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

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PROGRAMMING NOTE: PROGRAM SO THAT QUESTIONS 32 THROUGH 37 ARE ASKED ONLY IF EITHER “PRE-PURCHASE HOMEBUYER COUNSELING” OR “HOMEBUYER EDUCATION WORKSHOPS” IS CHECKED IN QUESTION 4, OR APPEARS IN THE SAMPLE FILE PROGRAMMING NOTES: • ALLOW ONLY ONE CHECK PER ROW IN Q32 • ROTATE ROWS EXCEPT “OTHER” 32. What technologies has your organization employed when providing PRE-PURCHASE housing education and counseling? Please check only one in each row. Technology [ROTATE EXCEPT OTHER] We currently employ this technology Considering it, but not currently utilized Not considering it, not currently utilized Video conference DVDs or videotapes Telephone Online / Internet / e-mail Other (Please specify)_________ 33. Approximately what percent of your clients drop out prior to completing PRE-PURCHASE homebuyer education workshops? (Your best estimate is fine.) ____________% 33_B. Approximately what percentage of your PRE-PURCHASE homebuyer education or counseling clients from the most recent 12 month period available DID THE FOLLOWING: (Your best estimate is fine.) PROGRAMMING NOTE: IF ANSWERED, TOTAL MUST = 100% ____% Only attended one or more workshops or other group sessions (even if they dropped out eventually)? ____% Only received one-on-one counseling? ____% Both attended workshops and received one-on-one counseling? ____% Total (Must equal 100%) 34. For clients seeking pre-purchase homebuyer education or counseling last year, list the estimated percentage of clients who fit into the following homeownership readiness status categories when they began receiving services from you. (PLEASE NOTE: the four categories should total 100%) PROGRAMMING NOTE: IF ANSWERED, TOTAL MUST = 100% ____% Near-ready (ready to buy a first home within 0-3 months) ____% Short-term (ready to buy a first home within 3-6 months) ____% Long-term (ready to buy a first home after 6 months) ____% Unknown ____% Total (Must equal 100%) Appendix B. Survey of HUD-Approved Counseling Agencies 197
35. Which one statement below best describes the way your agency determines the type or extent of services your pre-purchase clients should receive? PROGRAMMING NOTE: Allow only one response. All clients generally receive a standard set of services A formal or systematic needs assessment is done using a standard process driven by a checklist or software Clients’ needs are assessed utilizing an informal process without the aid of checklists or software 36. Which of the following curricula are used in your organization for homebuyer education workshops? Please check all that apply. Realizing the American Dream by NeighborWorks® America Keys to Homeownership by National Foundation for Credit Counseling (NFCC) CreditSmart by Freddie Mac Money Smart Your own locally-developed materials Other (Please specify)____________ Other (Please specify)____________ Other (Please specify)____________ 37. Which of the following non-agency individuals do you typically involve as presenters in your homebuyer workshops? Please check all that apply. PROGRAMMING NOTE: OTHER RESPONSES IF NONE OF THE ABOVE IS SELECTED, DO NOT ALLOW Real estate agents Mortgage lenders or brokers Attorneys Title or escrow agents Home inspectors Representatives of government agencies providing homebuyer assistance Insurance agents Tax advisors/accountants/financial planners Environmental or Energy experts Other nonprofit organizations or agency representatives None of the above PROGRAMMING NOTE: PROGRAM SO THAT QUESTIONS 38 THROUGH 40 ARE ONLY ASKED IF “Post-purchase homeowner counseling to resolve or prevent mortgage delinquency” IS CHECKED IN QUESTION 4, OR APPEARS IN THE SAMPLE FILE 198 Appendix B. Survey of HUD-Approved Counseling Agencies
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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
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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
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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
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
Page 204 and 205: Homebuyer education workshops Post
Page 206 and 207: 6. How many years has your organiza
Page 208 and 209: 10. How many part-time employees ar
Page 210 and 211: Title/Position Percentage of time s
Page 212 and 213: PROGRAMMING NOTES: • PROGRAM SO T
Page 214 and 215: Section C. Organizational Relations
Page 216 and 217: Organization American Association o
Page 218 and 219: SOURCE OF FUNDING Foundations Natio
Page 220 and 221: Education or Counseling Service Pro
Page 222 and 223: 30. What, if any, follow-up (by “
Page 226 and 227: 38. Of your clients seeking counsel
Page 228 and 229: 42. How problematic are the followi
Page 230 and 231: PROGRAMMING NOTES: • SHOW ALL SUR
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