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Housing Help
Housing Counseling Gives You the Help You Need
Whether you rent, own or want to buy a home, we can help you reach your goals and maintain financial security. As a HUD-approved housing counseling agency, we offer counseling and educational services to help you make the right move when it comes to your housing needs. As a nonprofit, you can trust our objective and personalized guidance; you are our priority. Take advantage of these services by participating in personalized one on one counseling tailored to you unique situation and by accessing our online educational resources.
Please let us know if you have a disability, language barrier or any impairment that may affect your access to our services. Call 866-987-2008 or email housing@takechargeamerica.org so that we may assist you in making alternative arrangements.
Housing Counseling Services
Pre-Purchase Housing Counseling
Ready to buy a home or just exploring options? Our certified housing counselors will help you make sense of it all. From determining what type of housing suits your needs to budgeting for house-related expenses and the logistics of the homebuying process, our counselors will work with you to understand your specific goals and create a customized action plan to achieve them. During your session, we will complete a financial review and discuss:
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Pros and cons of buying a home
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Search considerations and housing options
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Affordability, upfront costs and ongoing costs
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Mortgage types and options
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Application process
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Protecting your investment
Call 866-987-2008 or email housing@takechargeamerica.org to speak with a counselor or schedule your session.
Post-Purchase Housing Counseling
Whether you just moved in or have been settled for years, our certified housing counselors can help you develop an action plan to protect your investment. From revisiting your budget to preventing foreclosure, we will help you maintain your homeownership goals. During your session, we will complete a financial review and discuss:
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Routine maintenance and repairs
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System maintenance schedule
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Home safety and emergency preparedness
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Home improvement and financing options
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Avoiding foreclosure and default options
Call 866-987-2008 or email housing@takechargeamerica.org to speak with a counselor or schedule your session.
‘Make Your Move’ Online Homebuyer Education
Make Your Move…A Guide to Homeownership© is an online homebuyer education course for prospective homebuyers. This eight-hour course is a requirement to qualify for down-payment assistance programs* such as Home in 5, HOME Plus, Pathways to Purchase and Home Ready. Make Your Move is available online 24/7 and covers:
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Pros and cons of renting vs. buying
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Budgeting and credit
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Pre-approval vs. pre-qualification for a home loan
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Finding the right lender
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Housing affordability and sustainability
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Closing process and loan costs
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Loan types
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Home search and inspection
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Foreclosure prevention
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Call 866-987-2008 or email housing@takechargeamerica.org to speak with a counselor or schedule your session.
Rental Counseling
Are you getting your own place for the first time or moving to a new location? Our certified housing counselors can provide you with one-on-one rental guidance. From determining what type of rental suits your needs to budgeting and the application process, we will help you create an action plan to ensure your move is a success. During your session, we will complete a financial review and discuss:
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Pros and cons of renting
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Search and rental unit options
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Affordability, upfront costs and ongoing costs
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Tenant and landlord responsibilities
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Application process
Call 866-987-2008 or email housing@takechargeamerica.org to speak with a counselor or schedule your session.
Delinquency Housing Counseling
If you are struggling to make your mortgage or rent payments, our certified housing counselors can provide one-on-one guidance. From revisiting your budget to evaluating transition strategies, we will help you develop an action plan based on your specific needs. During your session, we will complete a financial review and discuss:
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Pros and cons of staying in your home
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Options to maintain current housing
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Available resources
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Foreclosure process (for homeowners)
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Eviction process (for renters)
Call 866-987-2008 or email housing@takechargeamerica.org to speak with a counselor or schedule your session.
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