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Housing Counseling and Education Center

Housing Counseling and Education Center

Housing Resources is a HUD approved Housing Counseling Agency. We provide FREE housing counseling services to residents of the Western Slope of Colorado with any income level. The program serves as a supportive base for families seeking these services, and furthermore, as an organizational core program in supporting future first time homeowners and current homeowners. Our mission is to provide counseling assistance to Western Slope residents by achieving and maintaining the goal of homeownership.

These are the services provided through the Housing Counseling and Education Center include:

  • Financial Coaching: Guides clients to reach their financial goals. The process is personalized and non-judgmental. Financial coaches provide support, encouragement, accountability, and tools to help people make informed decisions.
     
  • Financial Capability Workshops: Primary focus on improving credit scores, raising income, increasing saving and reducing debt
     
  • Homebuyer Education (HBE) Class: The ​workshop covers all the elements of the home buying process from financial preparation and credit review to mortgage financing and closing.
     
  • Pre-Purchase Counseling: Covers topics like financial management, evaluating credit information, prequalifying & loan approval, financing options, shopping for a home, finalizing the loan, the closing process, maintaining your new home, avoiding foreclosure and predatory lending practices.
     
  • Post-Purchase Coaching: Counselor helps clients understand those responsibilities and avoid things that pose a risk to ensure long-term success. Topics covered include: Maintaining, repairing and improving your home. Refinancing.
     
  • Rental Counseling: Our specialized rental counseling will help you develop a personalized spending plan and provide you with advice for saving money, increasing income, and reducing debt.  Our counselors will work with you to understand  why credit matters. Calculating an affordable rent payment. Common landlord requirements. Understanding lease agreement. Basic tenant rights and affordable housing options.
     
  • Foreclosure Prevention: A HUD-approved housing counselor is an experienced, trained professional who can advise you on preventing foreclosure, buying a home, protecting your credit, and other issues.

For more information, to request a workshop for a group, or to schedule a one-on-one in person session with a HUD counselor, contact our office at (970) 241-2871 or e-mail us at frontdesk@hrwco.org

Emergency Rent and Mortgage Assistance Programs

  • If you are a resident of Mesa County and you have lost a job or are unable to make your rent or mortgage payment due to the COVID-19 pandemic, you may be eligible for emergency funds. We ask that you call our office at (970) 241-2871 and set-up an appointment with one of our housing counselors. Our counselors will work with you one-on-one to help you develop a plan that is sustainable and practical.

  • If you are a resident of Delta, Montrose, Gunnison, Hinsdale, Ouray and San Miguel County's and you have lost a job or are unable to make your rent or mortgage payment due to the COVID-19 pandemic, you may be eligible for emergency funds. We ask that you call our office at (970) 241-2871 and set-up an appointment with one of our housing counselors. Our counselors will work with you one-on-one to help you develop a plan that is sustainable and practical.

  • Once you have contacted our office and they have given you instructions, please fill out this authorization form. This form allows Housing Resources to request information and to advocate for you with other organizations, businesses, city, county, state and federal agencies. This also allows us to work directly with creditors, property management companies and mortgage servicers.

  • Once you have contacted our office and they have given you instructions, please fill out this budget worksheet form. This form helps our housing counselors to understand your expenses and how they can work with you to find solutions and a long-term plan that will be sustainable.

  • Once you have contacted our office and they have given you instructions, please fill out this basic needs form if they have instructed you to do so.

  • Self Certification form.

  • Please click on this link to upload your forms securely. Please select Deb when prompted to do so.

Our Impact This Year

  • Volunteer Hours

    3,190

  • Dollars Raised

    $10000

  • Program Participants

    892

© 2020 Housing Resources of Western Colorado

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