Housing

Would you like to arm yourself with the tools to purchase your first home? Is owning a home the dream you have for you and your family? Our first-time home buyer education program will provide you with the basics skills and techniques to assist you in the home purchasing process. Through our free homeownership workshops, you will learn about the rights and responsibilities of homeownership from experts in the housing field. Topics covered will include:

· The Home Buying Process

· Budgeting and Money Management

· Credit Repair and Monitoring

· Fair Housing Laws

· Choosing a lender 

Being an educated homeowner continues even after you have purchased your new home. We offer post-purchasing counseling to  help you with everything from maintaining a budget to home maintenance.

Anti-Predatory Lending Counseling

Predatory lending offers unfair, deceptive and often fraudulent financial information for many people seeking to purchase a home. If you have found yourself the victim of predatory lending, our counselors will review existing loan documents to pinpoint abusive lending practices and assist homeowners in legally resolving the situation.

Foreclosure Prevention

Have you fallen behind in your mortgage payments? Is your in jeopardy of foreclosure? If so, we can assist you!  Our staff will assess the causes of delinquency, provide budget review and counsel you on foreclosure prevention options.  We will be an advocate for you to seek a   mutual resolution with your lending institution. We are capable of assisting you with:

· Loan Document Review

· Loss Mitigation

· Diversion Counseling

· Conventional Loan Workout

· HEMAP (Homeowners Emergency Mortgage Assistance Program)

 

Tax Lien Counseling

Don’t lose your home because of delinquent property taxes! Avoid the threat of Sheriff’s Sale! Our counselors will provide homeowners with the tools to navigate the process and help with negotiating payment arrangements or a Sheriff’s Sale postponement.