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

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Exhibit 2-5. HUD-Approved LHCAs, their Branches, and Relationship to Intermediaries and SHFAs HUD Approved Counseling Agencies HUD Approved Counseling Agencies (March (March 2008) 2008) LHCAs LHCAs 834 834 National & Regional National & Regional Intermediaries Intermediaries 20 20 SHFAs SHFAs 17 17 Branch Offices Branch Offices 529 529 Affiliated LHCAs Affiliated LHCAs 834 834 Affiliated LHCAs Affiliated LHCAs 145 145 Branches Branches 125 125 Branches Branches 5 5 As noted above, not all HUD-approved agencies receive funding from HUD. In 2007, HUD awarded housing counseling funds to 352 individual LHCAs, 20 national and regional intermediaries, and 17 SHFAs (Exhibit 2-6 lists the intermediaries and SHFAs funded in 2007). National and regional intermediaries received about 58 percent of the funding, LHCAs received 37 percent, and SHFAs received 5 percent. The lower share of funding going to SHFAs in part reflects the much smaller network of counseling agencies they are supporting as shown in Exhibit 2-5. This allocation has remained roughly the same since 2003, although the number of LHCAs competing for housing counseling funds has increased. (Further details on HUD funding are discussed in Chapter 5.) Chapter 2. Overview of the Housing Counseling Industry 17
Exhibit 2-6. Intermediaries and SHFAs Funded through HUD’s Housing Counseling Program in FY 2007 Intermediaries AARP Foundation ACORN Housing Corporation Catholic Charities USA Citizens’ Housing and Planning Association (CHAPA) Homefree USA Homeownership Preservation Foundation Housing Partnership Network Mission of Peace Mississippi Homebuyer Education Center Initiative Mon Valley Initiative SHFAs Georgia Housing and Finance Authority Idaho Housing and Finance Association Iowa Finance Authority Kentucky Housing Corporation Maine State Housing Authority Michigan State Housing Development Authority Mississippi Home Corporation Montana Board of Housing New Hampshire Housing Finance Authority Money Management International National Association of Real Estate Brokers National Council of La Raza National Credit Union Foundation National Foundation for Credit Counseling National Urban League NeighborWorks® America Rural Community Assistance Corporation Structured Employment Economic Development Corporation West Tennessee Legal Services New Mexico Mortgage Finance Authority North Dakota Housing Finance Agency Ohio Housing Finance Agency Pennsylvania Housing Finance Agency Rhode Island Housing And Mortgage Finance Corporation South Dakota Housing Development Authority Virginia Housing Development Authority Washington State Housing Finance Commission Geographic Distribution of Counseling Agencies Since HUD values face-to-face counseling, it is of some importance that housing counseling agencies have a physical presence in as many communities as possible throughout the country. Using information on the location of each HUD-approved agency and their branches from March 2008, we were able to identify the number of counties around the country that are served by one or more counseling agency offices (including main offices and branches). Exhibit 2-7 summarizes this information. Counseling agencies are present in 894 of the 3,141 counties in the country. For the most part, the 2,247 counties without a counseling agency tend to be small, with an average population of only 30,000 and accounting in the aggregate for only 21 percent of the country’s population. Thus, 79 percent of the country’s population lives in a county with at least one counseling agency, including 46 percent living in counties with 4 or more agencies and averaging 8 agencies per county. 18 Chapter 2. Overview of the Housing Counseling Industry
Page 1 and 2: 2 0 0 8 R e p o r t The State of th
Page 3 and 4: The State of the Housing Counseling
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: This last point highlights the fact
Page 47 and 48: Exhibit 2-8 maps the location of ea
Page 49 and 50: Key Challenges for the Industry The
Page 52 and 53: Chapter Three. Characteristics of C
Page 54 and 55: credit counseling responded to the
Page 56 and 57: Exhibit 3-4. Counseling Specializat
Page 58 and 59: Exhibit 3-6. Services Offered by HU
Page 60 and 61: Age of Organization and Housing Cou
Page 62 and 63: Agency Size Most housing counseling
Page 64 and 65: Exhibit 3-13. Distribution of the N
Page 66 and 67: Chapter 3. Characteristics of Couns
Page 68 and 69: Chapter Four. Intermediaries and St
Page 70 and 71: Organization Name Organization Type
Page 72 and 73: Exhibit 4-2. SHFAs Receiving HUD Ho
Page 74 and 75: Exhibit 4-3. Percent of LHCAs Recei
Page 76 and 77: National Credit Union Foundation (N
Page 78 and 79: Several organizations commented tha
Page 80 and 81: Exhibit 4-6. National Certification
Page 82 and 83: SHFAs provide some type of curricul
Page 84 and 85: allow counseling agencies to accept
Page 86 and 87: Chapter Five. Sources of Agency Fun
Page 88 and 89: Exhibit 5-1. Share of Total Funding
Page 90 and 91: Not surprisingly, the number of sou
Page 92 and 93: The next most common types of fundi
Page 94 and 95:
Exhibit 5-7. Prevalence of Primary
Page 96 and 97:
HUD’s strategy of spreading its a
Page 98 and 99:
amount of available funding decline
Page 100 and 101:
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 152 and 153:
Combining the counseling agency sur
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
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 224 and 225:
PROGRAMMING NOTE: PROGRAM SO THAT Q
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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