FIRST TIME HOMEBUYERS

The First Time Homebuyers Workshop is designed to assist low to moderate-income families with the home-buying process. Classes are in English and Spanish covering: recommendations regarding readiness and preparation for homeownership; FHA insured financing; housing selection and mobility; search assistance; budgeting and credit; loan product and feature comparison; purchase and closing and money management. 

Pre-purchase Homebuyer Education Workshop and Pre-purchase/Home Buying Counseling: 

HAUL Housing and Social Services assists clients in the First Time Homebuyer and Housing Program for over a one-year period one year. Pre-purchase homebuyers are scheduled for an intensive six-hour group education and scheduled for a minimum of two hours of optional one-on-one counseling. Clients are tracked through closing or to a resolution of the housing process. The curriculum utilized is Keys to Homeownership – 2nd Edition, National Foundation for Credit Counseling.

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FAIR HOUSING

The Fair Housing Workshops/Fair Housing Initiative Program assists consumers in the following counties: Harris, Brazoria, Colorado, Chambers, Fort Bend, Galveston, Liberty, Waller, Walker, Austin, Matagorda, Wharton, and Montgomery. 

HAUL will advocate and provide direct assistance to victims of fair housing and fair lending laws that are a result of fraudulent or predatory mortgage rescue schemes.  Houston Area Urban League will conduct group and individual housing counseling. 

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PREPURCHASE PROGRAM

The Financial Education program workshop is scheduled for one hour monthly at no charge to the client to address budgeting, saving, debt reduction, and credit issues.   APPLY TODAY

FINANCIAL EDUCATION WORKSHOPS

The Financial Education workshop provides families with basic money management skills, which include goal setting, understanding your money, developing and maintaining a budget, savings, credit/debit, and credit management. The curriculum utilized is Building Wealth, A Beginner’s Guide to Securing Your Financial Future and materials from the Federal Reserve Bank of Dallas.  APPLY TODAY

NON-DELINQUENCY POST-PURCHASE WORKSHOPS

Homebuyers are inundated with opportunities for new purchases and the suggestions of sales representatives to make immediate improvements, security, appliances, and new cars. When first-time homebuyers are approved, we review budgets and make necessary adjustments to ensure the monthly bills are not exceeded, however, within a twelve (12) month period, families can become vulnerable to default and foreclosure due to their lack of understanding of responsibilities associated with homeownership. 

The process is implemented within 30 days of closing on their home. Housing counselors will continue to work with the client quarterly via telephone and/or email to discuss issues homeowners face during a calendar year. 

Additionally, collaborative partnerships have been established with local and national businesses to provide onsite, quarterly training sessions to promote topics such as energy savings, DIY home repair, asset protection, and taxes.   

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