17 - Indiana Association for Community Economic Development

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3. Credit and Credit Repair (minimum 1 hour)Goal: Client understands their credit reports and how credit works; has arepayment plan for existing debt and a development plan for building new credit.May include:• Definition of credit and credit scoring• Information on procuring credit reports• Review of client’s actual credit report• Communicating with creditors and credit agencies• Developing traditional and alternative credit lines4. Case Management & Life Skills (minimum 2 hours)Goal: Client meets regularly with homeownership counselor to assessprogress and has access to other services (employment training, education,social services) that will increase stability, improve quality of life, and helpthem make informed life choices.May include:• Referrals to other social service providers75. Post-Purchase: Default Intervention (minimum 2 hours)Goal: Homeowners who are in danger of foreclosure will retain their homes.May include:• Where and when to seek help if difficulties arise• Budgeting for home maintenance and repair• Creating an emergency fundIndiana’s Homeownership Education & Counseling System (HomeEc) Report — XVI
Appendix 8.Summary of Participant Responses from Spring 2002 Network MeetingsSummary of Spring 2002 Network MeetingsThe discussion at the Spring 2002 meetings centered around two main areas: first,developing standards and ensuring uniform quality of homeownership education andcounseling programs throughout Indiana, and second, developing a framework toensure accessibility of services throughout the state.QUALITY8In this section, participants were asked to comment on three draft documents: aflowchart delineating the process of homeownership education and counseling services;a listing of key elements of education programs; and a listing of key elements ofcounseling programs.Comments on Service Flowchart:1. Arrows should go both ways between education and counseling (3)2. Counseling may take place in small groups as well as one-on-one (2)3. Add post-purchase as a separate component on flowchart and include it earlier inthe program (should post-purchase counseling be a requirement for everyone?)(2)4. Counseling and education may overlap (2)5. Consider phrasing as “long-term” and “short-term”, rather than “counseling” and“education” (2)6. Add an “intake” step for data collection between the Inquiry and Assessmentlevels7. Accurate description8. Counseling is an ongoing process9. Allow for the option that the client may choose not to become a homeowner10. Would like to see a more specific definition of what assessment is and how it’sdone11. Provide education as early as possible12. Counseling should be required to strengthen the education component.Comments on Components of Homeownership Education Programs:1. Time frames may be too demanding (balance time frames with quality ofservice); minimum hours are too high--it is difficult to get clients to attend multiplesessions (5)2. Expand “Selecting a Home” to include more on realtors, offers, purchaseagreements, and strategies on money management and budgeting (4)Indiana’s Homeownership Education & Counseling System (HomeEc) Report — XVII
Page 1 and 2: Appendix 1.Summary of Other States
Page 3 and 4: Appendix 2.Other States’ Funding
Page 5 and 6: Appendix 3.List of Review Panel Mem
Page 7 and 8: What do you see as the biggest barr
Page 9 and 10: Appendix 5.Spring 2002 Network Meet
Page 11 and 12: Basic Programmatic Needs• Homeown
Page 13 and 14: 5. Understanding the Closing Proces
Page 15: Programmatic Needs• Adequate fund
Page 19 and 20: 29. Include “how-to” section wi
Page 21 and 22: 14. Show what the economic benefit
Page 23 and 24: Appendix 9.Fall 2002 Network Meetin
Page 25 and 26: Homeownership Educator Skill SetReq
Page 27 and 28: 3. Financing a Home (2.5 - 4 hours)
Page 29 and 30: Appendix 11.Fall 2002 Regional Meet
Page 31 and 32: Basic Elements of a Homeownership C
Page 33 and 34: Appendix 12.Summary of Participant
Page 35 and 36: o Empowerment• Ensure that client
Page 37 and 38: • Don’t make regions too big•
Page 39 and 40: Appendix 13.Summer 2003 Network Mee
Page 41 and 42: monitor regional activity. Each com
Page 43 and 44: procedures, and services with the s
Page 45 and 46: • Groups should have flexibility
Page 47 and 48: o Incentivizing networks of provide
Page 49 and 50: Appendix 15.Recommendations: Homeow
Page 51 and 52: Basic Elements of a Homeownership E
Page 53 and 54: 4. Preparing for the Closing Proces
Page 55 and 56: o Physical accessibility of facilit
Page 57 and 58: 3. Credit and Credit RepairGoal: Cl
Page 59 and 60: Getting Started & Financial Assessm
Page 61 and 62: Selecting a Home (cont.)Goal 2: Cli
Page 63 and 64: Financing a Home (cont.)Goal 2: Cli
Page 65 and 66: 4. Preparing for the Closing Proces
Page 67 and 68:
Life As a Homeowner (1 - 2 hours)Go
Page 69 and 70:
6. Accessibility of MaterialsTopics
Page 71 and 72:
Appendix 18.Recommended Homeownersh
Page 73 and 74:
Appendix 20.Resource Library Catalo
Page 75 and 76:
35 Layman's Guide To Major Federal
Page 77 and 78:
Appendix 21.Sample Release Form for
Page 79 and 80:
Appendix 22.OrganizationArea V Agen
Page 81 and 82:
Appendix 22.OrganizationSummary of
Page 83 and 84:
Appendix 22.OrganizationOhio Valley
Page 85 and 86:
Appendix 24.Roles and Responsibilit
Page 87 and 88:
COUNTYFORE-CLOSUREFILINGRATEGSEMARK
Page 89 and 90:
Page 91 and 92:
Page 93 and 94:
Appendix 27.Graphical Representatio
Page 95 and 96:
CountyAppendix 28.Hispanic Populati
Page 97:
CountyAppendix 28.Hispanic Populati
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17 - Indiana Association for Community Economic Development

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