YNDC is a HUD-Approved Housing Counseling Agency dedicated to helping you achieve sustainable home ownership. We assist clients with identifying and resolving the barriers to homeownership in one-on-one counseling sessions as well as in a group, classroom-style setting. The YNDC’s Housing Counseling services address the following topics:
Pre-purchase & Homebuyer Education – Subject matter includes but is not limited to advice regarding readiness and preparation for homeownership; Federal Housing Administration insured financing; housing selection and mobility; search assistance; fair housing, fair lending and predatory lending; budgeting and credit; loan product and feature comparison; purchase procedures and closing costs; money management (does not include debt management plan programs); selecting a real estate agent; and home inspection. Counseling sessions and workshops also may include guidance on alternative sources of mortgage credit; down payment assistance; locating housing that provides universal design and visibility; how to apply for special programs available to potential homebuyers; how to purchase a home using the Section 8 Homeownership Voucher Program; and referrals to community services and regulatory agencies.
Non-Delinquency Post-Purchase Counseling – These counseling sessions and education workshops provide home maintenance and financial management for homeowners, on topics including but not limited to escrow funds; budgeting; refinancing; home equity; home improvement; utility costs; energy efficiency; and rights and responsibilities of homeowners. This area of counseling may also cover loan and grant options; housing codes and housing enforcement procedures; accessibility codes and how to design features to provide accessibility for persons with disabilities; non-discriminatory lending and funding for persons who modify their dwellings to accommodate disabilities; visibility and universal design; how to specify and bid construction work; and how to enter into and manage construction contracts including actions to address the non-performance of contractors.
For more information, please contact Tammi Neuscheler, Housing Client Manager via email at firstname.lastname@example.org or via phone at 330.480.0423.
We are looking forward to working with you and supporting you in realizing your goal of homeownership!