Consumer Credit Housing Counseling

Center For Consumer Credit Counseling is recognized by HUD (U.S. Department of Housing & Urban Development) as an Approved Housing Counseling Agency.  This means that our agency and staff are qualified to answer your housing questions.

Homebuyer education seminars are housing related education programs in which educational materials are used in group training sessions. The following topics are covered in the pre-purchase homeownership class:

• Budgeting for your home purchase
• How to manage debt
• Credit reports & your credit history
• Predatory Lending practices
• Fair Housing Laws
• Advantages and Disadvantages to Homeownership
• Pre-qualifying/Pre-approval
• Shopping for Your Loan
• Shopping for Your Home
• Selecting a Real Estate Agent
• Negotiating Offers
• Types of Homes
• Home Appraiser/Home Inspector
• Homeowners Insurance
• Down Payments
• Closing Process & Paperwork
• Aftercare of Home

Preoccupancy Counseling

Preoccupancy counseling includes one on one counseling on:

• Pre-purchase or pre-rental
• Search/assistance/mobility
• Fair housing
• Budgeting for mortgage or rent payments
• Money management
• Housing care and maintenance
• Guidance on alternative sources of mortgage credit
• How to identify and avoid predatory lending practices
• Referrals to community or homeless services
• Advocating with lenders for non-traditional lending standards

Post-Purchase/Mortgage Default and Rent Delinquency Counseling

• Counseling on how to restructure debt
• How to obtain re-certification for rent subsidy
• Establish reinstatement plans
• Seek loan forbearance
• Manage finances

This counseling can also include helping victims of predatory lending, and educating clients on renters and landlords rights. It also includes explaining the eviction process, providing referrals to other sources, and assisting clients with locating alternative housing.

Post-Purchase/Post-Occupancy Counseling

Post-Purchase/post-occupancy counseling includes education programs and counseling activities on property maintenance, personal money management and relations with lenders and landlords.

Home Equity Conversion Mortgage (HECM) Counseling

Home equity conversion mortgage (HECM) counseling assists clients who are 62 years or older with the opportunity to convert the equity in their homes into income to pay living, medical, or other expenses.

Foreclosure Counseling

Foreclosure counseling provides you with an explanation of foreclosure and what your options are if your home is about to be in foreclosure.