Housing Counseling Services
Pre-purchase Counseling
These services specifically cover assistance with reviewing:
To get started with any of our housing counseling services, please complete our contact request form or call us at 518-765-2425.
For More Information on Homebuyer Education Classes or Down Payment Assistance Programs offered by ACRHA, please click on the related link.
Money Management/Financial Management
ACRHA offers this option to all consumers.
Start with knowing where you are in terms of assets (things you own) and liabilities (amounts you owe) we will help you develop a plan to manage your money. After reviewing the household’s finances, the Home Ownership Advisor and consumer will develop a plan specific to the needs of the household. We can help you in setting goals for yourself on how you manage your money.
Your goals dictate how you manage your money. It is easy to overlook goals in favor of just trying to figure out which bills get paid today. Working with a Home Ownership Advisor you will set goals and identify which expenses are necessary and which ones to cut out.
Managing your money effectively means creating a budget. While we will not tell you how to spend your money, we can help analyze your spending habits and identify trends. We can make suggestions for changes but ultimately the choices are yours. The result will be a budget that you created and that is doable.
We will review and talk about your credit report, identifying ways to improve your score or maintain your score. From here you can move on to pre-purchase counseling, refinancing a mortgage or getting a reverse mortgage. Perhaps you can even just sit back and enjoy having goals and savings. No matter what you decide to do we are here to help you along the way.
Debt Management or Liquidation
ACRHA’s Home Ownership Advisor will assist the consumer with planning an
appropriate budget. ACRHA does not enter into contract with the consumer to handle the
consumer’s money or to make payments to creditors on behalf of the consumer.
Credit Review
ACRHA can obtain a tri-merge credit report. There is a small fee for the report. Please click here for current fees. The Home Ownership Advisor will review and analyze each report on an individual basis.
ACRHA is a HUD approved housing counseling agency.
These services specifically cover assistance with reviewing:
- housing goals, finances, income, and debts,
- credit history and the use and cost of credit,
- mortgage readiness, a review of interest rates for households seeking to
purchase housing, the effect of property taxes and mortgage interest in income taxes and cash flow, - the application process for HUD and conventional mortgages, down payment, and alternatives for financing the purchase,
- shopping for a home and purchase procedures,
- homeowner’s insurance, and real estate terms ,
- and the rights and responsibility of persons who own single-family housing.
To get started with any of our housing counseling services, please complete our contact request form or call us at 518-765-2425.
For More Information on Homebuyer Education Classes or Down Payment Assistance Programs offered by ACRHA, please click on the related link.
Money Management/Financial Management
ACRHA offers this option to all consumers.
Start with knowing where you are in terms of assets (things you own) and liabilities (amounts you owe) we will help you develop a plan to manage your money. After reviewing the household’s finances, the Home Ownership Advisor and consumer will develop a plan specific to the needs of the household. We can help you in setting goals for yourself on how you manage your money.
Your goals dictate how you manage your money. It is easy to overlook goals in favor of just trying to figure out which bills get paid today. Working with a Home Ownership Advisor you will set goals and identify which expenses are necessary and which ones to cut out.
Managing your money effectively means creating a budget. While we will not tell you how to spend your money, we can help analyze your spending habits and identify trends. We can make suggestions for changes but ultimately the choices are yours. The result will be a budget that you created and that is doable.
We will review and talk about your credit report, identifying ways to improve your score or maintain your score. From here you can move on to pre-purchase counseling, refinancing a mortgage or getting a reverse mortgage. Perhaps you can even just sit back and enjoy having goals and savings. No matter what you decide to do we are here to help you along the way.
Debt Management or Liquidation
ACRHA’s Home Ownership Advisor will assist the consumer with planning an
appropriate budget. ACRHA does not enter into contract with the consumer to handle the
consumer’s money or to make payments to creditors on behalf of the consumer.
Credit Review
ACRHA can obtain a tri-merge credit report. There is a small fee for the report. Please click here for current fees. The Home Ownership Advisor will review and analyze each report on an individual basis.
ACRHA is a HUD approved housing counseling agency.
