HUD-Approved Housing Counseling

CCCS® is approved by the US Department of Housing and Urban Development (HUD) to offer you comprehensive housing counseling and education. Our certified housing counselors can:

  • Help you understand the home–buying process and help you decide on a mortgage amount that is affordable for you, without sacrificing your lifestyle. Fees may apply if you need a certificate for first-time homebuyer programs.
  • Help you if you are having difficulty and have fallen behind on your mortgage, or your rent. We can help you work with your lender or landlord to save your home from foreclosure or eviction from your apartment and understand your options.
  • Help you if you are a senior citizen and want to stay in your home, but are finding it harder to afford repairs or taxes. We can help you understand reverse mortgages and how they can help.

HUD-approved housing counseling can be done two different ways:

In order to help you more efficiently, you must have the following items with you during your consultation:

  • List of monthly bills with monthly amounts (rent/mortgage, utilities, food, etc.)
  • Household Income verification, such as pay stubs, tax forms, etc.
  • Most recent creditor statements dated with in the last 30-90 days showing account numbers and balances. (If you completed these forms on our website, you still need to have these statements; we do not have copies of that information.)
  • Household Income verification, such as pay stubs, tax forms, etc.
  • Valid Photo ID (telephone appointments can mail or fax us a copy prior to your scheduled appointment)
  • Any recent letters from your creditors dated with in the last 30-90 days.
  • If your mortgage payment is past due, you will need to have copies of mortgage loan documents, latest loan statement, and any lender correspondence.
  • For reverse mortgage counseling only. Annual amounts for Property & School taxes, Homeowners Insurance information, Good Faith Estimate from your Reverse Equity Mortgage Lender that includes a breakdown of expenses.

Next Steps: