Housing Counseling Process Evaluation and Design of ... - HUD User

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Forms of Assistance for Mortgage Delinquency Clients Agencies have a variety of ways in which they can assist delinquent clients, including providing counseling on a variety of topics and linking clients to legal and financial assistance. The agency survey asked agencies to identify the forms of assistance they offered to their delinquent clients. As shown in Exhibit 6-13, almost all agencies provided budget and debt counseling (93 percent) and advocacy with lenders and servicers (93 percent). A sizeable majority of agencies (69 percent) also provide legal assistance, either directly or through referral to other agencies. Many agencies also reported being able to provide direct assistance to resolve the delinquency either through providing assistance with refinancing to a new loan (53 percent), or providing financial assistance to meet mortgage payments (31 percent) or emergency home repair needs (15 percent). In their comments on the survey, several agencies noted that more of this type of assistance is needed: “Clients that are past due need the most help. Counseling alone will not help, financial assistance and, most importantly, the mortgage companies who helped create the problems need to work with the clients to modify the loans to make it affordable for the homeowners...” (Housing stabilization agency in FL) “It seems an impossible task to help all of the clients currently in need of financial assistance to keep their homes. We need some other financial resources to be made available at this time to assist the client. Too many people are suffering from having refinanced from a fixed rate mortgage to an adjustable rate. Pre-mortgage counseling should have been made mandatory for borrowers in this situation.” (Anti-poverty agency in NJ) Chapter 6. Characteristics of Education and Counseling Services 93
Exhibit 6-13. Share of Agencies Offering Each Form of Assistance to Delinquent Clients Advocacy with lenders/servicers 93% Budget and debt counseling 93% Legal assistance (directly or through referral) 69% Assistance with refinancing to a new loan 53% Financial assistance to meet mortgage payments 31% Financial assistance for emergency home repairs 15% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Source: Abt Associates survey of HUD-approved counseling agencies. Note: Based on survey responses of 556 agencies. Summary This chapter described the characteristics of the housing counseling and education services provided to clients of HUD-approved agencies, with special emphasis on pre-purchase clients and mortgage delinquency clients. The chapter started by describing the hours that clients spend in group sessions (workshops) and one-on-one counseling. Homebuyer workshops are the most time-intensive of the workshops, lasting an average of eight hours compared to one to two hours for other types of workshops. Counseling clients generally receive two hours of counseling, with delinquency counseling somewhat longer and homeless counseling slightly shorter. Clients who primarily attend workshops generally also receive one to 1.5 hours of one-on-one counseling. In addition, most clients require about one hour of case management work that counselors do when the client is not present. The chapter provided additional detail on the counseling and education services provided to prepurchase clients. Pre-purchase clients typically receive between 8 and 10 hours of services, depending on whether they attend workshops or just do one-on-one counseling. Agencies vary in terms of their reliance on workshops and one-on-one counseling. About 20 percent of agencies serve pre-purchase clients mostly through workshops, 20 percent serve most clients through one-on-one counseling, 40 percent serve most clients through a combination of workshops and one-on-one 94 Chapter 6. Characteristics of Education and Counseling Services
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2 0 0 8 R e p o r t The State of th
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The State of the Housing Counseling
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Table of Contents Executive Summary
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List of Exhibits Exhibit 1-1. Exhib
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Exhibit 5-9. Exhibit 5-10. Exhibit
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Exhibit 8-10. Exhibit 8-11. Exhibit
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channeled through NeighborWorks ®
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How is housing counseling funded an
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counseling services from HUD-approv
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Current Challenges Facing the Indus
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standards are sufficient. Support f
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Ideally, intermediaries, SHFAs, and
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Chapter One. Introduction In 2007 3
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Exhibit 1-1. Topic Study Topics and
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Grant Applications Data The final s
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helping clients evaluate whether to
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Section 221 and 235 programs, that
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clients nearly doubled each year. A
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associated with increases in overal
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This last point highlights the fact
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Exhibit 2-6. Intermediaries and SHF
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Exhibit 2-8 maps the location of ea
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Key Challenges for the Industry The
