For a list of approved housing developments, contact a counselor at the Housing and Urban Development department.

Financial education is another important tool in this long-term strategy.  While not the first step after foreclosure, it is very important for helping individuals and families to learn how to make better financial decisions going forward.  A list of free financial education resources can be found at the link.

A good starting point to find out about local programs that offer credit counseling.  While these counselors specialize in homeownership counseling, many also provide basic financial sounseling, or can refer the person to a reputable organization in his/her community.

The agency offers a range of services including money and credit management education, credit and debt counseling.  Services are provided in person, on the phone or online.

Neighborhood Works affiliates are nonprofit organizations across the country that provide foreclosure prevention counseling for at-risk homeowners, in addition to housing and financial education counseling as well as other helpful services for prospective homeowners.

Online listing of rental agencies in your area.

In some geographic locales foundation and grassroot organizations offe small dollar grant programs to assist families in transition to another home after foreclosure.

Understanding distressed properties can be frustrating and time consuming for all parties involved.  The ability to provide expert assistance to homeowners during such difficult transitions is important;  since Short Sales have become prevalent in our marketplace there are many new and compelling strategies that can enhance the customers experience in buying or selling a short sale.  I am confident, empathetic and prepared for the challenges that are likely to occur.