Our HUD-certified housing counselors provide compassionate, expert guidance to individuals and families navigating complex and often high-stakes housing situations. Whether a client is pursuing the dream of homeownership, facing a financial crisis, or recovering from disaster, our goal is to increase access to safe, stable, and affordable housing.
We offer a full continuum of housing counseling services, including pre-purchase counseling, foreclosure prevention, rental support, reverse mortgage (HECM) counseling, post-purchase education, and disaster recovery assistance. Each session is tailored to the client’s needs and includes a comprehensive review of income, expenses, credit, and goals. From budgeting and credit readiness to mortgage qualification and loss mitigation, we help clients make informed decisions and build long-term housing stability. By meeting clients where they are, during life’s challenges or transitions, our housing counselors provide more than just advice. They deliver clarity, empowerment, and a path forward.
This project supports HUD approved counseling and education:
Pre-purchase counseling and homebuyer education - Certified HUD counselors prepare clients for successful, sustainable homeownership by guiding them through homebuying budgets, credit readiness, mortgage options, and lending requirements. We also connect eligible buyers with down payment assistance and first-time homebuyer programs to reduce barriers to entry. Support continues after purchase with post-homeownership education to promote lasting housing stability.
Foreclosure prevention and default counseling - For homeowners experiencing financial hardship, we provide critical, solution-oriented support. HUD-certified counselors assess each household’s situation and work with clients to explore all available options, including loan modifications, repayment plans, and loss mitigation strategies. Our goal is to prevent foreclosure whenever possible and protect long-term housing security.
Rental counseling - Our rental counseling services equip individuals with the financial tools and knowledge needed to become stable, successful tenants. Coaches offer guidance on budgeting, credit building, savings strategies, and income planning. When needed, clients may also be referred to rental assistance programs or other housing support resources. These services are designed to improve housing access and stability, particularly for individuals navigating high-cost or competitive rental markets.
Disaster recovery and resource assistance counseling: Following a natural or economic disaster, housing counselors provide critical support to help vulnerable households stabilize and recover. Services include assessing housing needs, navigating FEMA, insurance, and local aid programs, and connecting clients to essential legal, social, and language resources—ensuring access to the tools needed for safe and sustainable recovery.
