Home Counseling Forms
You can find home counseling forms here.
You can contact us by phone at 877-677-5779, or email us here
CAF Housing Counseling and Education Services include the following areas:
Credit Advisors Foundation provides housing counseling without charge to persons who demonstrate they cannot afford the fees. (No person shall be turned away for services based on the inability to pay or financial hardship*.)
These fees MAY include the following:
There is NO CHARGE for the following services:
*Financial hardship is determined only after a complete budget has been developed and reviewed with the client documenting household financial circumstances including all household income, expenses and all debt. Clients who can afford fees shall be charged whatever portion of costs incurred for certain programming, that are not covered by grant funding, including from HUD or other financial support sources such as community funds, creditor/lenders and other program fees.
We can help by assisting you to contact your lender/servicer. We can also guide you through the application process for assistance, delinquency resolution and foreclosure mitigation. CAF also makes use of the HOPE LoanPortal to communicate and transmit documentation of your situation directly to your lender/servicer. (The HOPE LoanPortal is currently used by 20 mortgage servicers, who service more than 80% of all mortgages in the U.S., like Bank of America, Chase, Citi, and Wells Fargo).
First, if you haven’t already, open a savings account to begin saving up your down payment. Next, call us. We’ll help you review your goals, budget, and financial stability to make the best housing decisions for your family. We’ll help you determine if owning a home is right for you and how much home you can truly afford. Our Homebuyer Education will help you understand the homebuying process, navigating underwriting, and recognizing the documents you will be asked to sign at closing.