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Chapter Three. Characteristics of C
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credit counseling responded to the
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Exhibit 3-4. Counseling Specializat
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Exhibit 3-6. Services Offered by HU
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Age of Organization and Housing Cou
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Agency Size Most housing counseling
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Exhibit 3-13. Distribution of the N
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Chapter 3. Characteristics of Couns
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Chapter Four. Intermediaries and St
Page 70 and 71: Organization Name Organization Type
Page 72 and 73: Exhibit 4-2. SHFAs Receiving HUD Ho
Page 74 and 75: Exhibit 4-3. Percent of LHCAs Recei
Page 76 and 77: National Credit Union Foundation (N
Page 78 and 79: Several organizations commented tha
Page 80 and 81: Exhibit 4-6. National Certification
Page 82 and 83: SHFAs provide some type of curricul
Page 84 and 85: allow counseling agencies to accept
Page 86 and 87: Chapter Five. Sources of Agency Fun
Page 88 and 89: Exhibit 5-1. Share of Total Funding
Page 90 and 91: Not surprisingly, the number of sou
Page 92 and 93: The next most common types of fundi
Page 94 and 95: Exhibit 5-7. Prevalence of Primary
Page 96 and 97: HUD’s strategy of spreading its a
Page 98 and 99: amount of available funding decline
Page 100 and 101: Our estimate includes all types of
Page 102 and 103: specialized training required for t
Page 104 and 105: Chapter Six. Characteristics of Edu
Page 106 and 107: the client with lenders. The follow
Page 108 and 109: approaches are identified as using
Page 110 and 111: Exhibit 6-4. Share of Clients by Ho
Page 112 and 113: while 24 percent conduct an informa
Page 114 and 115: financial literacy curriculum, focu
Page 116 and 117: Counseling to Resolve Mortgage Deli
Page 118 and 119: Exhibit 6-11. Share of Delinquency
Page 122: counseling, and 20 percent have no
Page 125 and 126: “Funds for administrative respons
Page 127 and 128: Characteristics of Counseling Clien
Page 129 and 130: With respect to ethnicity, 19 perce
Page 131 and 132: Exhibit 7-7. Income Distribution of
Page 133 and 134: Exhibit 7-9. Percent of Agencies wh
Page 135 and 136: who purchased homes. Some agencies
Page 137 and 138: • Clients seeking pre-purchase ho
Page 139 and 140: Exhibit 7-12. Outcomes for Clients
Page 141 and 142: Exhibit 7-13. Outcomes for Clients
Page 143 and 144: engaged in counseling at the time o
Page 145 and 146: To some extent, agencies with diffe
Page 147 and 148: ace, and 6 percent are two or more
Page 150 and 151: Chapter Eight. Characteristics of H
Page 152 and 153: Combining the counseling agency sur
Page 154 and 155: Exhibit 8-6. Race and Ethnicity of
Page 156 and 157: Exhibit 8-8. Educational Attainment
Page 158 and 159: Exhibit 8-10. Main Sources of Train
Page 160 and 161: scholarships, but primarily to its
Page 162 and 163: Exhibit 8-12. Significance of Staff
Page 164 and 165: The open-ended responses to the sur
Page 166: share of counselors with four-year
Page 169 and 170: NeighborWorks® foreclosure mitigat
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Although these changes have allowed
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Standardizing the Quality of Counse
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national counseling standards shoul
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Exhibit 9-2 shows the percent of ag
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discourage smaller agencies from pa
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communication between counselor and
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Increasing Funding for Housing Coun
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Of the 60 intermediaries and SHFAs
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Some of the ways that HUD could sup
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agencies who serve younger clients
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Exhibit A-1. List of Organizations
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Appendix B. Survey of HUD-Approved
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Survey Response Rate The survey fie
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Exhibit B-2. Response Rate by Agenc
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Survey of HUD-Approved Housing Coun
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Contact Information Please complete
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Homebuyer education workshops Post
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6. How many years has your organiza
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10. How many part-time employees ar
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Title/Position Percentage of time s
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PROGRAMMING NOTES: • PROGRAM SO T
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Section C. Organizational Relations
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Organization American Association o
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SOURCE OF FUNDING Foundations Natio
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Education or Counseling Service Pro
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30. What, if any, follow-up (by “
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PROGRAMMING NOTE: PROGRAM SO THAT Q
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38. Of your clients seeking counsel
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42. How problematic are the followi
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PROGRAMMING NOTES: • SHOW ALL SUR
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