without expert help. These are the ways in which our HUD-Certified Counselors can help!  

Post-Purchase Counseling

Owning a home comes with many exciting opportunities and challenges. Our HUD-certified housing counselors are equipped to help you maintain and protect your most significant investment. Post-purchase is available whether you're new to homeownership or have owned your home for many years. Our counselors have many years of experience in helping people just like you to assess your financial situation and develop a realistic household budget you can follow, understand how to maintain a healthy home and plan for future home improvements, learn about home equity loans and refinancing options, know what to do if you're having trouble making your mortgage payments, and much more!

Transition Counseling

Knowing what housing options are available for your unique situation can be overwhelming.  Home is not defined as a single-family house. Home is where you live and where you are loved, and sometimes, we must make somewhere new our home.  The process is emotional, financial, and physical, and oftentimes we need support. Our counselors are trained and ready to help you explore and find suitable housing to meet your needs.

Our counselors are all HUD-Certified and our counseling and education services are FREE thanks to the generous support from our partners and funders.

Our housing counseling team is ready to provide support and expertise to help you achieve your housing and financial goals!  

Complete the form below to request an appointment with one of our HUD-Certified Housing Counselors.