Training Classes, Education, 1st Time Home Buyer Education

Housing Counseling

FSC provides Housing Counseling covering the following areas:

a. Pre-purchase Counseling for Prospective Homeowners

Individual counseling sessions for prospective low to moderate income homebuyers with emphasis on low income first time home buyers. Services including assessing each client's needs and financial situation, presenting information on all available homeownership assistance programs, establishing an individualized homebuyer plan, developing corrective action plans and timelines for success, and encouraging and facilitating progress as clients overcome obstacles and move toward mortgage-readiness.

b. Matching Clients with Non-predatory Loan Products & Homebuyer Assistance Programs

Analysis of financials, risk elements, and general concepts affecting conventional and government mortgage loan decisions. Effective procedures and techniques that translate into appropriate loans and satisfied housing counseling clients.

c. Homebuyer Education Programs

Comprehensive homebuyer education program to turn prospective homebuyers to satisfied homeowners including how to shop for a home, get a mortgage loan, improve budget and credit profiles, and maintain the home and finances after purchase.

d. Housing Choice Voucher Homeownership

Information, outreach and referral for local Housing Choice Voucher Homeownership Program.

e. Help Homeowners Avoid Delinquency, Predatory Lending & Foreclosure

Training on how to avoid predatory lenders and common lending pitfalls, like helping unwary borrowers avoid inflated appraisals, unreasonably high interest rates, unaffordable repayment terms, and other conditions that can result in a loss of equity, increased debt, default, and foreclosure.

For additional information go to:

http://www.fsc-hsv.org/fsc-housing-IDA.html