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Provides no-cost, HUD-approved housing and financial counseling services. Helps clients assess their financial situation, evaluate options, and reduce debt. Workshops qualify for HUD down payment assistance certificate. Offers in-person and virtual sessions, and includes the following services: Budgeting Credit counseling Rental counseling First time homebuyers counseling Post-purchase counseling Foreclosure prevention services

Offers HUD-assisted families become financially independent of government assistance by increasing their income. Case management services include: Job training Financial literacy Credit counseling Homebuyers education classes

Provides housing counseling services for individuals facing discrimination when renting or buying a home. Addresses the following issues:

• Racial equity
• Older adults
• Eviction prevention strategies for justice-involved
• First-time buyers
• Mortgage delinquency and foreclosure

Also provides referrals for tenant and landlord mediation.

Offers case management services to families and connects them to necessary resources. Areas of need include: Parenting classes Family counseling Legal aid and immigration issues Healthcare referrals Domestic violence counseling referrals Housing referrals Referrals to other local social service agencies for financial and basic needs Referrals to substance use, problem gambling, and mental health treatment

Provides services to low-income veterans and their families who are at imminent risk of becoming homeless. Supportive services include:

• Housing stabilization
• Temporary financial assistance (including rent, security deposit, utilities and car repairs; based on eligibility)
• Intensive, short-term case management
• Assistance with VA and mainstream benefits

Provides HUD-approved housing counseling to help with the following: Buying a home Maintaining a home Home Equity Conversion Mortgage (HECM)/reverse mortgages Bridge loan and high risk mortage loan (HOEPA counseling certificates)

Offers case management services to families and connects them to necessary resources. Areas of need include: Parenting classes Family counseling Legal aid and immigration issues Healthcare referrals Domestic violence counseling referrals Housing referrals Referrals to other local social service agencies for financial and basic needs Referrals to substance use, problem gambling, and mental health treatment

Provides first-time homebuyer education and HUD approved counseling services. Also offers down payment assistance where clients receive up to 5% of purchase price to help with down payment and closing costs. Affordable homeownership units in Lake Forest and Highland Park are also available for clients. Services include:

• Developing an individualized action plan
• Developing a realistic budget
• Learning how much of a loan you can afford
• Understand your credit report
• Build savings
• Decrease debt
• How to improve credit scores
• How to qualify for a mortgage
• Overcoming barriers to homeownership
• Answer your questions
• How to feel more confident and prepared for homeownership

Offers free HUD-approved housing counseling and mediation services for people facing foreclosure. The court-appointed mediator will help the individual and lender reach a meaningful solution.

Provides counseling and education designed to certify for home ownership. Also allows clients to receive counseling for down payment assistance or housing. Pre-rental counseling is given to clients seeking approval to rent under several housing programs.

Offers HUD-approved housing counseling services to individuals and families in Lake County. Offers tools, education, and empowerment to help address financial barriers to affordable housing. Counseling topics include: Budgeting & Banking Credit Repair Community & Covid Resources Downpayment Assistance Equity Loans Fair Housing and Fair Lending Financial Literacy Foreclosure and Homelessness Prevention Landlord's Rights & Responsibilities Mortgage Default Prevention Pre-Purchase / Home Buyer Refinancing Mortgages Rental Counseling Savings & Spending Plans Scam Prevention Tenant's Rights & Responsibilities