Pre-purchase Education - If you think you're ready to buy a home, but are unfamiliar with the process, our Pre-Purchase Education class would be great for you! The class includes topics such as: what to look for in a home, working with real estate agents and lenders, creating and maintaining a budget, home inspections and what happens at a closing.
Financial Management Counseling -Financial Management Counseling is an in-depth course of up to 6 counseling sessions for those interested in buying a home, but aren't quite prepared financially to purchase immediately. Listening Ear Housing’s counselor will work with you on all aspects of financial management to boost your credit score, balance your budget, and prepare you for homeownership within 12 months. These sessions aren't for the faint of heart! The key to successfully completing this program is personal motivation and the drive to own your own home.
Foreclosure Prevention Counseling -We know that the economy is tough. We know that home owners can hit stumbling blocks along the way.
We can help! If you are having difficulty making your monthly mortgage payments, you can protect your home, but you need to take action immediately by contacting us. Our counselor may be able to assist you in keeping your home and avoiding foreclosure. Sometimes, keeping the mortgage is not in the best interest of your family. We can discuss all of your options. This counseling is available at no cost to homeowners.
The very first step to take as soon as your income reduces and/or you miss a mortgage payment is to call and communicate with your lender. Ideally, your lender will want to work with you and help you find a way to keep your home. The longer you wait, the more difficult this will be to do. If you are several months behind in your mortgage payments and haven't contacted your lender, they will assume that you do not intend to repay their loan. Don't avoid your lender OR their calls. DO take action and call Listening Ear's Housing Counselor at (989) 773-6904, ext 228. Be prepared to discuss your problems honestly and in detail as well as working toward your goal of home retention.
To learn more about all of the educational classes offered through Listening Ear, email Teagan Lefere
Understanding the Foreclosure Process (pdf)
Foreclosure Prevention Packet (pdf)
Home Ownership Class Schedule (pdf)
