- Page 1 and 2: 2 0 0 8 R e p o r t The State of th
- Page 3 and 4: The State of the Housing Counseling
- Page 6 and 7: Table of Contents Executive Summary
- Page 8 and 9: List of Exhibits Exhibit 1-1. Exhib
- Page 10 and 11: Exhibit 5-9. Exhibit 5-10. Exhibit
- Page 14 and 15: Executive Summary Introduction In 2
- Page 16 and 17: organizations approved by HUD to pr
- Page 18 and 19: The regression results help to iden
- Page 20 and 21: agency, about two-thirds remained i
- Page 22 and 23: In order to meet the demand for HEC
- Page 24 and 25: agencies currently employ new techn
- Page 26: Outlook for the Counseling Industry
- Page 29 and 30: As part of its response to the fore
- Page 31 and 32: Data Sources To address the researc
- Page 34 and 35: Chapter Two. Overview of the Housin
- Page 36 and 37: owners with home maintenance or fin
- Page 38 and 39: for the smallest share of all couns
- Page 40 and 41: Trends in HUD Funding Interestingly
- Page 42 and 43: 2005, the number of approved agenci
- Page 44 and 45: Exhibit 2-5. HUD-Approved LHCAs, th
- Page 46 and 47: Chapter 2. Overview of the Housing
- Page 48 and 49: Exhibit 2-8. Location of HUD-Approv
- Page 50: Summary This chapter provided an ov
- Page 53 and 54: Exhibit 3-1. Primary Agency Mission
- Page 55 and 56: Based on the numbers of clients ser
- Page 57 and 58: Exhibit 3-5. Counseling Specializat
- Page 59 and 60: 32 Exhibit 3-7. Services Offered in
- Page 61 and 62: Exhibit 3-9. Decade Incorporated by
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Exhibit 3-12. Ratio of Housing Coun
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Exhibit 3-14. Mean and Median Numbe
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Summary This chapter discussed the
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Intermediaries Exhibit 4-1 lists th
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and AARP Foundation—received hous
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Like the intermediaries, SHFAs tend
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was 36. 20 Excluding NeighborWorks
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A few organizations require agencie
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approximately $2.6 million for trai
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provided by Fannie Mae, Freddie Mac
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Exhibit 4-8. Percent of Agencies Re
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have access to a variety of local,
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Information on agencies’ total bu
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Exhibit 5-2. Distribution of Counse
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their primary or secondary funding
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66 Exhibit 5-6. Prevalence of Prima
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significant turn over in staffing.
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Of the 347 LHCAs that had received
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variation in average per client cos
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low end, 5 percent of agencies have
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hours spent per client, with agenci
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Exhibit 6-1. Estimated Number of Ho
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challenges of funding housing couns
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Exhibit 6-3. Average Number of Hour
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clients—9.8 hours on average comp
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Exhibit 6-7. Workshop Curriculum 60
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A final issue examined in the agenc
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counseling between 10 and 24 percen
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that subprime delinquencies are muc
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Exhibit 6-13. Share of Agencies Off
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Chapter Seven. Client Characteristi
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Exhibit 7-1. Source of Client Refer
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Among the different agency mission
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Exhibit 7-6. Percent of Agencies Se
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low income client. At the other end
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follow-up refers specifically to co
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Exhibit 7-10. Methods of Client Fol
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Exhibit 7-11. Outcomes for Clients
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some through pre-foreclosure or sho
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Approximately 107,000 clients were
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tracking agency activities and clie
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The challenges of having to use mul
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following the counseling, about 14
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Exhibit 8-2. Ethnicity of Housing C
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The race and ethnicity of housing c
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Exhibit 8-7. Educational Attainment
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Exhibit 8-9. 40% Counselors' Years
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equirements on counselor qualificat
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Exhibit 8-11. Extent to Which Staff
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“The lack of training with regard
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clients for two years or more, I st
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Chapter Nine. Policy Considerations
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and then require them to attend in-
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letter are provided accurately by t
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the organizations interviewed said
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y HUD, the survey asked which of th
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Exhibit 9-3. Need for National Stan
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Reaching Clients at the Right Time
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part, this comes back to the challe
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To the extent that housing counseli
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them money. HUD should set standard
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agencies reorienting their services
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Appendix A. Interviews with Interme
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interview guides were created for o
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The specific questions asked of res
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parent organization operating natio
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Finally, Exhibit B-4 present respon
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organization will review the questi
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Section A. Organization Information
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PROGRAMMING NOTE: Respondents who s
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8. In addition to the housing couns
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Section B. Housing Education and Co
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PAGE BREAK • INCLUDE staff even i
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19. Of the [PROGRAMMER: FILL IN NUM
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Type of Organization They provide c
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Section D. Organizational Budget PR
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Section E. Service Delivery PROGRAM
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29. Which data tracking tools do yo
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PROGRAMMING NOTE: For items in blue
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35. Which one statement below best
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Section F. Organizational Challenge
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Education or Counseling Service Pro
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U.S. Department of Housing and Urba