A-1 Community Housing Services

TO EDUCATE AND EMPOWER THE PUBLIC ON SUBJECTS USEFUL TO INDIVIDUAL HOUSEHOLDS, AS WELL AS BEING BENEFICIAL TO THE OVERALL COMMUNITY. THIS HOUSING RELATED EDUCATION IS DESIGNED TO ASSIST HOUSEHOLDS IN MAKING INFORMED DECISIONS REGARDING THEIR HOUSING OPTIONS.

ALL OF PROGRAMS LISTED BELOW ARE DESIGNED TO IMPROVE THE CALIFORNIA HOUSING MARKET AND ARE BEING PROVIDED BY THE ORGANIZATION AS FOLLOWS:DEVELOPING HOMEOWNERSHIP - FIRST TIME HOME BUYER WORKSHOPSWORKING WITH INDIVIDUALS AND HOUSEHOLDS WHOM ARE BUYING THEIR FIRST HOME OR THOSE WHO ARE RETURNING BACK INTO HOMEOWNERSHIP, AND HAVE THE DESIRE TO EDUCATE THEMSELVES, IN THE PROCESS AND IMPORTANCE OF PLANNING AHEAD IN ORDER TO MANAGE THEIR FINANCES AND BECOME SUCCESSFUL HOMEOWNERS. OUR HUD APPROVED WORKSHOPS COVER THE FOLLOWING:PREPARING FOR HOMEOWNERSHIPMANAGING FINANCESUNDERSTANDING THE IMPORTANCE OF GOOD CREDITTHE PROCESS OF QUALIFYING FOR A MORTGAGEAVAILABLE DOWN PAYMENT AND CLOSING COSTS PROGRAMSIMPORTANCE OF PROTECTING INVESTMENTS.MAINTAINING HOMEOWNERSHIP - FORECLOSURE PREVENTIONEDUCATING HOMEOWNERS ABOUT THE MORTGAGE PROCESS WE OFFER GROUP AND ONE ON ONE COUNSELING SESSIONS SO THAT INDIVIDUALS MAY BETTER UNDERSTAND THE OPTIONS AVAILABLE AND HOW TO MAKE IT THROUGH A FINANCIAL HARDSHIP. THROUGH THE PROCESS THEY WILL LEARN ABOUT GOVERNMENT PROGRAMS THAT MAY OFFER RELIEF. THEY WILL ALSO BE INFORMED ABOUT ALTERNATIVES OPTIONS; REPAYMENT PLANS, FORBEARANCE, DEED-IN-LIEU AND LIQUIDATION. OUR HOUSING ADVISERS WORK WITH HOMEOWNERS AND THEIR FINANCIAL INSTITUTION IN ORDER TO PROVIDE THE BEST POSSIBLE OUTCOME. FINANCIAL LITERACY EDUCATION - MONEY MANAGEMENTOUR FINANCIAL LITERACY WORKSHOPS INCLUDE THE FOLLOWING:CREATING A BUDGETSTRATEGIES ON HOW TO MANAGE FINANCESCONSEQUENCES ON FALLING BEHIND ON DEBTMANAGING PERSONAL ASSETSCREDIT MANAGEMENTWE OFFER CREDIT REPAIR ASSISTANCE WORKSHOPS OR ONE ON ONE COUNSELING TO CONSUMERS INTERESTED IN CLEANING UP THEIR CREDIT REPORT ISSUES. THE RESULT WILL CAUSE THE CONSUMER TO HAVE A BETTER CREDIT (FICO) SCORE. OUR CREDIT REPAIR ASSISTANCE WORKSHOPS OR COUNSELING INCLUDES THE FOLLOWING:REVIEW OF THE CREDIT REPORTPRIORITIZING DEBTSCREATING A BUDGETHOW TO REDUCE DEBTS AND EXPENSESSTRATEGIES TO REBUILD CREDITHOW TO AVOID IDENTITY THEFT AND CREDIT SCAMSRENTAL ASSISTANCEWE PROVIDE A COMPREHENSIVE LIST OF PROPERTY MANAGEMENT COMPANIES OFFERING AVAILABLE AFFORDABLE HOUSING, AS WELL AS COMPANIES OFFERING FINANCIAL ASSISTANCE WITH THE FIRST MONTH RENT, LAST MONTH RENT AND SECURITY DEPOSIT REQUIREMENTS.HOMELESS ASSISTANCEA LIST OF FACILITIES OFFERING HOUSING ASSISTANCE TO HOMELESS INDIVIDUALS, FAMILIES, OR VETERANS IS PROVIDED UPON REQUEST.THESE PROGRAMS AND SERVICES ARE GEARED TOWARD THOSE WITHIN THE DEMOGRAPHIC POPULATIONS OF POOR AND LOW TO MODERATE INCOME HOUSEHOLDS. THESE PROGRAMS ARE DESIGNED TO PROVIDE QUALITY HOUSING EDUCATION TO HOUSEHOLDS WITHIN THE COMMUNITY THAT HAVE A DESIRE TO IMPROVE THEIR FINANCIAL AND HOUSING SITUATION.