What We Offer
This includes the following types of one-on-one counseling: pre-purchase; pre-rental; search assistance/mobility; fair housing; budgeting for mortgage or rent payments; money management; and housing care and maintenance. This also may include guidance on: alternative sources of mortgage credit; how to apply for housing assistance; how to identify and avoid predatory lending practices; locating housing which provides universal design and visitability; referrals to community or homeless services, and regulatory agencies; and advocating with lenders for non-traditional lending standards.
These programs are housing related education programs in which educational materials are used in training sessions for multiple participants, including HUD's Home-buyer Education and Learning Program (HELP). For a typical home-buyer education program, participants complete eight to twelve course hours. Agencies that provide this service must also offer individual counseling to complement group sessions.
This includes counseling on how to: restructure debt, obtain re-certification for mortgage subsidy, establish reinstatement plans, seek loan forbearance, and manage household finances. This counseling can also include helping clients affected by predatory lending, foreclosure prevention strategies, explaining the foreclosure process, providing rentals to other sources, and assisting clients with locating alternative housing or pursuing loss mitigation strategies.
This includes information and advice on finding favorable mortgage loan terms, personal money management, and relations with lenders. This counseling also includes counseling the client about: home improvement and rehabilitation; property maintenance; loan and grant options; loan or grant application processes; what housing codes and housing enforcement procedures apply for the intended activity; accessibility for disabilities; non-discriminatory lending and funding for persons who modify their dwellings to accommodate disabilities; visitability and universal design; how to specify and bid construction work; how to enter into construction contracts; and how to manage construction contracts, including actions to address the non-performance of contractors.
These are post-purchase-oriented group sessions in which educational materials are used in training sessions for multiple participants. Topics can include: resolving or preventing mortgage delinquency and default; converting home equity into cash; seeking favorable mortgage loan terms; budgeting and financial management; real estate taxes and insurance; and home maintenance. Agencies that provide this service must also offer individual counseling to complement group sessions.
This refers to one-on-one counseling and group education sessions regarding renter-related topics, including: helping clients obtain and utilize rent subsidies; pre-rental search assistance/mobility counseling; budgeting for rent payments; educating clients on landlords' and renters' rights; explaining the eviction process; ensuring clients understand their rights when faced with displacement; explaining the responsibility of the entity causing displacement; and providing assistance with locating alternate housing.
United Financial Counselors #1 goal is investing in our community. We strive to help South Florida residents by contributing our knowledge & resources to public charities and faith based organizations!
During these seminars and workshops a counselor will speak on behalf of the organizations programs and government implemented programs that are available to assist the citizens of South Florida. If you or your organization would be interested in implanting such a seminar that focuses on financial literacy, pre & post purchase housing counseling programs please submit your contact information below.
All inquiries will be followed up the next business day.
*Please note that there are no fees or cost involved with all workshops and seminars to participants.