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

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Exhibit 5-1. Share of Total Funding for Counseling by Source HUD Counseling Funds 13.5% Other Federal Sources 12.4% State Government 11.8% Other Private Sector 10.3% Financial Institution 9.7% Local Government 8.3% CDBG Program 8.3% Foundation 6.9% Agency's Own Funds 6.5% HOME Program 3.3% Client Fees 3.1% Intermediary's Own Funds 2.4% Public Housing Authority 2.0% = Private Sector = Government Fannie Mae, Freddie Mac, or FHLB 1.4% 0% 2% 4% 6% 8% 10% 12% 14% 16% Source: Abt Associates survey of HUD-approved counseling agencies. Note: Based on survey responses of 1,016 agencies. Most agencies’ budgets for housing counseling and education are fairly modest (Exhibit 5-2). About half of all agencies have total annual budgets that are less than $100,000, including 27 percent that have budgets less than $50,000. Only 22 percent of agencies have budgets that are $250,000 or larger, including 7 percent that are larger than $500,000, and 2 percent that are larger than $1,000,000. However, agencies with annual counseling budgets of $250,000 or more account for nearly two-thirds of the aggregate counseling budget across all agencies. Chapter 5. Sources of Agency Funding and Costs of Providing Service 61
Exhibit 5-2. Distribution of Counseling Agencies by Size of Counseling Budgets 50,000-99,999 22%
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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
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Exhibit 1-1. Topic Study Topics and
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Grant Applications Data The final s
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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 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 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
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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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