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Housing Counseling Gives You the Help You Need

Whether you rent, own or want to buy a home, we can help you reach your goals and maintain financial security. That’s why we offer a range of HUD-approved housing counseling and educational services to help you make the right move when it comes to your specific housing scenario.

Please let us know if you have a disability, language barrier or any impairment that may affect your access to our services. Call 866-987-2008 or email housing@takechargeamerica.org so that we may assist you in making alternative arrangements.

Housing Counseling Services

Homebuyer Education

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Pre-Purchase Counseling

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Post-Purchase Counseling

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Rental Counseling

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Delinquency Counseling

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‘Make Your Move’ Online Homebuyer Education

Make Your Move…A Guide to Homeownership© is an online homebuyer education course for prospective homebuyers. This eight-hour course is a requirement to qualify for down-payment assistance programs* such as Home in 5, HOME Plus, Pathways to Purchase and Home Ready.

Make Your Move is available online 24/7 and covers:

  • Pros and cons of renting vs. buying
  • Budgeting and credit
  • Your homebuying team: Realtor, lender, home inspector, etc.
  • Pre-approval vs. pre-qualification for a home loan
  • Finding the right lender
  • Housing affordability and sustainability
  • Closing process and loan costs
  • Loan types
  • Home search and inspection
  • Foreclosure prevention
  • Home maintenance, improvement and repair

Cost is $100. You must pass with a minimum 70% score to receive the certificate.

Take the Online Course

Call 866-987-2008 or email housing@takechargeamerica.org to speak with a counselor or schedule your session.

*Contact your lender to determine if this course would fulfill down-payment assistance program requirements.

Pre-Purchase Housing Counseling

Ready to buy a home or just exploring options? Our certified housing counselors will help you make sense of it all. From determining what type of housing suits your needs to budgeting for house-related expenses and the logistics of the homebuying process, our counselors will work with you to understand your specific goals and create a customized action plan to achieve them.

During your session, we will complete a financial review and discuss:

  • Pros and cons of buying a home
  • Fair housing guidelines
  • Search considerations and housing options
  • Affordability, upfront costs and ongoing costs
  • Mortgage types and options
  • Application process
  • Protecting your investment

Call 866-987-2008 or email housing@takechargeamerica.org to speak with a counselor or schedule your session.

Post-Purchase Housing Counseling

Whether you just moved in or have been settled for years, our certified housing counselors can help you develop an action plan to protect your investment. From revisiting your budget to preventing foreclosure, we will help you maintain your homeownership goals.

During your session, we will complete a financial review and discuss:

  • Routine maintenance and repairs
  • System maintenance schedule
  • Home safety and emergency preparedness
  • Home improvement and financing options
  • Avoiding foreclosure and default options

Call 866-987-2008 or email housing@takechargeamerica.org to speak with a counselor or schedule your session.

Rental Counseling

Are you getting your own place for the first time or moving to a new location? Our certified housing counselors can provide you with one-on-one rental guidance. From determining what type of rental suits your needs to budgeting and the application process, we will help you create an action plan to ensure your move is a success.

During your session, we will complete a financial review and discuss:

  • Pros and cons of renting
  • Fair housing guidelines
  • Search and rental unit options
  • Affordability, upfront costs and ongoing costs
  • Tenant and landlord responsibilities
  • Application process

Call 866-987-2008 or email housing@takechargeamerica.org to speak with a counselor or schedule your session.

Delinquency Housing Counseling

If you are struggling to make your mortgage or rent payments, our certified housing counselors can provide one-on-one guidance. From revisiting your budget to evaluating transition strategies, we will help you develop an action plan based on your specific needs.

During your session, we will complete a financial review and discuss:

  • Pros and cons of staying in your home
  • Options to maintain current housing
  • Available resources
  • Foreclosure process (for homeowners)
  • Eviction process (for renters)

Call 866-987-2008 or email housing@takechargeamerica.org to speak with a counselor or schedule your session.

We Support You With the Help of Our Community Partners

Success Stories

“A big thank you for your professionalism, calm demeanor, and extra effort you always provided me as I navigated the process. You are awesome, and I can’t thank you and the Save Our Home AZ program enough for what you’ve done for me.” – John B.

“I just wanted to tell you how much I/we are so grateful for the help you gave us on saving our home. You gave me hope when everyone else was slamming doors in my face. Thank you. Thank you for listening to me, not judging me, and helping us. Instead of having our house auction today and having to move, I was able to wake up today with the only stress of having to wake up my little girl and getting her dressed for picture day today at her daycare. Thank you so very much.” – Erin, Robert, and Destiny H. (plus our 2 dogs, cat and bunny)

“I just wanted to thank you for your exceptional help through this process. It is complex, but you patiently explained everything to me in a practical manner. Your patience, kindness and insight were incredible. You definitely went above and beyond the call of duty!” – Larry S.

Explore Free Financial Resources

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