National Center for Economics

HOUSING

RENTAL HOUSING AND FINANCIAL MANAGEMENT EDUCATION COUNSELING

A healthy rental history is very important in maintaining your financial well-being and for setting the stage for future home buying.

Whether you choose to purchase a home or remain a renter, your rental profile impacts your ability to find another rental, negotiate security deposits or incentives, and build reliable financial references for future loans or credit transactions. In today’s credit-driven society, it is necessary to have the knowledge to make financial management and house/apartment renting a successful experience.

Our rental housing and financial management education and counseling can help you:

Understand common lease provisions and their impact on your day-to-day life;
Learn strategies for communicating with creditors and landlords;
Discover how budgeting and debt payoff prioritizing can help your financial position

Homebuyer Counseling

Overview of NCFECO Housing Homebuyer Counseling and Education
Thinking about buying a home? We have information that can help! Got questions? Talk to one of our homeownership housing counselors! Our pre-purchase/homebuyer education includes one-on-one and group counseling in the following areas

Evaluating mortgagor readiness
Fair housing education
Budgeting for mortgage payment
Finding alternative sources of credit
Money management
Identifying and avoiding predatory lending practices and
Learning how to purchase a home using the Section 8 Homeownership Voucher Program
Our group education workshops serve many potential homebuyers. Our workshops are geared to provide all the information needed to become a successful mortgage applicant and homeowner. NCFECO Housing workshops always encourage participants to ask plenty of questions. We can also schedule one-on-one counseling for interested participants. Participants must complete eight hours of homeownership counseling. A Homebuyer’s Certificate is then earned at the end of counseling sessions.

NCFECO Housing’s Homebuyer Education seminars and workshops are supported by various funding sources including the U.S. Department of Housing and Urban Development (HUD) as well as many local, regional government agencies, and private national financial services institutions.

Know Your Rights

Once you have purchased a home, our post-purchase/non-delinquency education and counseling can help you navigate life as a homeowner. Common issues like home maintenance and financial management are covered in this HUD-approved housing counseling and education service. Come talk to our counselors for help with, among other topics:

Avoiding predatory lending and other attractive traps of available credit as a homeowner;
Understanding common credit problems that could lead to delinquency and foreclosure;
Creating a realistic budget to lay a solid financial foundation;
Understanding property taxes and insurance; and
Protecting and maintaining your home.

Disaster Relief

Our Disaster Relief Program families during times of great need in the aftermath of isolated/large-scale disasters.
We assist with providing financial aid, food, clothing and temporary shelter. We issue supply kits which include backpacks, blankets and hygiene kits – are also provided, providing an additional resource for safety, comfort and self-sufficiency in an extended emergency, disaster or evacuation. The hygiene kit includes basic necessities like a toothbrush and toothpaste, razors and shaving cream, hand sanitizer, deodorant, shampoo and soap. We also gather volunter team to assist in disaster planning, such as sandbagging for floods and boarding windows, clean up and rebuilding assistance.

Career Training

Our training program assists low income residents with referrals to job training programs as well as inhouse training programs such as how to use microsoft and google applications, typing, interview skills and dess for success training. We also offer in house entreprenural assistance such as assisting with locating funding sources for business startup, business plan assistance, mwbe certifications, and credit counseling.

RE-Entry Program

Our Re-Entry program provides assistance to incarcerated women who are in need to career training and entreprenural training prior to re-entering the community. The curriculum also includes interview skills, dress for success, budgeting, and credit building and financial literacy.