Housing Counseling

Housing Counseling
Consumer Credit Counseling Service (CCCS) has been a trusted name in counseling since 1966.
We are approved by the U. S. Department of Housing and Urban Development (HUD) to provide counseling, education and advice in housing issues to new and existing homeowners.  Our services included:

Mortgage Delinquency and Foreclosure Prevention Counseling
CCCS offers confidential counseling to help you understand your options and how to deal with your situation.  No matter if you are just beginning to get behind or are more seriously delinquent, our trained housing counselors can either meet with you in person or by phone.  CCCS can help homeowners assess their financial situation, rework budgets and contact lenders, if necessary, to develop a plan to address the mortgage delinquency.  There is no charge for these confidential sessions.

Reverse Mortgage Counseling
Reverse Mortgages can help people on fixed incomes supplement their retirement income or pay for things like home repairs, prescriptions and medical care.  CCCS' experienced counselors can provide personal counseling to help you decide if a Reverse Mortgage is right for you.  Along with other requirements, the home owner must be at least 62 years old and live in the home for the majority of the year.

A Reverse Mortgage counseling session has a fee of $125 that is paid at the time of counseling. The counseling fee can be waived if the client's income is under 150% of the federal poverty level or a hardship exists that prevents the client from paying the fee.  For more details, call 866-731-8486.

Pre-Purchase Counseling
During pre-purchase counseling, CCCS of MD & DE's certified counselors help participants identify and develop effective strategies for purchasing a home. Learn how much house you can afford to buy, how to budget and save for your purchase, help discern what type of mortgage is right for you.  Learn about barriers that may affect your ability to buy and own a home.  Obtain and privately review your credit report and score and receive assistance in resolving credit issues.  Receive referrals for down payment assistance programs and other resources when available.  Gain money management advice and assistance throughout the home buying process and beyond.  For more details or to schedule an appointment call 866-731-8486.