 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Types of Counseling Available
Review the different types of counseling below to determine which best suits your needs.
Credit
Credit counselors offer advice on budgeting, obtaining and understanding credit reports, and resolving credit problems.
Default/Delinquency
Default/delinquency counselors offer advice on how to work with a lender in making timely mortgage payments, how to work with a lender if circumstances prevent making mortgage payments, and how to develop and live within a budget.
Home Buyer Education
Home-buyer education providers give advice on preparing for homeownership, shopping for a home, obtaining a mortgage, preparing for closing and settlement, and life as a homeowner.
Landlord
Landlord counselors prepare consumers to become landlords of two- to four-unit, owner-occupied homes.
Post-Purchase
Post-purchase counselors help identify the reason or reasons that the borrower did not make timely mortgage payments, and they work with the borrower to successfully resolve the problems. Topics may also include broad financial issues such as family money management and budgeting.
Reverse Mortgages for Seniors
Counselors who give advice about reverse mortgages cover topics including the terms and conditions of the Home Keeper® and Home Equity Conversion Mortgage (HECM) reverse mortgages and how to obtain such a mortgage, for seniors age 62 and over.
Rural Housing
Rural-housing counselors offer advice on how to obtain mortgages specially designed for rural areas and how to deal with homeownership challenges unique to rural markets.
Special Needs
Special needs counselors provide accommodations in the counseling process (materials in alternative formats, telephone services, one-on-one counseling) and possibly identify additional resources such as down payment assistance for people with disabilities.
|
|
|
|
