Harford County Housing & Community Development offers several types of homeownership counseling.
Pre-purchase and post-purchase Homeownership Counseling: Counselors help increase client awareness of the process of becoming a homeowner, and calculate the affordability of homeownership.
Budget Counseling: Counseling is available to assist clients in enhancing their financial management skills.
Mortgage Default and Delinquency: Counseling is available to increase client awareness of programs available to prevent foreclosure (when possible). Counselors discuss with clients the foreclosure process, and are also available to work on a client's behalf with lenders (when necessary). Click here to download and print the Foreclosure Counseling Intake Packet.
Home Equity Conversion Mortgage Counseling: Counselors can discuss with clients reverse mortgage programs, options to consider when applying for a reverse mortgage, and help clients calculate financial gain.
Rental Counseling and Rent Delinquency: Counselors help clients understand the rental process and rights of tenants.