CPACS

Housing

The 03.21.2020
Homebuyer workshop has been postponed.
We will advise you of a rescheduled date as soon as it’s been determined.

Registration Fee: $30 To complete registration, click payment button below and pay your registration fee after submitting, then we will send confirmation email shortly.

Housing Program

CPACS Housing Counseling Department provides housing counseling and education services to low-to-moderate income renters, homebuyers, or homeowners. Our bi-lingual housing counselors speak Burmese, Hindi, Korean, Nepali, and Urdu. Our services include the following:

One-on-one Counseling:

  • Financial Management/Credit Counseling: We assist our clients with Budgeting, credit counseling to build or rebuild credibility, financial coaching and setting financial goals.
  • Pre-purchase Counseling: We provide homebuyers with budgeting, mortgage readiness, fair housing rights, home buying process, home inspection and responsibility of homeownership.
  • Mortgage Delinquency Counseling: We help homeowners create emergency budgeting, apply for various loss mitigation options (forbearance, repayment plan, loan modification, short-sale, or deed-in-lieu), and/or understand the foreclosure procedure and the avoidance of eviction.
  • Rental Counseling: We provide referrals for senior housing or homeless shelters, assist the homeless-at-risk households or individuals with transitional housing, and provide intervention counseling between tenants and landlords to resolve disputes.

Group Workshops:

  • First-time Homebuyer Workshop: This is an 8-hour certificate program. We educate prospective homebuyers about budgeting and loan affordability, FHA loan vs. conventional loan, shopping for a home, home inspection vs. home appraisal, and down payment assistance programs. We help them understand the homebuying process and make informed decisions.
  • Financial Literacy Education: We educate refugee households about banking, budgeting and credit, and financial goals.