HUD Services

PC – Pre-purchase One-On-One Counseling
Target Area Housing needs and Problems Description of Educational Services Outcome Fee Schedule Counseling Settings Non-English Speaking (LEP) Clients
Broward County(see attached Census fact sheet) Please see attached the 2009 Annual Report from the Broward Housing Council Review client's credit report and suggest corrections or updates
Help client understand and establish a savings account. . Reduction of debt
Clear understanding of stabilized income and employment
Preparing for Homeownership
Shopping for a Home
Obtaining a Mortgage
Mortgage Rates Adjustable or Fixed Rates
Insurance
Closing Costs
Title
Closing
Life as a Homeowner
Less Foreclosure  Stable homeowner
Family stability
Stronger neighborhoods
Realistic understanding of homeownership
Assists families to become mortgage-ready
No Fees Face to Face
Group
Individual
Client with Physical disabilities can request a phone/fax counseling
Spanish
Portuguese
Creole
French
English


FHE – Fair Housing Pre-Purchase Education Workshops
Target Area Housing needs and Problems Description of Educational Services Outcome Fee Schedule Counseling Settings Non-English Speaking (LEP) Clients
Broward County
2009 Annual Report from the Broward Housing Council Fair housing enforcement agency roles and local fair housing laws
Advertising suggestions
Suggestions on developing nondiscriminatory rental application
Nondiscriminatory tenant selection and procedures
Guidelines for establishing and enforcing tenancy rules, rule violations and evictions procedures
Claims of retaliation
Familial status issues, occupancy guidelines and housing for older persons (HOPA)
Renting to people with disabilities - reasonable accommodations and modifications issues
Less Foreclosure
Less evictions
Stronger neighborhoods
Happier investor
No fees Face to Face
Group
Individual
Client with Physical disabilities can request a phone/fax counseling
The agency have presently 5 different languages: Spanish
Portuguese
Creole
French
English


PRL – Predatory Lending Education Workshop
Target Area Housing needs and Problems Description of Educational Services Outcome Fee Schedule Counseling Settings> Non-English Speaking (LEP) Clients
Broward County
2009 Annual Report from the Broward Housing Council Explanation of excessive fees
Abusive prepayment penalties
Kickbacks to real estate brokers, referrals or affiliates (yield spread premiums)
Loan flipping
Unnecessary mortgage products
Mandatory arbitration
Steering & Targeting
Abusive subprime loans and other new trends in predatory lending
Ways to avoid financial fraud
Fair lending laws that protect consumers
Reporting abuses
Less Foreclosure, and a happy homeowner No fee Face to Face
Group
Individual
Client with Physical disabilities can request a phone/fax counseling
The agency have presently 5 different languages: Spanish
Portuguese
Creole
French
English


PPE – Pre-Purchase Homebuyer Education Workshops
Target Area Housing needs and Problems Description of Educational Services Outcome Fee Schedule Counseling Settings Non-English Speaking (LEP)
Clients
Broward County
2009 Annual Report from the Broward Housing Council Review client's credit report and suggest corrections or updates
Help client understand and establish a savings account. . Reduction of debt
Clear understanding of stabilized income and employment
Preparing for Homeownership
Shopping for a Home
Obtaining a Mortgage
Insurance
Closing Costs
Title
Closing
Life as a Homeowner
Less Foreclosure  Stable homeowner
Family stability
Stronger neighborhoods
Realistic understanding of homeownership
Assists families to become mortgage-ready
No fee Face to Face
Group
Individual
Client with Physical disabilities can request a phone/fax counseling
The agency have presently 5 different languages: Spanish
Portuguese
Creole
French
English


DFC – Mortgage Delinquency and Default Resolution One-On-One Counseling
Target Area Housing needs and Problems Description of Educational Services Outcome Fee Schedule Counseling Settings Non-English Speaking (LEP)
Clients
Broward County
2009 Annual Report from the Broward Housing Council Development of a spending plan
Analysis of the mortgage default, including the amount and cause of default
Presentation and explanation of reasonable options available to the homeowner
Assistance communicating with the mortgage servicer and other creditors
Timely completion of promised action
Explanation of collection and foreclosure process
Identification of assistance resources
Referrals to needed resources
Confidentiality, honesty, respect and professionalism in all services
Crisis Budget
Transitional housing
An educated homeowner, that now has a clear understanding of affordability issues
Easy transition and more information to where do I go from here?
More information and a less frustrated previous owner
No fee Face to Face
Group
Individual
Client with Physical disabilities can request a phone/fax counseling
The agency have presently 5 different languages: Spanish
Portuguese
Creole
French
English


DFE – Resolving/Preventing Mortgage Delinquency Workshops
Target Area Housing needs and Problems Description of Educational Services Outcome Fee Schedule Counseling Settings Non-English Speaking (LEP)
Clients
Broward County
2009 Annual Report from the Broward Housing Council Development of a spending plan
Analysis of the mortgage type
Presentation and explanation of reasonable future options available to the homeowner
Create an action plan for savings and emergency funds
Crisis Budget
Options for transitional housing if necessary
Forbearance
Deed in lieu of Foreclosure
Reinstatement
Short sell or sell your home  
Forbearance
Deed in lieu of Foreclosure
Reinstatement
Short sell or sell
Modification
No fee Face to Face
Group
Individual
Client with Physical disabilities can request a phone/fax counseling
The agency have presently 5 different languages: Spanish
Portuguese
Creole
French
English


FBC – Financial Management/Budget One-On-One Counseling for Homeowners
Target Area Housing needs and Problems Description of Educational Services Outcome Fee Schedule Counseling Settings Non-English Speaking (LEP)
Clients
Broward County
2009 Annual Report from the Broward Housing Council Budgeting
Cutting Cost
Credit cards
Financial Emergencies
Identity Theft
Death of a spouse or family member
Review client's credit report and suggest corrections or updates
Help client understand and establish a savings account. . . .Reduction of debt
Clear understanding of stabilized income and employment
Less Foreclosure, and a happy homeowner No fee Face to Face
Group
Individual
Client with Physical disabilities can request a phone/fax counseling
The agency have presently 5 different languages: Spanish
Portuguese
Creole
French
English