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Q&A Articles

Do You Need Housing Counseling & Homebuyer Education?

Posted in: Homeownership, Q&A

Buying a home has long been considered a key part of the American dream. It is also the largest investment most people will ever make, so it’s important to make informed decisions throughout the process. That’s why we are pleased to offer Homebuyer Education courses that empower consumers with the information they need. Let’s take a look at what they’re all about.     set of house keys to represent homebuyer education

What types of housing counseling are available?

Take Charge America currently offers Pre-Purchase Housing Counseling, Post-Purchase Housing Counseling, and Rental Counseling.

Who should seek housing counseling?

Pre-Purchase Counseling is for consumers who care considering purchasing their first home. Post-Purchase counseling is for consumers who have recently purchased a home. Rental Counseling is for those who are renting a place to live for the first time or transitioning from home ownership back to renting.

What topics do the classes cover?

Pre-Purchase Housing Counseling

Pre-purchase counseling helps determine what type of housing suits the client’s needs, addresses budgeting for house-related expenses, and the logistics of the home buying process. Session includes:

  • Pros and cons of buying a home
  • Fair housing guidelines
  • Search considerations and housing options
  • Affordability, upfront costs and ongoing costs
  • Mortgage types and options
  • Application process and protecting your investment

Post-Purchase Housing Counseling

Post-purchase counseling helps homeowners develop an action plan to protect their investment and maintain their homeownership goals. Session includes:

  • Routine maintenance and repairs
  • System maintenance schedule
  • Home safety and emergency preparedness
  • Home improvement and financing options
  • Avoiding foreclosure and default options

Rental Counseling

For individuals getting their own place for the first time or moving to a new location, rental counseling will discuss different types of rentals, what best meets clients’ needs, budgeting and the application process. Sessions include:

  • Pros and cons of renting
  • Fair housing guidelines
  • Search considerations and rental unit options
  • Affordability, upfront costs and ongoing costs
  • Tenant and landlord responsibilities

Our HUD-approved housing counseling is available online or call 866-987-2008 talk with a counselor.

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