Pre-Purchase Housing Counseling

Description

Are you ready to buy the house of your dreams? Being prepared for homeownership and making the right purchase decision is essential for you and your family’s future.

Pre-purchase counseling is a two-step process that includes our online Homebuyer Education Course and a follow up virtual counseling session.

As part of your counseling session, your counselor will explain the full costs of homeownership and help you create a budget that balances your new obligations. Your counselor will also highlight available down payment and closing cost assistance resources that may be useful in meeting your financial needs.

The homebuyer counseling session requires a credit inquiry which is a “soft” pull of your credit and will not affect your credit score or show on any third-party credit report requests.

During your session, your counselor will:

Counseling Fee: No Charge
Upon finishing this counseling, you will receive your Certification of Completion, which may qualify you for some Homeownership Down Payment Assistance Programs.
Click Here to Get Started: Service Request Form

Post-Purchase Housing Counseling

Description

Along with the many advantages of homeownership, there are responsibilities required in order to maintain your home.  Your counselor will help you understand these responsibilities to ensure long-term homeownership success.

Your counselor will review your budget/spending plan and assist you in revising it to meet your new expenses.  Additionally, you will learn strategies for energy efficiency to reduce environmental impact and home maintenance costs.

During your session, your counselor will:

Counseling Fee: No Charge
Upon finishing this course, you will receive your Certification of Completion.
Click Here to Get Started: Service Request Form

Rental Counseling

Description

Rental housing is essential to many families and a critical segment of the housing market. Young people starting out on their own, empty nesters, or senior citizens who want to downsize may seek rental housing.

A rental counselor will help you develop a personalized spending plan and provide you with advice for saving money, increasing income, and reducing debt.

The counselor will also work with you to review:

  • Determine how much rent you can afford
  • Budgeting tools and techniques to help you improve your credit history and score
  • Discover how budgeting and debt payoff prioritizing can help your financial position
  • Strategies for communicating with creditors and landlords
  • Understand standard lease provisions and their impact on your day-to-day life

During your session, your counselor will:

Counseling Fee: No Charge
Click Here to Get Started: Service Request Form

Credit and Budget Counseling

Description

Credit and budget counseling is available to those who would like help with budgeting, money management skills, and credit issues.

After discussing your current financial picture and goals, our counselor will be able to help you develop a sustainable financial plan of action. To gain a more complete insight to your situation, a “soft” pull of your credit report will be required.  This will not affect your credit score or show on any third-party credit report requests. With the information, the counselor will be better able assist you in strategizing and developing an Action Plan to move you toward your financial goals. Included in the session will be access to educational materials and social service resources.

During your session, your counselor will:

Counseling Fee: No Charge
At the end of the counseling session, you will feel good knowing that there are options and assistance available to you.
Click Here to Get Started: Service Request Form

Foreclosure Prevention Counseling

Description

If you are having trouble with your mortgage, our experienced counselors will work with you to identify the causes and possible solutions to your financial issues. Our counselors will help you communicate and negotiate with your lender or servicer as well as provide you with information about eligibility for any state or federal foreclosure avoidance measures. Deciding the best course of action can be challenging to do on your own, so we will help you make sense of it all.

Our counselors will also:

  • Review your hardship to understand your specific situation fully
  • Discuss available financial options and resources pertaining to your situation
  • Explain the foreclosure process and possible alternatives
  • Work with your servicer to facilitate a mortgage loan modification or other loan workout process to resolve the foreclosure

During your session, your counselor will:

Counseling Fee: No Charge
Click Here to Get Started: Service Request Form

NJ Foreclosure Mediation Counseling

Description

The New Jersey Judiciary’s Foreclosure Mediation Program is available to assist all qualifying homeowners avoid losing their home to foreclosure. Many homeowners enter the foreclosure process with their mortgage lender without an understanding of the type of relief that may be available to them.

Your counselor will act as your advocate, providing valuable assistance in helping you explore all options as you work through the foreclosure mediation process. Your counselor will create an action plan and help you complete the necessary paperwork required for eligibility.

To Qualify for the Foreclosure Mediation Program::

  • You must be the borrower and your mortgage loan must be in foreclosure
  • Mediation must be requested within 60 days after service of the foreclosure summons
  • You must be an owner-occupant of a one- to three-family residential property
  • The property must be your primary residence
  • The homeowner will not qualify if they are in bankruptcy

Our Mediation Counselor will:

Counseling Fee: No Charge
Click Here to Get Started: Service Request Form

Foreclosure Presentation Course

Course Description

Helping homeowners who are experiencing financial difficulty to better understand what foreclosure may mean is the platform for the foreclosure education course. It’s designed to provide valuable information about the when, where, why, and what your next steps should be during such a stressful time. Most importantly, it defines the tools available to you if faced with the difficult decision of foreclosure. This course also prepares homeowners with information to navigate away from the potential scams they may be presented with during the foreclosure process.

Course Curriculum

Course Fee: No Charge
Click Here to Get Started: Service Request Form