NID Housing counselors and professionals offer information and guidance regarding readiness and preparation for homeownership. This may include, among other services, the search for fair housing, help in selecting a real estate agent, down payment assistance, and home inspection.
If you find that you are having trouble making mortgage payments, we can help guide you through the process of loss mitigation, obtaining re-certification for a mortgage subsidy, and establishing reinstatement plans. Our education and counseling can explain the foreclosure process, discuss prevention strategies, and work with your servicer for the best outcome for your needs.
For our advanced age clients, the Home Equity Conversion Mortgage (HECM), or reverse mortgage, may be an appropriate option for drawing loan proceeds from accumulated home equity. We can help look at your specific situation to determine if such a loan product is right for you.
Find help on rental and financial literacy topics including, but not limited to: HUD rental and rent subsidy programs, other federal, state, or local rental assistance, fair housing, housing search assistance, landlord tenant laws, locating alternate housing, budgeting, credit report analyses, and debt management.
We can help you work through home maintenance and financial management including, but not limited to: escrow funds, budgeting, refinancing, home improvement, and the rights and responsibilities of homeowners. If you have a question with a home that you own, come see us.