Welcome to the National Housing Resource Center

The National Housing Resource Center (NHRC) is an advocate for the nonprofit housing counseling industry, as well as for housing consumers, for communities of color, for the elderly, and for under-served populations. This website is home resources and tools for housing counselors.

member  media research

Latest News

Loss Mitigation

October 24th, 2022|0 Comments

Earlier this year National Housing Resource Center surveyed housing counselors from HUD-approved housing counseling agencies to describe their current experience helping homeowners in distress access loss mitigation options. Seventy-six housing counselors responded from locations across the country. Nearly 90% of respondents report seeing an increase in foreclosure prevention cases. Notably, nearly 70% of respondents report they are assisting borrowers with non-government-backed mortgages, either Private Label Security or Portfolio. These are homeowners that were not covered by the protections given to homeowners with government-backed mortgages through the CARES Act. Job loss or income reduction, whether COVID related or not, is the [...]

The Community Reinvestment Act

August 9th, 2022|0 Comments

The Community Reinvestment Act (CRA) was enacted in 1977 to eliminate redlining and to expand credit access to all communities, including low-moderate income earning neighborhoods. The CRA strengthened the expectation that banks serve the convenience and needs of local communities. Currently, the CRA requires Federal financial institutions, the Office of the Comptroller of the Currency (OCC), the Board of Governors of the Federal Reserve, and the Federal Deposit Insurance Corporation to assess and evaluate the record of each bank in its ability to fulfill community obligations and to consider the record of evaluating applications for charters, bank mergers, branch openings, [...]

NHRC Highlights

On Monday, NHRC met with Danberry Carmon and the Office of Housing Counseling staff.  In the photo are Ibijoke Akinbowale (NCRC), Terry Carr (HUD), Jorge Rivera (UnidosUS), Danberry Carmon (HUD), Claudia Randall (Community Development Network of Maryland), Simone Griffin (HomeFree-USA), and Ellie Pepper (NHRC).  Also in the meeting were Ayanna Fortson (National Urban League), Jennifer Murphy (Homeownership Council of America), David Young (Housing Action Illinois), Karen Hoskins (NeighborWorks America), Baylee Childress (NeighborWorks America), Ruth Roman (HUD), Brian Siebenlist (HUD), Phyllis Ford (HUD),  Jerry Mayer (HUD), and me.

We discussed strategies to increase housing counselor certification, challenges with testing sites, English as a second language issues, and different learning and testing styles of counselors.  We explained  some of our programs to attract more people to the housing counseling field.  We urged HUD to get this year’s Housing Counseling Assistance funding out early to the agencies.  We floated ideas on rebranding housing counseling and what would it take to rebrand the housing counseling job title.   We updated HUD on the technology work, integrating MISMO data standards into the housing counseling client management systems. We described the Savi student loan tool and the discount for HUD-approved housing counseling agencies.  All in all, it was vibrant discussion and we agreed to more regular meetings.