Housing Counseling

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Helping Your Housing Finances

Figuring out your finances when it comes to housing can be overwhelming. Whether you are looking to rent, buy, or you’re already a homeowner, we provide counseling, education, and advice on housing issues. Approved by the U.S. Department of Housing and Urban Development (HUD), Apprisen has been a trusted name in housing counseling since 1979.

Apprisen Provides 3 Types of Housing Counseling:

  • Mortgage Delinquency & Foreclosure Prevention
  • First-Time Homebuyer Counseling & Education
  • First-Time Renter Counseling & Education 

Mortgage Delinquency & Foreclosure Prevention

If you’re one of the many Americans that are facing the challenge of mortgage delinquency, don’t wait. Today is the day to explore your options. Apprisen offers free, confidential counseling to help you deal with your situation. Whether you’re just beginning to get behind or you’re more seriously delinquent, our trained housing counselors help you assess your financial situation in person or by phone. We’ll help you rework your budget and contact your lender if necessary to develop a plan to address the mortgage delinquency.

If you are not sure where you stand, check our Early Warning Signs to find out your risk for foreclosure. You owe it to yourself and your family to evaluate your risk and seek help today, if necessary.

Early Warning Signs of Mortgage Trouble

Do any of these sound familiar?

  • Realizing that an upcoming payment increase on an adjustable rate mortgage will be too much to handle
  • Worrying that increased prices for food and gasoline are making it impossible to get through the month
  • Constantly playing catch up with your mortgage payments
  • Skipping some bills each month to pay others
  • Trouble sleeping at night because of missed payments

First-Time Homebuyer Counseling & Education

In today’s economy, it’s is extremely important to be prepared for home ownership. Apprisen housing counselors will explain the entire home purchasing process to you step-by-step. You’ll learn how much you can afford, become familiar with mortgage terms, see the importance of home inspections, and understand what happens at closing.

We offer individual first time homebuyer counseling sessions, and in some communities, homebuyer workshops are available. Contact us to learn more.

First-Time Renter Counseling & Education

Because we know how confusing it can be to deal with renting issues, Apprisen offers counseling services for first-time renters. Our experienced counselors will help you develop a budget and create realistic expectations as a first-time renter. If you are currently renting and struggling with your monthly expenses, we can help you develop a plan to get back to a comfortable financial spot. Contact us for more information.

Housing Counseling

Mortgage Delinquency, Foreclosure Prevention, First Time Home Buyer Counseling and Education, First Time Renter are all free counseling sessions.

 

There is a fee of $90.00 to complete the Pre-Purchase Mortgage counseling session. This service is specific to a client that is currently working with a mortgage lender. The consumer will be advised if the service has a fee at the time the appointment is scheduled.

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Get Started with IRIS

Financial health happens when you partner with IRIS! Securely submit your financial information to IRIS and receive a free, comprehensive financial plan within hours! This plan is reviewed by one of our live Certified Financial specialists. It's the first step on your journey to financial health!

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