Your non-profit agency may be also be able to qualify as a HUD approved Housing Counseling agency. To find out how, please visit HUD's housing counseling homepage or read our housing counseling FAQs. Non-profit agencies can subscribe to the Single Family Housing email list. You will get frequent, training and event announcements, mortgagee letters, Grant programs, FHA mortgage limits and notices about your Single Family Non-profit business.

Yes, even if no HudHomes are purchased an annual report is still required. A simple letter format affirming that there was no activity will suffice. This is also known as a "negative report". See HUD mortgagee letter 2000-08 attachment 3. HUD does provide periodic training for non-profit agencies. Visit HUD's Events and Training calendar for any upcoming training opportunities.

See GAAP Flyer No. 3 or follow the flowchart referenced in GASB 14. Since circumstances vary, a response to this question could only be given on a case by case basis.

HUD has posted an index on the Internet that lists all the applicable mortgagee letters. In addition, Mortgagee Letter 2001-30 Appendix D, lists all the applicable mortgagee letters non-profits need to be familiar with.

Lydia’s House provides pre and post-housing counseling to first time homebuyers. Prospective homeowners participate in several training courses over 17 hours including Budgeting and Credit Management, Shopping for a Loan, Shopping for a Home, Ready for Closing and Caring for Your Home After Closing. Additional services include rental counseling to persons displaced from public housing, credit counseling, reverse mortgage and foreclosure prevention counseling.

Answer: HUD doesn't actually own rental housing. We do provide funding to support several rental assistance programs. Read all about them in our "Renter's Kit". Income limits for housing assistance programs are updated each year. The HOME program income limits are different from the limits for the other rental assistance programs.

No. If negative comments on your credit report are correct, they can remain in your file for up to seven years from the date of the last activity, except for bankruptcy, which can remain for up to 10 years. Avoid organizations offering "credit repair." Upon completion of the DCP, we suggest that you obtain a copy of your credit report to make sure it is accurate. If you believe there are errors in your credit report, notify the credit bureau in writing.

Answer: Read about housing choices for people with disabilities, including information on subsidized apartments and independent living centers. You also may want to contact one of the HUD-approved housing counseling agencies in your area.

Unless revoked by the HOC, each non-profit organization approved by the Department is subject to re-certification every two years. This re-certification should be requested by the organization within 30 days of the expiration of their previous approval. (See Mortgagee Letter 2000-08 and 2002-01)

When the popularity of the pastoral counseling movement increased in the 1960s, the counselors who worked at pastoral counseling agencies were ordained clergy who wanted to take the art of care and counseling one step out of the traditional medical model. Today pastoral counseling centers are multidisciplinary, inter faith groups with skilled counselors including psychologists, social workers, marriage and family therapists, as well as pastoral counselors.

The Counseling Agency is under contract with PHFA to prepare an application for a HEMAP loan. The Counseling Agency does not make the decision to approve or deny HEMAP loan applications. They do not make any recommendations to PHFA as to whether or not a homeowner should receive a loan. Their job is to help homeowners present the most complete and accurate application possible. Applicants must provide all necessary information with their loan application.

LETTER OF CIRCUMSTANCES – Please prepare and sign a detailed letter explaining the exact reasons for your current mortgage delinquency. Be as specific as possible since this letter is very important in determining your eligibility for loan assistance. EVIDENCE OR DOCUMENTED PROOF OF CIRCUMSTANCES such as lay off notice, paid bills, medical or legal counsel statements, copies of cash receipts and/ or cancelled checks for expenses that contributed to the mortgage delinquency.

After the homeowner meets with the designated counseling agency, the counseling agency notifies the lender of the meeting (Appendix B – Counseling Agency Notice to Lenders), and mails out all verifications (to include employment, deposit, and mortgage). The counseling agency then packages the information gathered from the homeowner/applicant along with the completed application and forwards the package to PHFA/HEMAP in Harrisburg.

Although we all know of the virtue of "giving without counting the cost" of our contributions, it is important that the good works be reported. When volunteer activities are unreported, our state and local government officials do not know the extent of the needs of older adults living in Montgomery County. Montgomery County is becoming the home of an increasing number of older persons whose needs must be addressed in the future.

At CCES, we believe the Bible is the holy, inspired Word of God, therefore, we base our counsel on the clear direction and the basic principles we find there. The Bible guides us in dealing with abuse, past hurts, anxiety, depression, grief, addictions, communications, marital and family issues, interpersonal relationships, finances, and so much more. We use a cognitive and behavioral format to renew thinking and transform the life.

People seek counseling for many different reasons: a crisis, a loss, a major life change, to sort things out to have a happier life, or to improve relationships. Counseling begins with an initial meeting with the therapist to gather information and history in order to develop a plan to meet each individual's/family's needs. Counseling may include individual, group, and/or family sessions.

Ideally, counseling is terminated when the problem that you pursued counseling for becomes more manageable or is resolved. However, some insurance companies and managed care plans may limit the number of sessions for which they pay. You should check with your health plan to find out more about any limitations in your coverage. During the first few counseling sessions your counselor should also discuss the length of treatment that may be needed to achieve your goals.

When someone with a HUD insured mortgage can't meet the payments, the lender forecloses on the home; HUD pays the lender what is owed; and HUD takes ownership of the home. HUD then sells the home at market value through a Marketing & Management Contractor such as PEMCO.

A landlord can set any qualification standards for the rental of their apartment that they choose. Examples include but are not limited to: how much income you make, whether they do a credit check and the quality of your credit record, contacting your previous and current landlord for references, and checking to see if you have a criminal background. These standards are perfectly legal—as long as they are applied to every applicant for rental.

Advertising: Fair housing laws state that it is unlawful to “…make, print, publish, or cause to be made, printed, or published any notice, statement or advertisement, with respect to the sale or rental of a dwelling that indicates any preference, limitation, or discrimination based on one of the protected classes.