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

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The next most common types of funding were financial institutions (41 percent of agencies reporting), other private (35 percent), and state (32 percent). While for the most part the ranking of the prevalence of these funding sources is similar to the ranking in Exhibit 5-1 by the share of funding from each source, there are a few exceptions. The most notable difference is that while “other federal sources” accounts for the second largest volume of funds, it is much less commonly a source of funds. As will be shown below, this reflects the fact that the average amount of funding from other federal sources is much larger than from the other sources listed. Exhibit 5-6 shows how the primary and secondary sources of funding—here collapsed into six broad categories—vary with an agency’s specialization in terms of the types of clients served. Agencies that primarily assist non-homeowners (renters or homeless clients) are much less likely to rely on HUD housing counseling funding, private sources (particularly financial institutions), or the agencies’ own funding sources, and much more likely to rely on other federal and local government funding sources. This pattern likely reflects the fact that historically, HUD’s primary emphasis in the Housing Counseling program has been on services for current and prospective homeowners. However, agencies specializing in pre-purchase clients or pre- and post-purchase clients are more likely than other agencies to rely on All Private Sources of funds. This pattern likely reflects the fact that greater opportunities exist for agencies specializing in assisting prospective homeowners to enter into partnerships with lenders, realtors, and insurers. The importance of different funding sources also varies with the size of an agency’s budget (Exhibit 5-7). In general, agencies with small budgets rely to a greater degree on HUD funding, with 49 percent of agencies indicating that HUD is a primary or secondary funding source, while among agencies with budgets above $250,000, only 25 percent of agencies indicate that HUD is a primary or secondary funding source. In contrast, agencies in this largest budget category rely to a greater degree on other federal sources (47 percent versus 25 percent for the smallest agencies), All Private types of funding (59 percent versus 32 percent for the smallest agencies), and All Local Government (23 percent versus 11 percent for the smallest agencies). Chapter 5. Sources of Agency Funding and Costs of Providing Service 65
66 Exhibit 5-6. Prevalence of Primary and Secondary Funding Types by Agency Client Specialization (Share of Agencies Reporting Each Source of Funding as Primary or Secondary Source) Chapter 5. Sources of Agency Funding and Costs of Providing Service Primary or Secondary Type of Funding Pre- Purchase Post- Purchase Client Specialization Pre- and Post- Purchase No specialization Rental or homeless HUD Counseling Program 43% 36% 49% 45% 34% 44% CDBG, HOME and Other Federal 33% 31% 31% 40% 60% 36% State Government Local Government All Agencies 15% 16% 17% 24% 21% 18% 14% 10% 13% 21% 28% 16% Private Sources 55% 43% 54% 40% 25% 48% Agency's Own Sources Source: Abt Associates survey of HUD-approved counseling agencies. 26% 24% 25% 14% 6% 21% Notes: "Other Federal" includes HUD funding for homeless assistance, Department of Justice funding for legal assistance, and Department of Health and Human Services funding for social services. "Local Government" includes Local Government and Public Housing Authority. "Private Sources" includes Other Private, Financial Institutions, and Foundations. “Agency's Own Sources" include Agency's Own Funds, Client Fees, and Intermediary's Own Funds. Agencies are categorized as specializing in one of four types of counseling (pre-purchase, post-purchase, pre- and post-purchase, rental or homeless) when at least 80 percent of their clients receive that type of counseling. Agencies that do not have at least 80 percent of their clients receiving one of the four types of counseling are categorized as “no specialization.” Based on survey responses of 1,016 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
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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
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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 90 and 91: Not surprisingly, the number of sou
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
Page 139 and 140: Exhibit 7-12. Outcomes for Clients
Page 141 and 142: 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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