- Page 1: 2 0 0 8 R e p o r t The State of th
- 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 12: Exhibit 8-10. Exhibit 8-11. Exhibit
- Page 15 and 16: channeled through NeighborWorks ®
- Page 17 and 18: How is housing counseling funded an
- Page 19 and 20: counseling services from HUD-approv
- Page 21 and 22: Current Challenges Facing the Indus
- Page 23 and 24: standards are sufficient. Support f
- Page 25 and 26: Ideally, intermediaries, SHFAs, and
- Page 28 and 29: Chapter One. Introduction In 2007 3
- Page 30 and 31: Exhibit 1-1. Topic Study Topics and
- Page 32: Grant Applications Data The final s
- Page 35 and 36: helping clients evaluate whether to
- Page 37 and 38: Section 221 and 235 programs, that
- Page 39 and 40: clients nearly doubled each year. A
- Page 41 and 42: associated with increases in overal
- Page 43 and 44: This last point highlights the fact
- Page 45 and 46: Exhibit 2-6. Intermediaries and SHF
- Page 47 and 48: Exhibit 2-8 maps the location of ea
- Page 49 and 50: 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
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Chapter Six. Characteristics of Edu
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the client with lenders. The follow
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approaches are identified as using
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Exhibit 6-4. Share of Clients by Ho
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while 24 percent conduct an informa
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financial literacy curriculum, focu
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Counseling to Resolve Mortgage Deli
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Exhibit 6-11. Share of Delinquency
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Forms of Assistance for Mortgage De
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counseling, and 20 percent have no
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“Funds for administrative respons
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Characteristics of Counseling Clien
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With respect to ethnicity, 19 perce
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Exhibit 7-7. Income Distribution of
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Exhibit 7-9. Percent of Agencies wh
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who purchased homes. Some agencies
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• Clients seeking pre-purchase ho
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Exhibit 7-12. Outcomes for Clients
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Exhibit 7-13. Outcomes for Clients
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engaged in counseling at the time o
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To some extent, agencies with diffe
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ace, and 6 percent are two or more
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Chapter Eight. Characteristics of H
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Combining the counseling agency sur
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Exhibit 8-6. Race and Ethnicity of
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Exhibit 8-8. Educational Attainment
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Exhibit 8-10. Main Sources of Train
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scholarships, but primarily to its
- Page 162 and 163:
Exhibit 8-12. Significance of Staff
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The open-ended responses to the sur
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share of counselors with four-year
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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