Housing
Horizons Consumer Credit Counseling Service is approved by the U.S. Department of Housing and Urban Development (HUD) to provide comprehensive housing counseling and education services as described below. There is no cost for our housing counseling services.
Homebuyer Education Classes: Headed for Home
Whether you are a rookie or a seasoned veteran at homeownership, we’ll cover all the bases in this homebuyer education class. You will learn the:
- The ins and outs of homeownership
- How to determine how much house you can afford
- How to find the right home for you
- How to finance your home.
- How to avoid mistakes some homeowners make that jeopardize their ability to remain in their home.
Headed for Home is a six-hour course at the end of which, you will receive a Certificate of Completion. Successful completion of this HUD-approved course may be your ticket to special first time homebuyers programs at various lenders. There is no cost to attend Headed for Home.
Click Here for Class Schedule
Pre-Purchase Counseling
If you are thinking about buying a home, meeting with one our Certified Housing Counselors is a BIG step in the right direction. The counselor will review your budget and credit report, and help develop a plan to make homeownership a reality for you.
Contact us now!
Foreclosure Prevention and Mitigation
If you are delinquent on your mortgage or are facing foreclosure on your home,
contact us immediately. Our Certified Housing Counselors have the experience and expertise to work with you and your lender to find the solution that will be best for your particular circumstances.
We are part of the Iowa Mortgage Help network of counseling agencies, as well as the National Foreclosure Mitigation Counseling Program.
Post Purchase Counseling and Home Maintenance
No, we aren’t going to re-roof your house or fix a leaky faucet, but we
will provide you with the tools to retain and maintain homeownership, once you have purchased your home. Our Certified Housing Counselors will help you:
- Develop a budget
- Deal with creditors
- Address situations that may jeopardize your ability to keep yoiur home (such as a reducation in your income or increase in your expenses)
Addressing these issues before problems arise or they get out of hand is critical.
Contact us now!
Reverse Mortgage
If you are 62 or over and own your home, you may be able to use the equity in your home to pay bills or supplement your income, and not have to pay the loan back.
Contact us to speak with a Reverse Mortgage specialist.