NeighborWorks Sacramento

HUD Certified Housing Counselor (Spanish-speaking)

Job Category

Social Services

Overview

Description

HUD Certified Housing Counselor (Spanish speaking)

SUMMARY

Housing Counselors work with community members to determine their housing goals, barriers to those goals and strategies for achieving them. In accordance with the HUD Housing Counseling Handbook and National Industry Standards, Housing Counselors provide all lines of counseling identified in Neighbor Works Sacramento’s HUD Housing Counseling Workplan.

Housing Counselors are well-versed in issues at every level of housing. They assist community members achieve goals or solve problems related to tenancy, eviction, financial and credit readiness, home purchasing, home ownership, refinancing, foreclosure prevention and loss mitigation.

Housing Counselors must be solution oriented, problem solvers, and non-judgmental. They are both advocates and coaches for the customer. Housing Counselors must also set and maintain clear boundaries within the counselor- customer relationship and achieve customer service performance benchmarks. Remote work is possible for applicants with HUD certified credentials.

DUTIES & RESPONSIBILITIES

• Provide counseling and analysis to borrowers regarding borrower’s financial position, mortgage affordability, including creation of a realistic household budget, and provides information regarding available workout options.
• Provides Pre-Purchase counseling and helps community members determine their credit and financial readiness for a mortgage and explains the entire process of home purchasing.
• Works with each foreclosure prevention customer to determine what actions need to be taken to either prevent foreclosure or pursue an alternative solution to foreclosure. They explain the entire process of foreclosure and communicate with both servicers and customers to aid in the successful outcome of each case.
• Provide Post-Purchase Counseling to current homeowners to assist them with non-delinquency, post- purchase issues, which may include insurance, refinancing, home maintenance and more. Ensure customer has received a Disclosure Statement and provided a Credit Authorization (if applicable). Provide information on Fair Housing, develop a sustainable household budget, pull, and review a Credco Tri-Merge Credit Report with the customer (if considered necessary in determining readiness for a refinance), develop an action plan with the customer.
• Conduct 30-minute counseling consultations for CalHFA buyers in California who have completed the eHome America course. During this session, the Housing Counselor covers the most important home purchasing topics for a customer at that stage in the purchasing process and answers any questions they have about the course. Send the customer a follow up email with the summary document and Fair Housing information attached, generate, and send the eHome Certificate of Completion in the eHome America website, log the meeting in Salesforce Making timely follow-ups, schedule subsequent appointments, sending termination of service notices, maintaining current case data, forms, documents, and log entries in the Client Management System
• Use all computer systems needed to successfully work with their customer. We currently use CMAX, Salesforce, Setmore, Docusign and Sharefile. It is the Housing Counselor’s responsibility to understand how to operate each program and maintain all customer files; this includes entering client level data and customer notes daily.
• Ensure that all customer records and digital files are in compliance with the National Industry Standards and HUD.
• Housing Counselors teach Preparing for Home ownership (an 8-hour workshop) and Financial Capability classes. It is expected that Housing Counselors will work on some evenings and Saturdays and may be required to participate in outreach events after regularly scheduled work hours. Housing Counselors may also be required to develop class curriculum. Additional duties are assigned at the discretion of the CEO and Home Ownership Services Director.
• Ensure customer has received a Disclosure Statement and provided a Third-Party Authorization Form, provide…