The Association of Housing Counselor's Certification program ensures basic proficiency in housing counseling concepts and techniques. Certification requirements include participation in the Basic (Track A) and Advanced (Track B) Housing Counseling workshops and successful completion of written certification exams for both tracks.
The Basic Housing Counseling curriculum is designed to provide training on several specific skills that are central to successful homeownership counseling - basic counseling and communication skills, pre-qualifying buyers, and solving credit problems. The curriculum also provides participants with a working knowledge of the mortgage lending and consumer credit industries. Information on a variety of mortgage products, homebuyer education models, and program administration is also presented.
Chapter One: Overview of Housing Counseling:
Chapter one presents an overview of housing counseling by providing basic definitions of counseling, housing counseling, pre-homeownership counseling and homebuyer education.
Chapter Two: Counseling Skills:
This chapter focuses on counseling skills that are essential to successful counseling. We'll also talk about specific communication skills relevant to building rapport, developing trust, and facilitating change. We'll also introduce the concept of a case management approach to counseling. Case Management refers to the planning process in which counselors develop concrete action steps to meeting the client's needs.
Chapter Three; The Mortgage Lending Industry:
Chapter three provides insight into the mortgage lending industry - how mortgages work and how they are financed. Basic underwriting guidelines and the loan application process are also discussed. Other topics include the role of the federal government and the secondary markets in shaping the mortgage industry. It is essential that housing counselors familiarize themselves with how lenders operate and what they look for in loan applications so that they can provide informed, knowledgeable, and professional assistance to clients.
Chapter Four: Client In-Take and Pre-Qualification:
Chapter four continues the discussion of the mortgage lending industry by presenting information on how to pre-qualify families for homeownership. Section One focuses on client intake and application interview procedures that facilitate gathering and verifying information regarding clients' financial situation. Section Two includes case studies, exercises, and practical worksheets that illustrate how to accurately calculate income, qualifying ratios, and how to assess clients' overall eligibility for homeownership.
Chapter Five: The Consumer Credit Industry:
The purpose of this chapter is to present an overview of the consumer credit industry. Topics include the basic types of credit, the role of credit in the economy, and credit legislation. Chapter Five instruction on how to analyze credit reports and how to interpret credit scores.
Chapter Six: Budgeting for Homeownership:
This chapter includes instructional materials on implementing a household budget that focuses on reducing debts and developing a savings plan.
Chapter Seven: Homebuyer Education Models:
This chapter discusses educational goals and various options for training curricula. Tips for managing training logistics such as class schedules and locations, as well as recruitment of local housing professionals to present some of the workshop segments will be discussed. In addition, presentation skills conducive to adult learning are also included.
This training will take place at the Ashford Suites Hotel located at 3901 Sedgebrook Street in High Point, NC 27265. Discounted room rates are $84 per night for a King room and $74 per night for a Double Queen Room (not including tax). Ashford Suites Hotel amenities include free wireless Internet access, microwave, coffee/tea maker, fireplace, hairdryer, complimentary newspaper, iron & ironing board and 32 premium cable television.
Guests staying at the hotel can enjoy complimentary hot breakfast served Monday-Friday 6:30am-9:30am and Saturday & Sunday 7:00am-10:00am.
Reservations at the discounted rate must be made by calling 336-812-8787.