HUD Services

PC – Pre-purchase One-On-One Counseling
Target Area	Housing needs and Problems	Description of Educational Services	Outcome	Fee Schedule	Counseling Settings	Non-English Speaking (LEP) Clients
Broward County(see attached Census fact sheet)	Please see attached the 2009 Annual Report from the Broward Housing Council	Review client's credit report and suggest corrections or updates Help client understand and establish a savings account. . Reduction of debt Clear understanding of stabilized income and employment Preparing for Homeownership Shopping for a Home Obtaining a Mortgage Mortgage Rates Adjustable or Fixed Rates Insurance Closing Costs Title Closing Life as a Homeowner	Less Foreclosure Stable homeowner Family stability Stronger neighborhoods Realistic understanding of homeownership Assists families to become mortgage-ready	No Fees	Face to Face Group Individual Client with Physical disabilities can request a phone/fax counseling	Spanish Portuguese Creole French English

FHE – Fair Housing Pre-Purchase Education Workshops
Target Area	Housing needs and Problems	Description of Educational Services	Outcome	Fee Schedule	Counseling Settings	Non-English Speaking (LEP) Clients
Broward County	2009 Annual Report from the Broward Housing Council	Fair housing enforcement agency roles and local fair housing laws Advertising suggestions Suggestions on developing nondiscriminatory rental application Nondiscriminatory tenant selection and procedures Guidelines for establishing and enforcing tenancy rules, rule violations and evictions procedures Claims of retaliation Familial status issues, occupancy guidelines and housing for older persons (HOPA) Renting to people with disabilities - reasonable accommodations and modifications issues	Less Foreclosure Less evictions Stronger neighborhoods Happier investor	No fees	Face to Face Group Individual Client with Physical disabilities can request a phone/fax counseling	The agency have presently 5 different languages: Spanish Portuguese Creole French English

PRL – Predatory Lending Education Workshop
Target Area	Housing needs and Problems	Description of Educational Services	Outcome	Fee Schedule	Counseling Settings>	Non-English Speaking (LEP) Clients
Broward County	2009 Annual Report from the Broward Housing Council	Explanation of excessive fees Abusive prepayment penalties Kickbacks to real estate brokers, referrals or affiliates (yield spread premiums) Loan flipping Unnecessary mortgage products Mandatory arbitration Steering & Targeting Abusive subprime loans and other new trends in predatory lending Ways to avoid financial fraud Fair lending laws that protect consumers Reporting abuses	Less Foreclosure, and a happy homeowner	No fee	Face to Face Group Individual Client with Physical disabilities can request a phone/fax counseling	The agency have presently 5 different languages: Spanish Portuguese Creole French English

PPE – Pre-Purchase Homebuyer Education Workshops
Target Area	Housing needs and Problems	Description of Educational Services	Outcome	Fee Schedule	Counseling Settings	Non-English Speaking (LEP) Clients
Broward County	2009 Annual Report from the Broward Housing Council	Review client's credit report and suggest corrections or updates Help client understand and establish a savings account. . Reduction of debt Clear understanding of stabilized income and employment Preparing for Homeownership Shopping for a Home Obtaining a Mortgage Insurance Closing Costs Title Closing Life as a Homeowner	Less Foreclosure Stable homeowner Family stability Stronger neighborhoods Realistic understanding of homeownership Assists families to become mortgage-ready	No fee	Face to Face Group Individual Client with Physical disabilities can request a phone/fax counseling	The agency have presently 5 different languages: Spanish Portuguese Creole French English

DFC – Mortgage Delinquency and Default Resolution One-On-One Counseling
Target Area	Housing needs and Problems	Description of Educational Services	Outcome	Fee Schedule	Counseling Settings	Non-English Speaking (LEP) Clients
Broward County	2009 Annual Report from the Broward Housing Council	Development of a spending plan Analysis of the mortgage default, including the amount and cause of default Presentation and explanation of reasonable options available to the homeowner Assistance communicating with the mortgage servicer and other creditors Timely completion of promised action Explanation of collection and foreclosure process Identification of assistance resources Referrals to needed resources Confidentiality, honesty, respect and professionalism in all services Crisis Budget Transitional housing	An educated homeowner, that now has a clear understanding of affordability issues Easy transition and more information to where do I go from here? More information and a less frustrated previous owner	No fee	Face to Face Group Individual Client with Physical disabilities can request a phone/fax counseling	The agency have presently 5 different languages: Spanish Portuguese Creole French English

DFE – Resolving/Preventing Mortgage Delinquency Workshops
Target Area	Housing needs and Problems	Description of Educational Services	Outcome	Fee Schedule	Counseling Settings	Non-English Speaking (LEP) Clients
Broward County	2009 Annual Report from the Broward Housing Council	Development of a spending plan Analysis of the mortgage type Presentation and explanation of reasonable future options available to the homeowner Create an action plan for savings and emergency funds Crisis Budget Options for transitional housing if necessary Forbearance Deed in lieu of Foreclosure Reinstatement Short sell or sell your home	Forbearance Deed in lieu of Foreclosure Reinstatement Short sell or sell Modification	No fee	Face to Face Group Individual Client with Physical disabilities can request a phone/fax counseling	The agency have presently 5 different languages: Spanish Portuguese Creole French English

FBC – Financial Management/Budget One-On-One Counseling for Homeowners
Target Area	Housing needs and Problems	Description of Educational Services	Outcome	Fee Schedule	Counseling Settings	Non-English Speaking (LEP) Clients
Broward County	2009 Annual Report from the Broward Housing Council	Budgeting Cutting Cost Credit cards Financial Emergencies Identity Theft Death of a spouse or family member Review client's credit report and suggest corrections or updates Help client understand and establish a savings account. . . .Reduction of debt Clear understanding of stabilized income and employment	Less Foreclosure, and a happy homeowner	No fee	Face to Face Group Individual Client with Physical disabilities can request a phone/fax counseling	The agency have presently 5 different languages: Spanish Portuguese Creole French English

Dream Home Organization, Inc. a 501 (c)3, nonprofit organization prohibits discrimination in all its programs and activities on the basis of race, color, national origin, age, disability, and where applicable, sex, marital status, familial status, parental status, religion, sexual orientation, genetic information, political beliefs, reprisal, or because all or a part of an individual's income is derived from any public assistance program.