Refer to these resources...

A word from the developer of Clients2Homeowners.com

Though the model for this effort to connect housing counselors with loan originators to assist challenged clients attempts to focus on credit first, with additional focus on downpayment assistance and budgeting, this is only a model to start. The biggest issue encountered during this 3 year process is realizing that no two housing counseling agencies work exactly the same. 

 

I spoke with Ellie Pepper, my colleague on the HUD Housing Counseling Federal Advisory Committee (HCFAC) who is with the National Housing Resource Center about this and her response is below:

 

“All HUD approved housing counseling agencies stand ready to help potential homebuyers.  Each agency will conduct business based upon the needs identified in their service area. It’s really all about building relationships with HCA’s in order to develop an effective work flow and referral process.”

Thank you, Ellie.

 

Loan originators, no two housing counseling agencies (HCA's) are alike. These HCA's are who we started with and they want to work with loan originators to assist us with our clients. I am already building a relationship with them as they work with my clients. There are other agencies in your area, and we welcome additions to this list.

Sincerely,

Pamela Marron, Loan Originator, NMLS#246438 | Innovative Mortgage Services, Inc. NMLS# 250769

Credit: Short Term Help (max.1 yr)

Credit counseling includes:

  • Correct credit issues

  • build credit

  • improve credit scores

 

Work with a certified credit counselor to get credit issues resolved​ within 1 yr timeframe.

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Florida only

Neighborhood Home Solutions

Beverly Malina

Credit Counselor 

P 727-209-0131        Email:  beverly.malina@nhsfl.org

Website: www.nhsfl.org

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In/Out of Florida

Navicore Solutions

Rich Verrillo

Sr. Housing Partnerships Manager

T 732.410.2676

Email:  rverrillo@navicoresolutions.org

Website: www.navicoresolutions.org

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In/Out of Florida

National Foundation for Credit Counseling

T 800-388-2227

Agency Locator: https://www.nfcc.org/agency-locator/

Website: https://www.nfcc.org/

Credit: Long Term Help (1-5 yrs)

​Credit counseling includes:

  • Correct credit issues

  • Build credit

  • improve credit scores

  • Debt management plans

  • Debt consolidation

  • Student loan counseling/debt management

  • Bankruptcy counseling

 

​Work with a certified credit counselor to get longer term credit issues resolved​ within 1-5  yrs.

Navicore images.jpg

In/Out of Florida

Navicore Solutions

Rich Verrillo

Sr. Housing Partnerships Manager

T 732.410.2676

Email:  rverrillo@navicoresolutions.org

Website: www.navicoresolutions.org

NFCC.org.jpg

In/Out of Florida

National Foundation for Credit Counseling

T 800-388-2227

Agency Locator: https://www.nfcc.org/agency-locator/

Website: https://www.nfcc.org/

Downpayment Assistance (DPA) Help

Loan originators, realtors, housing counselors and clients can utilize the downpayment grids on this site to locate Florida downpayment agencies, ph#'s and links for:

Navicore images.jpg
NFCC.org.jpg

In/Out of Florida

Navicore Solutions

Rich Verrillo

Sr. Housing Partnerships Manager

T 732.410.2676

Email:  rverrillo@navicoresolutions.org

Website: www.navicoresolutions.org

In/Out of Florida

National Foundation for Credit Counseling

T 800-388-2227

Agency Locator: https://www.nfcc.org/agency-locator/

Website: https://www.nfcc.org/

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In/Out of Florida

www.DownpaymentResource.com provides DPA agencies across the U.S.! 

       https://downpaymentresource.com/dpc/

  • Housing Finance Agencies (HFA's): 

       https://downpaymentresource.com/hfa/

Home Budgeting Help

Some clients need help understanding the costs of owning a home. Budgeting taught in yrs past is not always included in education curriculum of younger potential homebuyers. How to get "mortgage ready" is common education provided by housing counselors for:

  • saving for downpayment

  • cost of repairs, upkeep

 

Work with a HUD housing counselor to prepare for home ownership!

NHS logo smlr.png

Florida only

Neighborhood Home Solutions

Beverly Malina

Credit Counselor 

P 727-209-0131        Email:  beverly.malina@nhsfl.org

Website: www.nhsfl.org

Navicore images.jpg

In/Out of Florida

Navicore Solutions

Rich Verrillo

Sr. Housing Partnerships Manager

T 732.410.2676

Email:  rverrillo@navicoresolutions.org

Website: www.navicoresolutions.org

NFCC.org.jpg

In/Out of Florida

National Foundation for Credit Counseling

T 800-388-2227

Agency Locator: https://www.nfcc.org/agency-locator/

Website: https://www.nfcc.org/

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2020 Clients2Homeowners.com created Feb. 2020 

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