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

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Exhibit 4-6. National Certifications for Housing Counselors and Educators Certifying Organization NeighborWorks® Center for Homeownership Education and Counseling (NCHEC) Association for Financial Counseling and Planning Education (AFCPE) National Foundation for Credit Counseling (NFCC) National Association of Housing Counselors and Agencies (NAHCA) National Federation of Housing Counselors Certification(s) • Certificate in Homeownership Education • Certificate in Homeownership Counseling • Certificate in Post-purchase Homeownership Education • Certificate in Foreclosure Intervention Counseling • Accredited Financial Counselor • Certified Housing Counselor • Accredited Credit Counselor • Certified Consumer Credit Counselor • Certified Professional Comprehensive Housing Counselor • Certified Professional Housing Counselor Specializing in Tenancy • Certified Professional Housing Counselor Specializing in Home Ownership • Certified Housing Counselor Administrator • Certified Housing Counselor HUD/AARP Foundation • HECM Counselor Exam Source: Compiled by Abt Associates research team. Almost all HUD-funded intermediaries and SHFAs interviewed report that they offer some type of training to their housing counseling affiliates. Many organizations offer the training in-house, but it is also common to pay for affiliated counselors to attend training provided by NeighborWorks® America. Training opportunities through intermediaries and SHFAs are usually annual and provided to affiliates free or charge, although some intermediaries and SHFAs only offer training for new affiliates or new counselors. In addition to training, most of the intermediaries and SHFAs interviewed report that they provide technical assistance to affiliates as needed. Most often, this assistance relates to data tracking and reporting or compliance with the terms of the grant, but some organizations also provide technical assistance on goal-setting, performance measurement, and in response to unusual circumstances, such as Hurricane Katrina. Technical assistance related to data tracking and reporting often focuses on the implementation of client management systems, a recent requirement for HUD housing counseling grantees discussed in Chapter 7. Service Standards and Curriculum About three-quarters of the agencies surveyed report that they follow the service standards or curriculum of an affiliated organization. As shown in Exhibit 4-7, 39 percent of agencies follow NeighborWorks® service standards and curriculum, 41 percent follow the service standards and curriculum of other housing counseling intermediaries, 37 percent follow standards and curriculum Chapter 4. Intermediaries and State Housing Finance Agencies 53
provided by Fannie Mae, Freddie Mac, or the Federal Home Loan Bank, and 25 percent follow standards and curriculum from SHFAs. Exhibit 4-7. Percent of LHCAs Following Service Standards or Curricula from Affiliated Organizations 60% 50% Percent of Agencies 40% 30% 20% 41% 39% 37% 26% 20% 10% 5% 0% HUD Counseling NeighborWorks Fannie Mae, State Housing Statewide or Enterprise or Intermediaries Freddie Mac, or Finance Agency Regional LISC Federal Home Housing Loan Bank Counseling Collaborative Source: Abt Associates survey of HUD-approved counseling agencies. Note: Based on survey responses of 1,104 agencies. Over the past several years, the NeighborWorks® Center for Homeownership Education and Counseling (NCHEC) has led a process to develop a set of service standards and a code of ethics for homeownership-related counseling and education. NCHEC convened a national Advisory Panel of representatives from housing counseling organizations, national housing counseling intermediaries, mortgage industry representatives, and HUD to develop the standards, which were published in the summer of 2007. 23 As of May 2008, approximately 200 organizations have endorsed the NCHEC standards, and 80 have adopted the standards for their organizations. Of the 41 percent of the agencies surveyed that follow the service standards and curriculum of a housing counseling intermediary other than NeighborWorks® America, the largest share (20 percent) follows standards set by AARP, which has developed a curriculum for HECM counseling, and NFCC (10 percent). In our interviews, we found that five HUD-funded intermediaries and six HUD-funded 23 There are four separate standards documents: National Industry Standards for Homeownership Education; National Industry Standards for Homeownership Counseling; National Industry Foreclosure Counseling Standards; and National Industry Code of Ethics and Conduct for Homeownership Professionals. The standards can be found at www.homeownershipstandards.com. 54 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
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standards are sufficient. Support f
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Ideally, intermediaries, SHFAs, and
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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 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 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
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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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