Foreclosure Counseling

Foreclosure is a legal process through which a lender seeks to take ownership of a borrower’s home because the borrower has failed to pay his or her mortgage loan as agreed. The foreclosure process typically begins when a borrower is more than 90 days late on a mortgage payment and the lender files a notice of default.  According to some studies, half of home foreclosures occur without borrowers ever talking to their lender, servicer or to a non-profit housing counselor.  Although there is no simple or single solution, it is important that at risk borrowers take immediate action. Foreclosures may be avoided if individuals are well informed about available resources.

CNHS will assist homeowners that are in urgent need of foreclosure counseling and support by providing outreach, education, counseling, and mediation assistance. CNHS will also assist in addressing the underlying issue(s) that are keeping the homeowner from making timely monthly mortgage payments as agreed.  Foreclosure counseling includes one-on-one counseling sessions to assist homeowners in assessing their current situation and empowering them to make decisions to rectify current and future homeownership situations.  

Housing Counseling

For over 20 years and counting, the Homeownership Center “team” at Clearwater Neighborhood Housing Services (CNHS) has dedicated its mission to making the dream of homeownership a reality for many of the residents in the communities we serve. The success of our families has been the cornerstone of our expertise and the building blocks of strengthening and revitalizing our neighborhoods.

As a result of our long standing reputation, we have been able to develop and strengthen new and existing partnerships to provide you with expanded resources and referrals to professionals within the homeownership industry that are essential pieces to the puzzle of purchasing your first home.

At Clearwater Neighborhood Housing Services (CNHS), we understand that responsibilities to family and work can be sometimes overwhelming, making the process of purchasing a home a stressful undertaking. That is why we have developed a “One-Stop-Shop” to provide you with services core to purchasing a home.

Our pre purchase services are designed to help you improve your current housing condition and understand the responsibility of homeownership. Specifically, these services include one-on-one housing counseling, action planning for mortgage readiness, homebuyer and financial fitness education, budgeting, credit building and/or repair, down payment and closing cost loans, and assistance with obtaining city and county first time homebuyer funds. 

When you enroll in the CNHS Homebuyer program, you can expect to work with a team of trained professionals, at your own pace, that will guide you through the pre purchase process.

Call in or visit our Homeownership Center today so we can guide you through pathway of homeownership.