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

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List of Exhibits Exhibit 1-1. Exhibit 2-1. Exhibit 2-2. Exhibit 2-3. Exhibit 2-4. Study Topics and Research Questions ................................................................ 3 Trends in Housing Counseling Clients 1994-2007............................................ 11 Total Persons Attending Housing Education/Workshops ............................... 12 HUD Appropriation for Housing Counseling 1969-2008 ................................ 13 Trends in the Number of HUD-Approved Counseling Agencies .................... 15 Exhibit 2-5. HUD-Approved LHCAs, their Branches, and Relationship to Intermediaries and SHFAs........................................................................................................... 17 Exhibit 2-6 Intermediaries and SHFAs Funded through HUD’s Housing Counseling Program in FY 2007 ........................................................................................... 18 Exhibit 2-7. Exhibit 2-8. Exhibit 3-1. Exhibit 3-2. Exhibit 3-3. Exhibit 3-4. Exhibit 3-5. Exhibit 3-6. Exhibit 3-7. Exhibit 3-8. Exhibit 3-9. Exhibit 3-10. Exhibit 3-11. Distribution of Counties by the Number of Counseling Agencies and Branches in the County...................................................................................... 19 Location of HUD-Approved Housing Counseling Agencies and Branches.... 21 Primary Agency Mission as Reported in Counseling Survey..........................26 Share of Agencies by Agency Mission Type ..................................................... 26 Percent of Agencies Offering Housing Education or Counseling Services .... 27 Counseling Specialization ................................................................................... 29 Counseling Specialization by Agency Mission Type ........................................ 30 Services Offered by HUD-Approved Agencies in Addition to Housing Counseling.............................................................................................................31 Services Offered in Addition to Housing Counseling, by Agency Mission Type*.....................................................................................................................32 Agencies by Decade Incorporated ..................................................................... 33 Decade Incorporated by Agency Mission Type ................................................ 34 Number of Years Providing Housing Education or Counseling Services ...... 34 Number of FTEs by Agency Mission Type ....................................................... 35 List of Exhibits iii
Exhibit 3-12. Ratio of Housing Counseling Employees to Total Employees by Agency Mission Type................................................................................................... 36 Exhibit 3-13. Exhibit 3-14. Exhibit 3-15. Exhibit 4-1. Exhibit 4-2. Exhibit 4-3. Exhibit 4-4. Exhibit 4-5. Exhibit 4-6. Exhibit 4-7. Exhibit 4-8. Exhibit 5-1. Exhibit 5-2. Exhibit 5-3. Exhibit 5-4. Exhibit 5-5. Exhibit 5-6. Exhibit 5-7. Exhibit 5-8. Distribution of the Number of Agencies and Client Volume by the Number of Clients in FY 2007 .............................................................................................. 37 Mean and Median Number of Clients Served per Year by Agency Mission Type.......................................................................................................................38 FY 2007 Client Volumes by Agency Specialization.......................................... 39 National and Regional Intermediaries Funded by HUD in FY 2007.............. 42 SHFAs Receiving HUD Housing Counseling Program Grants....................... 45 Percent of LHCAs Receiving Funding from Affiliated Organizations .......... 47 Share of Agencies Receiving Funding from Individual Intermediaries ......... 48 Percent of LHCAs Receiving Training or Certification from Affiliated Organizations.......................................................................................................52 National Certifications for Housing Counselors and Educators..................... 53 Percent of LHCAs Following Service Standards or Curricula from Affiliated Organizations.......................................................................................................54 Percent of Agencies Receiving Support from Various Types of Organizations........................................................................................................56 Share of Total Funding for Counseling by Source........................................... 61 Distribution of Counseling Agencies by Size of Counseling Budgets............. 62 Distribution of Agencies by Number of Funding Sources and Size of Budget...................................................................................................................62 Importance of Funding Sources by Size of Budget .......................................... 63 Share of Agencies Reporting Specific Sources of Funding.............................. 64 Prevalence of Primary and Secondary Funding Types by Agency Client Specialization........................................................................................................66 Prevalence of Primary and Secondary Funding Types by Agency Budget Size.........................................................................................................................67 Average Amount of Funding by Source of Funding ........................................ 68 iv List of Exhibits
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 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 60 and 61:
Age of Organization and Housing Cou
Page 62 and 63:
Agency Size Most housing counseling
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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
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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
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Exhibit 4-6. National Certification
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SHFAs provide some type of curricul
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allow counseling agencies to accept
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Chapter Five. Sources of Agency Fun
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Exhibit 5-1. Share of Total Funding
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Not surprisingly, the number of sou
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The next most common types of fundi
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Exhibit 5-7. Prevalence of Primary
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HUD’s strategy of spreading its a
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amount of available funding decline
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Our estimate includes all types of
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specialized training required for t
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Chapter Six. Characteristics of Edu
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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
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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
Page 122:
counseling, and 20 percent have no
Page 125 and 126:
“Funds for administrative respons
Page 127 and 128:
Characteristics of Counseling Clien
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With respect to ethnicity, 19 perce
Page 131 and 132:
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
Page 150 and 151:
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
Page 156 and 157:
Exhibit 8-8. Educational Attainment
Page 158 and 159:
Exhibit 8-10. Main Sources of Train
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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
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discourage smaller agencies from pa
Page 181 and 182:
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
Page 191 and 192:
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
Page 204 and 205:
Homebuyer education workshops Post
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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
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Organization American Association o
Page 218 and 219:
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 “
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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