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

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Age of Organization and Housing Counseling Experience As shown in Exhibit 3-8, the vast majority of HUD-approved counseling agencies were founded since 1960, with more than half (53 percent) founded since 1980. However, the average age of agencies varies substantially by agency mission type. Social service, consumer credit, and legal assistance agencies, for example, tend to be older, with a majority founded before 1980 (Exhibit 3-9). By contrast, nearly one half of the agencies whose primary mission is housing counseling were founded since 1990, including 14 percent were founded since 2000. This growth in agencies specializing in housing counseling likely reflects the greater emphasis placed on efforts to increase homeownership beginning in the early 1990s through affordable loan products that often had counseling requirements. Growth in the industry may also have been aided by the increase in HUD funding for housing counseling activities in the late 1990s and early 2000s. Exhibit 3-8. Agencies by Decade Incorporated 25% 20% 20% 19% 22% 23% Percent of Agencies 15% 10% 8% 8% 5% 0% 1900-59 1960-69 1970-79 1980-89 1990-99 2000-09 Source: Abt Associates survey of HUD-approved counseling agencies. Note: Based on survey responses of 1,144 agencies. Chapter 3. Characteristics of Counseling Agencies 33
Exhibit 3-9. Decade Incorporated by Agency Mission Type Housing counseling Housing/neighborhood development Social service Consumer credit Legal assistance Pre-1980 1980-1989 1990-1999 2000-2007 26% 29% 31% 14% 35% 28% 29% 7% 75% 13% 7% 4% 70% 8% 19% 3% 74% 9% 13% 4% Source: Abt Associates survey of HUD-approved counseling agencies. Note: Based on survey responses of 1,123 agencies. In terms of the housing counseling services provided by HUD-approved counseling agencies, the most established services are rental counseling, homeless counseling, and assistance on fair housing issues. As shown in Exhibit 3-10, at least half the agencies surveyed reported that they had provided at least one of these three services for more than 10 years. Other established services include: postpurchase counseling to resolve or prevent mortgage delinquency, post-purchase counseling related to mortgage refinance, and pre-purchase homebuyer counseling. The most recent services to be offered by HUD-approved counseling agencies are predatory lending workshops and post-purchase homeowner workshops. (These are also services offered by a relatively small number of agencies.) In the case of predatory lending workshops, more than half the agencies surveyed had been offering this service for five years or less. Exhibit 3-10. Number of Years Providing Housing Education or Counseling Services Service 5 Years or Less 10 Years or Less More Than 10 Years Pre-purchase homebuyer counseling (N=854) 25% 32% 43% Homebuyer education workshops (N=801) 26% 34% 40% Predatory lending workshops (N=205) 57% 24% 19% Post-purchase counseling, mortgage delinquency (N=587) 32% 23% 44% Post-purchase counseling, mortgage refinancing (N=298) 36% 19% 45% Post-purchase homeowner workshops (N=252) 46% 27% 27% Counseling related to Home Equity Conversion Mortgages (N=244) 34% 30% 35% Assistance on fair housing issues (N=119) 30% 20% 50% Rental counseling (N=480) 17% 20% 63% Homeless counseling (N=218) 16% 21% 63% Source: Abt Associates survey of HUD-approved counseling agencies. Note: Shaded numbers highlight services where a majority of agencies have provided these services for 10 years or more. 34 Chapter 3. Characteristics of 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
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 58 and 59: Exhibit 3-6. Services Offered by HU
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
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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
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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
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