programs-housing-counseling

Housing counseling

Housing counselors guide and advise consumers who are buying or renting a home, are homeless, are seeking reverse mortgages, have credit issues or are at risk of default or foreclosure. Housing counselors educate first-time homebuyers, help homebuyers select the right mortgage product and help buyers avoid predatory lenders. RCAC housing counseling sub-grantees have helped more than 110,000 clients since 2004!

RCAC is a HUD-approved national intermediary, and as such, provides technical assistance, training, and financial support to many housing counseling agencies serving rural communities throughout RCAC’s service area. RCAC’s Housing Counseling program builds the capacity of established and emerging housing counseling agencies, including tribal-based organizations. In fiscal year 2014, this resulted in housing counseling services to almost 8,000 clients. For a nationwide list of HUD-approved housing counseling agencies, visit HUD’s website. To submit your interest to be a HUD-approved counseling agency through RCAC, please complete a letter of interest – go here.

RCAC’s assistance to housing counseling agencies includes:

  • Housing counseling program planning and development
  • Internal systems and effective tracking of housing counseling clients
  • Marketing strategies for housing counseling programs
  • HUD housing counseling rules, regulations, and procedures
  • Fiscal management
  • Accessing other housing counseling financial resources
  • Pre & post-purchase housing counseling curriculum design
  • How to set up a foreclosure prevention program
  • Anti-predatory lending
  • Individual Development Accounts (IDA’s)
  • Fair housing

Please note that RCAC does not provide counseling services directly.

In 2016, RCAC became a HUD training partner. Classes will begin in October and are available to those employed by a HUD-approved counseling agency. Visit our Housing counseling training  page for registration, fees and scholarship information.

Helpful links

MoneyGeek.com—The Help Homebuyers Shouldn’t Ignore

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If you would like to contact an RCAC housing counseling staff member, refer to our staff directory on the contact page or email: hcounseling_support@rcac.org.