Pre-purchase Counseling
Buying a home is one of the most expensive purchases and long-term investments many of us will ever make. Housing counseling prepares you for homeownership by helping you understand the process of purchasing a home. Also, knowing the responsibilities of owning a home is important in the success of your investment. Our Housing Counselors can help evaluate your needs, answer any questions you have and help you avoid costly mistakes.

Mortgage Delinquency and Default Resolution Counseling
If you have missed mortgage payments, or find that you may be at risk of missing payments in the future, you may be in danger of foreclosure. Preventing foreclosure is essential to help preserve the investment you have made in your home.

Generally, lenders only begin the foreclosure process when all other options have failed. Foreclosure can be costly so lenders would rather receive the mortgage payments than to foreclose on your home. Be honest and upfront with your lender, and let them know you are willing to work with them to help keep your home. Avoiding your lender can make matters worse. Homeowners facing foreclosure often have a number of solutions available to them to get back on track. If you are falling behind, act now before your alternatives to foreclosure become unavailable. A housing counselor can help you understand the options you have in your situation and create a plan of action for you.

Sub-prime Lending/Predatory Lending
Knowing the signs of a bad loan can help you prevent huge hassles in the long run. Sub-prime lending consists of loans given to people with below average credit scores. It’s a way to help people who are more of a credit risk obtain items such as homes and cars.

Predatory lending also targets those who are a higher credit risk but include contract terms that will more likely hurt than help the applicant. Predatory lenders more than likely want you to default on your loan so that they can charge you more fees or even take your property.

Tenant/Renters Assistance
It’s important as a tenant that you know your rights and responsibilities. A housing counselor is available to go over the different aspects of renting with you. We also provide help in budgeting and rental search.