Post-Occupancy
The Housing Counselor assists homeowners with lender/client relations
and renters with landlord relations, in addition to escrow funds,
recertifications for HUD subsidies, grievances, default and delinquency,
housing repair assistance and HECM's.
Mortgage Default and Rent Delinquency
ACRHA will assist clients with identifying the cause(s) of default or
delinquency, the consumer’s motivation, resources and ability to resolve
the default or delinquency, arranging reinstatement plans (including
working with the consumer’s creditors), subsidy recertifications, budgeting
when in default or delinquency, money management, referrals to other
resources and assistance in locating alternative housing.
Specifically, mortgage default counseling includes, but is not limited to,
determination of the amount and extent of default, identification of the
cause of default, determination of feasibility of the mortgagor setting up a
payment plan and becoming current with the mortgage in a reasonable
amount of time, working out payment plans with the mortgagor’s other
creditors. The Housing Counselor offers follow up counseling with the
mortgagor until the default is corrected or until the mortgagee completes
the foreclosure process and has found alternate housing, assists with
HUD required mortgage relief provisions provided by mortgagees, and
assists with mortgagee-held escrow funds. ACRHA will assist clients with
alternatives to foreclosure that may include the sale of the property or deed-
in-lieu and assist consumers with the mortgage rate reduction program,
and counsel senior households about the Home Equity Conversion
Mortgage Program. (see below)
The Rent Delinquency component of the Housing Counseling Program
assists tenants with rent relief, renter’s and landlord’s rights, deposits and
their use or recovery, and eviction procedures.
Home Improvement and Rehabilitation
ACRHA’s Housing Counselor will provide interested homeowners with
information about Section 203(K) Rehabilitation Home Mortgage
Insurance, HUD’s Title I home improvement loan program, and in house
rehabilitation programs, loan and grant application processes, housing
codes and enforcement procedures, bids and contracts, inspection of work
and payments to contractors, liabilities to subcontractors and non-
performance by contractors.
Displacement and Relocation
ACRHA’s Housing Counseling Program offers consumers assistance
who are displaced from their current residence or who are in need of
relocation due to activities by or on behalf of the federal government. The
Housing Counselor offers assistance with the rights of owners faced with
displacement, the rights and responsibilities of the entity causing the
displacement, relocation benefits and assistance with locating alternate
housing.
Housing Counseling Services
