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

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Exhibit 3-6. Services Offered by HUD-Approved Agencies in Addition to Housing Counseling Percent of Service Agencies Financial literacy education or counseling 77% Referrals to other social service programs 77% Credit counseling for people with debt problems 70% Down payment and closing cost assistance programs for homeownership 48% Housing development 44% Assistance with fair housing issues 37% Debt management plan creation and administration 33% Rental property ownership or management 33% Housing search/housing placement 30% Community organizing 28% Individual Development Accounts (IDAs) 25% Administration of other funding for housing issues 25% Home improvement loans for homeownership 23% Construction management 21% First mortgage financing for homeownership 20% Administration of rental housing subsidies 20% Food or nutrition services 20% Bankruptcy counseling 18% Neighborhood planning 18% Job training 17% Small business development 15% Legal services or advocacy 12% Administration of housing shelter program 12% Source: Abt Associates survey of HUD-approved counseling agencies. Note: Based on survey responses of 1,131 agencies. Chapter 3. Characteristics of Counseling Agencies 31
32 Exhibit 3-7. Services Offered in Addition to Housing Counseling, by Agency Mission Type* Chapter 3. Characteristics of Counseling Agencies Service Housing Counseling Housing/ Neighborhood Development Social Service Consumer Credit Legal Assistance Financial literacy education or counseling 80% 75% 78% 97% 43% Referrals to other social service programs 68% 75% 86% 83% 87% Credit counseling for people with debt problems 76% 70% 64% 98% 41% Down payment and closing cost assistance programs 52% 64% 38% 8% 11% Housing development 25% 72% 39% 5% 11% Assistance with fair housing issues 33% 32% 44% 35% 74% Debt management plan creation and administration 34% 28% 29% 92% 13% Rental property ownership or management 19% 51% 33% 5% 9% Food or nutrition services 5% 8% 53% 6% 4% Bankruptcy counseling 10% 11% 14% 86% 54% Legal services or advocacy 7% 7% 14% 3% 85% Source: Abt Associates survey of HUD-approved counseling agencies. Note: Based on survey responses of 1,131 agencies. * Table only includes services offered by at least 50 percent of agencies of at least one agency mission type. Cells are shaded when more than 50 percent of agencies of a given agency mission type offer the service.
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 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
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 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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