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

38. Of your clients seeking counseling to resolve a mortgage delinquency, approximately what
percentage are PRIMARILY helped using the following methods?
PROGRAMMING NOTE: IF ANSWERED, TOTAL MUST = 100%
____% Telephone
____% In-person office
____% In person at client home
____% E-mail
____% Other
____% Don’t know
____% Total (Must equal 100%)
39. Of your clients seeking counseling to resolve a mortgage delinquency, approximately what share
have the following factors as the PRIMARY cause of their mortgage delinquency (in the opinion
of the counselor)?
PROGRAMMING NOTES:
• ROTATE OPTIONS EXCEPT OTHER AND DON’T KNOW
• IF ANSWERED, TOTAL MUST = 100%
____% Borrower lost job or significant portion of income
____% Health problem or disability
____% Divorce
____% Death of a spouse
____% Home repair costs or problem with home improvement
____% Increase in non-housing related expenses
____% Increase in mortgage payment due to adjustable rate mortgage
____% Increase in property taxes or tax arrearages
____% Poor financial choices
____% Mortgage origination or appraisal fraud, or an unsuitable loan product for borrower's
initial situation
____% Other
____% Don’t know
____% Total (Must equal 100%)
40. Which of the following services do you provide for borrowers seeking post-purchase mortgage
delinquency counseling? Please check all that apply.
PROGRAMMING NOTE:
OTHER RESPONSES
IF NONE OF THE ABOVE IS SELECTED, DO NOT ALLOW
Advocacy with lenders/servicers (including restructuring, loss mitigation and forbearance)
Assistance with refinancing to new loan
Budget and debt counseling
Legal assistance (directly or through referral)
Financial assistance to meet mortgage payments
Financial assistance for emergency home repairs
Other (Please specify)__________________
None of the above
PAGE BREAK
Appendix B. Survey of HUD-Approved Counseling Agencies 199