Home Ownership Educational Center

Our homebuyer education program is designed to meet the needs of persons with little or no knowledge of the home-buying process and is formatted to equip every client with the information needed to make an informed home buying decision. This program teaches the fundamental steps of buying a home, but also explains the reasoning behind many decisions that must be made throughout the process.

We provide information and recommendations, allowing our clients to make appropriate decisions to settle their mortgage delinquency/default problems.  In this process, we ensure that our clients understand all their options and that lenders/servicers adhere to industry-standard loss mitigation practices. We assist clients until their problem is resolved.

Money does not come with instructions. We use various Financial Literacy programs to educate the individual about the value of a dollar. How to invest your money, checking & saving accounts, how to manage the money your have, how to live within your means.

We counsel homeowner clients seeking information and guidance in the areas of refinancing (rate/term reduction and/or cash out), equity loans, debt consolidations, building rehabilitation, building additions, lender/client dispute resolution, and client/contractor dispute resolution.

We arm you with knowledge that enables them to negotiate fair loan terms and to protect themselves against potential predatory lenders. For clients who feel they have been victimized by predatory lending practices, our counselors help clients investigate the validity of their concerns, and when indicated, report unlawful conduct to the appropriate authorities.

The majority of our community development counseling efforts are directed to faith-based institutions, community development corporations, and local, non-profit housing organizations.  First, our counselors inform the members of the opportunities and responsibilities of both affordable housing developement and community development generally. After extensive, fact-finding discussions, we help the community organization quantify its existing development capacity and determine its potential for expansion. We further identify and research the wide array of private and governmental resources available for community development programs. Once a project is initiated, we stand ready to provide ongoing support and information requested by our clients.