Certified Housing Counselor
What is a housing counselor?
A housing counselor that is HUD-approved and is a trained professional who can give you advice on buying a home, preventing foreclosure, protecting your credit and other issues. The U.S. Department of Housing and Urban Development HUD sponsors housing counseling agencies in many different languages and throughout the country.
Why should you work with a Housing Counselor?
There are many different options when it comes to dealing with your mortgage and a Housing Counselor can talk to you about the best available options. You might be preparing to purchase a home = or you might be having trouble with making your mortgage payment. A Housing Counselor can help you with either situation. Another great reason to work with a Housing Counselor is that it is completely free!
A HUD approved housing counselor can help you with almost any housing issue from missing a payment; you are already in foreclosure or if you’re about to just miss your first payment. A councilor can help you decide what to do before contacting your current mortgage lender.
Find a counselor
Counseling is available in many different languages and The U.S. Department of Housing and Urban Development HUD sponsors housing counseling agencies all throughout the country.
Before you call
You need to gather your financial information before you call.
Monthly debt payments, such as credit cards, cars, etc.
Your mortgage statements, firsts, seconds and thirds if applicable.
Your pay-stubs and tax returns.
Explain your current situation: You need to be able to explain in detail what your hardship is and why it’s becoming difficult to make your payment. You need to be able to confirm that you are willing to leave your home to avoid going through a foreclosure. They need to be able to assess your situation to be able to create solutions to the problem.