Housing Counseling | Esperanza

Corp_houseHousing Counseling

At Esperanza, we know that stable housing is a key part of community transformation, and gives families the foundation upon which to build success in other areas of their lives.  A home is more than just a roof over someone’s head, to provide them with shelter; a home is critical to the physical, emotional, and psychological well-being of families, as the place where they build strong relationships, and the place from which they can thrive in their education and careers.

For nearly two decades, we have been helping people find “a place to call home” through our housing counseling services.

Our local model:

Through direct services to clients, we educate people on a one-on-one basis and in training workshops, focusing on topics such as:

  • Homeownership;
  • Financial literacy (including budgeting, credit counseling, and money management);
  • Foreclosure prevention;
  • Fair housing laws;
  • Pre- and post-purchase;
  • Rental;
  • Emergency temporary housing;
  • Down payment assistance;
  • Refinancing; and
  • Antifraud or anti-predatory lending counseling.

All of our services are tailored to each client’s unique circumstances.  In the counseling process, we provide professional education, information and guidance so that each client can make informed choices based on the options available to them.

Our counselors are also advocates on behalf of their clients with lenders/servicers, realtors and other professionals in the field, to help clients obtain the best mortgage products available and to preserve homeownership for existing homeowners when they are at risk of foreclosure.

Our work as a national housing counseling intermediary:

In 2008 we were certified by the federal Department of Housing and Urban Development (HUD) as a national housing counseling intermediary, and we are one of only 2 Hispanic organizations within the total 25 HUD-approved national intermediaries.

Our national and local HUD affiliates are an extension of Esperanza’s team. We are committed to building their capacity and supporting their achievement of our common mission.  Within our national HUD affiliate network, we train counselors to deliver the same breadth and scope of services with the same level of quality. We also help build the organizational infrastructure of each agency so we can ensure its long-term sustainability and effectiveness, including awarding sub-grant funds to help them grow.

Our Success:

Since the program’s inception, we have provided one-on-one counseling to over 4,000 families locally and 4,500 families around the country.  Also, we have hosted over 3,000 people in educational workshops.  We have helped hundreds of families purchase their first home or save their home from foreclosure.

Check out our latest data!