Counseling Services

House Sitting on Dollar Bill
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.
For more information, please call 410-638-3045.