Housing Counseling

HUD Counseling at AHF

A housing counselor though a HUD-approved agency is specially trained and certified by the government to help you assess your financial situation, evaluate options if you are having trouble paying your mortgage loan, and make a plan to get you help with your mortgage.

HUD stands for the Department of Housing and Urban Development. It’s a government agency that helps people get and maintain quality affordable housing. They train and sponsor housing counselors all over the country. Because of this, you can have confidence that a trained housing counselor is well equipped to help you understand and evaluate your options.

A housing counselor can also help you learn about the homebuying process.

If you’re having trouble paying your mortgage

HUD-approved housing counseling agencies provide foreclosure prevention counseling free of charge. They can also help you talk to your mortgage servicer and understand any options your servicer has offered.

If you’re calling because you’re having trouble paying your mortgage, the housing counselor will ask you for information about your mortgage loan, such as the amount you owe and the date of your last payment. This information is generally on your last mortgage loan statement. The housing counselor may also ask for information about your pay stubs, tax returns, recent bank statements, and other bills you pay each month, such as car loans and credit cards. The counselor is asking for this information to understand your financial situation and how much you can afford for a monthly mortgage payment.

A housing counselor at a HUD-approved agency can’t promise that you will get to keep your home. They will help you look at your options and make a decision that’s right for you.

What types of counseling services does AHF provide?

AHF’s professionally trained housing counselors conduct free group and individual counseling on topics such as:

Mortgage default/delinquency;
Foreclosure prevention and intervention;
Financial Coaching
Pre & Post Purchase;
1st Time Home Buyers;
Home Maintenance;
Financial Assistance Programs;
HECM – Reverse Mortgages – Age 62+
Senior Housing;
Student Loans
Veteran and Military Housing
Services offered in: English – Spanish – Creole

Transitional & Rental Counseling:

Rental housing makes up a critical segment of the nation’s housing and provides homes for families and individuals unable to afford the cost of ownership or whose life circumstances simply make renting a better option.

As America rediscovers the option to rent versus own, having proactive knowledge such as understanding the terms of a lease agreement, how to calculate rent affordability and use of budgeting tools make the overall experience of renting a positive one.

Benefits of AHF counseling

A positive impact on a resident’s lifestyle will be gained as residents learn to successfully build or rebuild their credit histories and take the important step toward overall financial health.

We provide education and tools to: