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What Is HUD Homeownership Counseling?

Project Sentinel is certified by HUD to provide several important housing counseling services to residents of Santa Clara and San Mateo counties.

  • First-time homebuyer education in both individual counseling sessions and group workshops.

    Potential first time buyers learn the basics of the purchase process from certified experts. Among the topics covered are:
    • Deciding whether you are ready to be a homeowner -- The advantages and disadvantages
    • Calculation what you can truly afford to purchase, looking for financing and obtaining credit approval, understanding factors like income to debt ratio, types of loans, working with mortgage providers and finding other sources of funding
    • Shopping for the right home, planning your search, working with realtors choosing condos versus single family dwellings
    • Navigating the mechanics of escrow and dealing with the various participants such as title companies

  • Mortgage delinquency and default counseling.

    Project Sentinel counselors work with homeowners and lenders to find alternatives that allow the homeowner to avoid foreclosure and save the investment they have made in their home.

  • Protection against predatory lending practices.

    Predatory lending practices can unfairly increase loan costs and even lead to foreclosure for homeowners who become entangled in these schemes. Project Sentinel helps homeowners avoid these schemes, in both workshops and individual counseling settings.

Send mail with questions or comments about this web site to info@housing.org.
Copyright © 2005 Project Sentinel
Last modified: 4/14/05