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

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Combining the counseling agency survey results with 9902 data allows us to compare the race and ethnicity of counselors and their clients. As shown in Exhibit 8-4, counselors are somewhat more likely to be white, black, or Hispanic/Latino than their clients, and somewhat less likely to be Asian, American Indian/Alaska Native, or multi-racial. Overall, however, the racial and ethnic profile of counselors and clients is quite similar. The interviews with intermediaries and SHFAs, however, suggest that the growth of immigrant populations is a trend in the industry that is putting strain on some counseling agencies. Rapid growth in immigrant populations in some markets, for example, has required agencies to increase capacity to deliver services in multiple languages (beyond English and Spanish) and to modify outreach and service delivery methods to accommodate different cultures. Exhibit 8-4. Race and Ethnicity of Counselors and Educators Compared to Counseling Clients, Across all Agencies 60% 56% 54% 50% 40% 38% 35% 30% 26% 20% 19% 10% 6% 2% 3% 1% 1% 2% 0% White Black/ Asian American Indian/ Two or more Hispanic/Latino African Alaska Native races American Counselors and Educators Counseling Clients Source: Abt Associates survey of HUD-approved counseling agencies and Abt Associates tabulations of HUD 9902 data. Notes: Number of survey respondents for Counselors and Educators race is 1,032. Number of survey respondents for Counseling Clients race is 1,631. Number of survey respondents for Counselors and Educators ethnicity is 923. Number of survey respondents for Counseling Clients ethnicity is 1,631. Chapter 8. Characteristics of Housing Counselors 125
The race and ethnicity of housing counselors vary somewhat by counseling agency mission type. As shown in Exhibit 8-5, agencies whose primary mission is housing counseling have the highest percentage of non-white and Hispanic counselors, followed by agencies with a community development mission. At the other end of the spectrum, agencies that focus on legal assistance have the lowest percentage of non-white and Hispanic counselors. Exhibit 8-5. Race and Ethnicity of Educators and Counselors by Agency Mission Type 60% 50% 50% 47% 40% 36% 39% 36% 30% 26% 20% 20% 19% 21% 13% 10% 0% Housing Housing/ Social Consumer Legal Counseling Neighborhood Service Credit Assistance Development Percent Non-White (N=1,032) Percent Hispanic/ Latino ( N=923) Source: Abt Associates survey of HUD-approved counseling agencies. Note: “N=” indicates number of survey respondents for that category. Comparing counselor characteristics across different counseling specializations, we find no clear pattern (Exhibit 8-6). The agencies with the highest percentage of non-white and Hispanic counselors are those that that serve mostly pre-purchase clients or a combination of pre- and post-purchase clients. 126 Chapter 8. Characteristics of Housing Counselors
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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
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Organization Name Organization Type
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Exhibit 4-2. SHFAs Receiving HUD Ho
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Exhibit 4-3. Percent of LHCAs Recei
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National Credit Union Foundation (N
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Several organizations commented tha
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Exhibit 4-6. National Certification
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SHFAs provide some type of curricul
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allow counseling agencies to accept
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Chapter Five. Sources of Agency Fun
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Exhibit 5-1. Share of Total Funding
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Not surprisingly, the number of sou
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The next most common types of fundi
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Exhibit 5-7. Prevalence of Primary
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HUD’s strategy of spreading its a
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amount of available funding decline
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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 120 and 121: Forms of Assistance for Mortgage De
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 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
Page 171 and 172: Although these changes have allowed
Page 173 and 174: Standardizing the Quality of Counse
Page 175 and 176: national counseling standards shoul
Page 177 and 178: Exhibit 9-2 shows the percent of ag
Page 179 and 180: discourage smaller agencies from pa
Page 181 and 182: communication between counselor and
Page 183 and 184: Increasing Funding for Housing Coun
Page 185 and 186: Of the 60 intermediaries and SHFAs
Page 187 and 188: Some of the ways that HUD could sup
Page 189 and 190: agencies who serve younger clients
Page 191 and 192: Exhibit A-1. List of Organizations
Page 194 and 195: Appendix B. Survey of HUD-Approved
Page 196 and 197: Survey Response Rate The survey fie
Page 198 and 199: Exhibit B-2. Response Rate by Agenc
Page 200 and 201: 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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