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

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Exhibit 4-3. Percent of LHCAs Receiving Funding from Affiliated Organizations 50% 40% 42% 40% Percent of Agencies 30% 20% 26% 14% 13% 10% 0% Intermediaries State Housing Fannie Mae, Entreprise Statewide or Finance Agency Freddie Mac, or or LISC Regional Housing Federal Home Counseling Loan Bank Collaboratives Source: Abt Associates survey of HUD-approved counseling agencies. Note: Based on survey responses of 1,104 agencies. The share of agencies reporting that they receive funding from SHFAs may seem high given that SHFAs get much less HUD funding than intermediaries. However, as noted above, SHFAs draw upon a variety of sources of funding available to them to support local agencies, including proceeds from bond sales, state housing trust funds, agency reserves, and other federal funds (whose source may not be known to local counseling agencies responding to the survey). Survey responses suggest that support from SHFAs is fairly significant. The counseling agency survey asked LHCAs to identify the individual intermediaries from which they receive funding. (We did not request the same level of detail on specific SHFAs.) Although 42 percent of agencies report receiving funding from one or more of the 20 HUD-funded intermediaries, a much smaller share of agencies receive funding from any single intermediary (see Exhibit 4-4). An exception is NeighborWorks® America, which provides funding to 17 percent of the agencies surveyed. In 2006, NeighborWorks® America received approximately $1.3 million in HUD housing counseling funds, which it allocated to approximately 95 local counseling affiliates as sub-grantees. NeighborWorks® America is one of the larger intermediaries in terms the number of affiliates to which it allocates HUD counseling funds. Among the intermediaries that received HUD counseling funds in FY 2006, the average number of affiliates receiving HUD funds through the intermediary Chapter 4. Intermediaries and State Housing Finance Agencies 47
was 36. 20 Excluding NeighborWorks® America, the average was 31. Reflecting the substantially lower amounts of their grants, SHFAs tended to fund fewer affiliates with their HUD grants—an average of about 12 agencies for FY 2006. However, SHFAs tend to have a large number of affiliates that provide housing counseling services but do not receive HUD housing counseling funds through the SHFA. On average, HUD-funded SHFAs had 36 counseling affiliates in 2006, including those that receive HUD funding through the SHFA. Exhibit 4-4. Share of Agencies Receiving Funding from Individual Intermediaries Percent of Intermediary Agencies American Association of Retired Persons (AARP) 1% Association of Community Organizations for Reform Now (ACORN) 2% Catholic Charities 6% HomeFree USA 2% Housing Partnership Network (HPN) 3% Mission of Peace 2% Money Management International (MMI) 21 0.4% National Association of Real Estate Brokers (NAREB) 1% National Council of La Raza (NCLR) 3% National Credit Union Foundation (NCUF) 2% National Foundation for Credit Counseling (NFCC) 4% National Urban League (NUL) 3% NeighborWorks® America 17% Rural Community Assistance Corporation (RCAC) 2% Structured Employment Economic Development Corporation (Seedco) 2% Source: Abt Associates survey of HUD-approved counseling agencies. Note: Based on survey responses of 1,104 agencies. In some cases, counseling providers receive funding through an intermediary or SHFA that comes from a funding source other than HUD Housing Counseling funds. For example, in FY 2006 the 20 21 Because our interviews were conducted in the summer of 2007 and HUD’s FY 2007 awards for housing counseling were not announced until October 2007, HUD-funded intermediaries and SHFAs generally provided information about their FY 2006 grants. We interviewed 16 of the 17 intermediaries that received HUD grants in FY 2006. Of these, 14 funded affiliates with their HUD grants while two provided counseling services through their own branch offices only. As noted in Appendix B, MMI affiliates did not respond to the survey, which explains why this fairly large intermediary is grossly under represented in this table. 48 Chapter 4. Intermediaries and State Housing Finance 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
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 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 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
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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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