Rental Counseling Waitlist

Services Offered:

Sacramento Neighborhood Housing Services, Inc. dba. NeighborWorks Sacramento (SNHS) offers the following HUD one-on-one counseling and group education services: Rental Topics, Pre-Purchase/Homebuying, Non-Delinquency Post-Purchase, Reverse Mortgage Counseling, Resolving/Preventing Forward Mortgage Delinquency/Default, Resolving/Preventing Reverse Mortgage Delinquency/Default, Disaster Preparedness Assistance, Financial Management Counseling, Disaster Recovery Assistance, Financial Literacy Workshop, Pre-Purchase Homebuyer Education Workshop, and Non-Delinquency Post-Purchase Workshop.

Housing Counseling Services

Rental Topics (Rental Counseling)

Our rental counseling service helps renters who would like to improve their rental situation or avoid eviction. This is a personalized approach where you and your counselor can discuss your housing wants and goals. The counselor will discuss your credit report, go over your income and budget, and create an action plan where you can see your suggested next steps toward those goals.

Pre-Purchase/Homebuying (Pre-Purchase Counseling)

Clients receive comprehensive one-on-one counseling, which covers the entire home-buying process from beginning to end. Counselors assist their clients with creating a sustainable budget/spending plan for their current household situation, and a clear action plan is developed to achieve the overall goal of homeownership. Clients also receive important material on home inspections, pre-foreclosure, and any other homeownership topic relevant to successfully maintaining a home.

Non-Delinquency Post-Purchase (Non-Delinquency Post-Purchase Counseling)

If you are already a homeowner but have questions about what to do next, our housing counselors are available to help. During this session, Clients will receive important material on how to properly maintain a home and refinance a home. Clients are assessed for individual needs and are assisted with the tools and services to successfully maintain a home.

Reverse Mortgage Counseling (HECM Counseling)

HECM (Home Equity Conversion Mortgage) counseling is designed to ensure that homeowners 62 and over fully understand the terms, costs, benefits, and risks of a reverse mortgage before committing. It provides unbiased guidance so borrowers can make an informed decision and consider alternatives.

Resolving/Preventing Forward Mortgage Delinquency/Default and Resolving/Preventing Reverse Mortgage Delinquency/Default (Foreclosure Prevention Counseling)

If you are late on mortgage payments or worried that your payments are not affordable, we have counselors ready to offer assistance. In a counseling session, your counselor will evaluate your situation, explain your options, and help you identify the appropriate next steps.

Disaster Preparedness Assistance (Disaster Preparedness Counseling)

Being prepared before disaster strikes can make all the difference for you and your family. Clients work one-on-one with a counselor to build a personalized emergency plan that addresses key areas such as emergency savings, insurance coverage, and access to critical resources. Counselors also provide guidance on disaster relief programs, FEMA assistance, and recovery support to help clients protect their home and financial stability when it matters most.

Financial Management Counseling (Financial Capability Counseling)

Taking control of your finances starts with having the right plan and support in place. Clients work one-on-one with a counselor to assess their current financial habits, build a sustainable budget, and develop a personalized action plan for managing debt, improving credit, and growing savings. Counselors also provide valuable resources on topics such as credit building, banking basics, and any other financial capability subject relevant to helping clients successfully achieve their short-term and long-term financial goals.

Disaster Recovery Assistance (Disaster Relief Counseling)

Recovering from a disaster can feel overwhelming, but you do not have to navigate it alone. Clients work one-on-one with a counselor to assess the impact of a disaster on their housing and finances, identify available relief options, and develop a clear plan for stabilizing and rebuilding their situation. Counselors also provide guidance on FEMA assistance, disaster relief programs, insurance claims, and any other recovery resource relevant to helping clients restore stability and move forward with confidence

Education Services

Financial Literacy Workshop

The Housing Counseling Department offers free financial capability classes on a variety of financial topics. Classes are typically 90 minutes long.

