Pre-Occupancy Counseling will provide one-on-one counseling for:
Homebuyers Education Learning Class
Pre-purchase
Search assistance and mobility
Fair housing
Budgeting and money management
Financial Literacy (Credit Counseling)
Housing care and maintenance
This may also include guidance in:
Finding alternative sources of mortgage credit.
How to apply for housing assistance.
Identifying and avoiding predatory lending practices
Locating housing which provides universal design and visibility.
Finding community or homeless services and regulatory agencies.
Negotiating with lenders for nontraditional lending standards.
Homebuyer Education programs are housing related education programs mandated by HUD. One of these programs is (HELP) Homebuyer Education and Learning Program. Eight hours of training are required of program participants. Individual sessions are also offered to complement group sessions. Classes available in Spanish.
Financial Literacy counseling by certified credit counselor with the National Association of Certified Counselor (NACC).
Credit counseling credit reports duplicates
Budget and Money Management
Tri merge credit report (all 3 credit reports in one)
Single $18
Joint $20
Individual credit scores provided
Post-purchase/Post Occupancy Counseling
Training includes education programs and counseling activities focusing on:
Foreclosure prevention
Property maintenance
Safety
Personal money management
Displacement and Relocation Counseling Focuses on client's rights and responsibilities concerning the entity causing displacement, understanding eviction proceedings, assisting with locating alternative housing and referring clients to homeless services.
Home Equity Conversion Mortgage (HECM) Counseling provides information and referrals to other agencies or banking institutions that will assist clients who are 62 years or older with opportunity to convert home equity into income to help pay living, medical or other expenses. HUD Certification required for reverse mortgage. (Certification valid for 6 months)
Marketing and Outreach Initiatives include providing general information about housing opportunities, conducting information campaigns and raising awareness about critical housing topics.
Colonia Initiative provides counseling to persons who are located along the southwest borders of TEXAS. Educational programs and general information is provided for homeownership, land installment contracts, conversion of deeds, rental laws, and fair housing laws.
Family Self-Sufficiency Counseling is a voluntary program, developed for families and individuals, who wish to improve their financial situation, eliminate dependency and are motivated to change their lives.
Our Mission is to enable individuals to reach their full potential towards self-sufficiency and independence.
Our Goal is to foster independence, self-determination, and self-reliance.
