Housing Counseling
ClearPoint Credit Counseling Solutions is a Department of Housing and Urban Development (HUD) intermediary agency (approved to deliver housing counseling nationwide). Our CCCS counselors provide our clients with one-on-one housing education at our branch locations. If these locations aren’t convenient to you, we also offer counseling over the phone.
Home Pre-Purchase Counseling
Before you decide to purchase a new home, we’ll walk you through your budget and credit report to help you determine what purchase price you can safely afford. We’ll also talk with you about financing and down payment options and answer your questions about the home-buying process. Find out more about our home pre-purchase counseling.
Mortgage Default Counseling
If you’re concerned about your current financial situation and whether it will affect your ability to stay current with your mortgage payments, we can help you determine your eligibility for a loan modification. We can also present alternatives to foreclosure, or if foreclosure is unavoidable, how best to proceed through the process. Our no-cost mortgage default counseling is completely confidential.
Reverse Mortgage Counseling
We offer reverse mortgage counseling required to obtain a Home Equity Conversion Mortgage (HECM), the only reverse mortgage insured by the U.S. federal government. Our housing counselors review eligibility requirements, costs advantages and disadvantages and alternatives to reverse mortgages.
Reverse mortgages are available to senior homeowners at least 62 years of age, allowing them to draw from their home’s built-up equity, providing them extra financial assistance when retirement savings and Social Security don’t comfortably cover living expenses.
Other housing counseling services offered by our CCCS
Grants from HUD, currently allow us to offer these services are offered free of charge. (Prices are subject to change.)
Call 888.656.2227 (CCCS) to set up your housing counseling session.
