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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
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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 88 and 89: Exhibit 5-1. Share of Total Funding
- 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
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- 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
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- 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
- Page 139 and 140: 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