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

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Exhibit 8-6. Race and Ethnicity of Counselors and Educators by Counseling Specialization 50% 45% 48% 43% 40% 36% 38% 30% 28% 26% 25% 20% 16% 10% 11% 0% Pre-purchase Post-purchase Pre- and Post- Rental or No Specialization purchase Homeless Percent Non-White ( N=1,032) Percent Hispanic/ Latino ( N=923) Source: Abt Associates survey of HUD-approved counseling agencies. Notes: Agencies are categorized as specializing in one of four types of counseling (pre-purchase, post-purchase, pre- and post-purchase, rental or homeless) when at least 80 percent of their clients receive that type of counseling. Agencies that do not have at least 80 percent of their clients receiving one of the four types of counseling are categorized as “no specialization.” “N=” indicates number of survey respondents for that category. Counselor Education, Experience, and Training Education In addition to race and ethnicity, the counseling agency survey collected information on the highest level of education attained by housing counselors. Overall, a majority of housing counselors are college educated—with 65 percent holding a two- or four-year college degree and another 25 percent having attended some college (Exhibit 8-7). Overall, 51 percent of counselors have a four-year college degree or above. Chapter 8. Characteristics of Housing Counselors 127
Exhibit 8-7. Educational Attainment of Housing Counselors Percent of Highest Education Level Attained Counselors Less than high school graduation 0% High school graduate or GED 10% Some college, but no college degree 25% Two-year college degree 13% Four-year college degree 38% Advanced graduate or professional degree 13% Source: Abt Associates survey of HUD-approved counseling agencies. Note: Based on survey responses of 1,052 agencies. Exhibit 8-8 compares the share of counselors with a four-year college degree or above by different agency characteristics: primary mission, counseling specialization, and annual client volume (as a proxy for agency size). Among the agency mission types, only agencies whose primary mission is housing counseling have fewer than average counselors with four-year college degrees. In terms of counseling specialization, agencies who serve mostly post-purchase clients or who serve a mix of client types (“no specialization”) have the highest share of counselors with a four-year college degree and agencies that serve mostly pre-purchase clients have the lowest. Looking at agency size, there is no clear pattern—agencies serving 500 to 999 clients have the highest share of counselors with a four-year college degree, but there is no difference between agencies with the smallest and largest client volumes. Years of Experience In applying for HUD housing counseling funds, intermediaries, SHFAs, and LHCAs are required to report on the years of experience and training received by the educators and counselors who will be providing HUD-funded housing counseling services. The FY 2006 grant applications analyzed for this study contained information on years of experience was available for 4,054 individuals. As shown in Exhibit 8-9, most counselors have several years of experience. The largest share of counselors (36 percent) have 2 to 5 years of counseling experience, but about half of all counselors have at least six years of experience. Relatively few counselors, about 1 in 8, have been providing housing counseling services for a year or less. The average across all counselors was 8 years of experience. 128 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
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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 152 and 153: Combining the counseling agency sur
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
Page 202 and 203: 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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