Endorsements and Certifications
Endorsements
Our counselors are approved by the U.S. Department of Housing and Urban Development (HUD).
HUD-approved housing counseling agencies help families understand the home purchasing process, how to get budgeting and credit problems fixed, and how to avoid predatory lending practices.
Agencies applying for HUD approval must meet the following criteria:
- Must have 501(c)(3) tax exempt status from the IRS. In other words, it must be a not-for-profit organization.
- Must have a clear, concise and comprehensive housing counseling and education program.
- Must have demonstrated that it has the resources to run a successful housing counseling program.
- Must have been in existence for at least one year prior to application.
- Must actively serve the needs of their local community.
Certifications
Each Homeowner's HOPE counselor has received extensive specialized
training and has a strong understanding of the mortgage industry. They are awarded credit counseling certification from either AFCPE or NFCC. For more information about these organizations, visit their web sites at: www.afcpe.org and www.nfcc.org.
