We are glad that you have an interest in our housing counseling! We offer a variety of housing workshops and housing counseling!

Pioneer Credit Counseling has provided housing counseling to consumers since 2004. As of December 2008 we were approved by Housing and Urban Development (HUD) to provide you with even more housing-related counseling.

Types of counseling include:

Homebuyer Education

We conduct our Homebuyer Education in a group setting, in which we introduce those participating in the session to the different individuals and procedures in the home purchasing process. This includes the realtor, home mortgage consultant, appraiser, home insurance consultant, inspector and the different state offered programs for homebuyers. Our objective is to educate first time homebuyers on the many procedures of the home purchasing process.

Pre Purchase Counseling

After conducting an initial screening by a counselor, the Pre Purchase Counseling is conducted one-on-one and is specific towards an individual's needs. We counsel individuals on the importance of examining their financial picture before they start shopping for a home and the importance of being committed to the process. We also stress to them the importance of becoming pre-approved before shopping for a new home and the importance of the proper house selection for their “needs”. The more educated they are, the wiser their decisions will be when purchasing a home. One of most important things we stress is the home inspection and how it is vital to any home purchase.

The majority of the Pre Purchase Counseling sessions will be spent on a person’s finances and how they start planning their finances around buying a home if they are not financially prepared. We also review their credit report with them at no charge and point out the items they may need to work on to improve their chances of obtaining a reasonable home loan. We also help the consumer determine whether or not they qualify for any of the various state programs or purchasing assistance.

Money/Debt Management

Our Money/Debt Management program (when applicable) guides consumers on how to manage their money and their debts so that their credit report is in better shape before they try obtaining a home.

Mortgage Delinquency & Loss Mitigation Counseling

Our Mortgage Delinquency Counseling and Loss Mitigation Counseling consists of examining the cause for default, finding out how committed the consumer is to resolving the delinquency, developing a crisis budget, discussing with them the many options they have and with their assistance, and developing a plan of action to get them back on track. We contact the servicers and negotiate with them on behalf of the homeowner. We also counsel people on different programs that are available to avoid future delinquency or foreclosure.

Post Purchase Counseling

Our Post Purchase Counseling consists of many items concerning the maintenance of the home as well as the mortgage payment, once the house has been purchased. This can include painting, sheet-rocking, laying tiles, landscaping, emergency funding for loss of appliances or miscellaneous items such as that. This counseling also consists of maintaining a budget so that they can continue to make their mortgage payment without any problems. We provide this counseling primarily in a group setting with special speakers and can go into individual sessions if needed.