Pre-Purchase Homebuyer Education Workshop (eHome America First-Time Homebuyer Education Online Course and Follow-Up Counseling)

Group Education Workshop an 8-hour workshop where attendees will receive information on topics that will prepare the prospective homebuyer to make informed home purchase decisions. Topics include homebuyer readiness, money management, understanding credit, getting a mortgage loan, shopping for a home, keeping your home, and maintaining a home.

Non-Delinquency Post-Purchase Workshop (eHome America Post-Purchase Education Online Course)

A fully online Post-Purchase Education Course aiming towards ensuring the financial well-being of new homeowners who recently moved into their home. The 1-to-2-hour process focuses on teaching about financial planning for home expenses, future maintenance costs, tax benefits, and what to do in the instance of financial hardship. The course is designed to promote sustainable homeownership.

Privacy Statement:

SNHS values your privacy. When you use our service, we collect personal information in order to provide the services you requested and to support our housing counseling program. We collect the following information: information we receive from your application and other forms, information about your transactions with us, our affiliates, or others, and information we receive from a consumer reporting agency. Our agency takes precautions to keep your information confidential and secure per HUD requirements. SNHS may not use or disclose the information provided by you without written consent except under the following circumstances: as necessary to provide the services you request, as required by law or in response to a subpoena or search warrant, or to outside auditors such as HUD or NeighborWorks® America who have agreed to keep the information confidential.

Relationships with Industry Partners:

SNHS has financial relationships with several partners in the industries of lending, real estate, insurance, and other related fields. Sacramento Neighborhood Housing Services, Inc. Dba. NeighborWorks Sacramento (SNHS) has financial partnerships with the following organizations:

Ø  BALANCE

Ø  Bank of America

Ø  CalHFA

Ø  Cathay Bank Foundation

Ø  City of Folsom

Ø  City of Stockton

Ø  eHome America

Ø  El Dorado Savings Bank
Ø  Fannie Mae

Ø  HUD

Ø  NeighborWorks® America

Ø  NHSLA

Ø  Sacramento Housing and Redevelopment Agency

Ø  Wells Fargo Inc.

Ø  Yolo Federal Credit Union

No Client Obligation:

There is no obligation to receive, purchase, or use any product or service offered by this agency or any services of its industry partners, financial partners, or another party in exchange for receiving HUD housing counseling and/or education services.

Alternatives:

As a condition of our services and in compliance with HUD’s Housing Counseling Program requirements, we may provide information on alternative services, programs, and products available to you.

Acknowledgments

Please sign in the signature block at the bottom of this page that you have read and understand the following acknowledgments:

1. I understand that SNHS provides housing counseling. A written action plan will be provided consisting of recommendations for handling my situation, possibly including referrals to other housing agencies as appropriate.

2. I understand that a credit report is recommended for SNHS to provide the best assessment for customers.

3. I understand that SNHS receives Congressional funds for housing counseling. As such, it is required to submit client-level information through the online reporting system with program administrators or their agents for program monitoring, compliance, and evaluation.

4. I may be referred to other housing services or agencies as appropriate to able to assist with concerns that have been identified. I understand that I am not obligated to use any of the services offered to me.

5. I can “opt-out” of disclosures of my non-public personal information to third parties (such as your creditors). If I choose to “opt-out,” SNHS will not be able to answer questions from my creditors. If at any time, I wish to change my decision regarding my “opt-out” choice, I may call 916-452-5356 and do so.

Third-Party Release Information 

1. So long as you have not opted out, SNHS may disclose some or all of the information that we collect, as described above, to creditors, where we have determined that it would be helpful to you, would aid us in counseling you, or is a requirement for grant awards.

2. We may also disclose any nonpublic personal information about you as permitted by law (e.g., if we are compelled by legal process).

3. Within the organization, we restrict access to nonpublic personal information about you to those employees who need to know that information to provide services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

By signing below, I acknowledge that I have read and understand the Housing Counseling Disclosure Statement above and have received a copy of SNHS privacy policy.