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Housing Counseling

What We Do

CHANGE, Inc. is a HUD-approved housing counseling agency that can offer home buyer education, foreclosure prevention, credit /budget counseling and rental counseling.

The CHANGE, Inc. Housing Counselor will help you decide what options are best for you. Whether you are concerned about falling behind on your mortgage or rental agreements, preparing to buy a home, having questions about your credit, or needing assistance to develop a household spending plan, we are here to help. This program does not provide funding to bring rent or mortgage current if you have fallen behind.

Services We Provide

Homebuyer Education Workshops*

Utilizing the NeighborWorks “Realizing the American Dream,” prospective homeowners learn the entire home-buying process from managing money and understanding credit to securing a mortgage loan and shopping for a home.

Looking for the checklist, class schedule, and application? Head up to our Applications for Programs Tab
**If you have a spouse/partner, they must also sign all file forms provided in application.**

Online Homebuyer Education*

CHANGE, Inc. offers you the option to take your Homebuyer Education Class in the comfort of your own home. Our partnership with eHome America is designed to help you to receive your Housing Counseling Certificate at your convenience. Many people have a difficult time getting to our workshops or have the time to schedule in-person counseling, for reasons such as work schedules or babysitting issues. This online version helps you get the education and certification you need for your selected mortgage product. There is a small fee for this convenience. There will be a short session with a housing counselor at the end of the course prior to obtaining your housing counseling certificate.

To take the class online, click the button below to register.

Budget and Credit Counseling

Finance and credit counseling appointments offer you the tools and techniques to know where you are spending your money today, and have a well-thought-out plan in place where you would like to go in the future. You will be provided with a unique plan specifically designed with your personal information provided to set goals, get organized, track your spending, build and maintain a budget, and save money. Call or pick up an application today. No fee unless you desire your personal credit report with a credit score to be reviewed during the interview. This course is NOT approved for the First Time Home Buyer program.

**If you have a spouse/partner, they must also sign all file forms provided in application.**
Head to our Application for Programs tab to fill out your application today!


We can provide you with an online option for budgeting and money management training. This is an excellent way for you to understand the concept of money management and how you can work at your own pace in the privacy of your own home. No appointment with a financial education counselor will be necessary. There is a one-time fee of $30 for this online educational course. You will receive a certificate of completion at the end of the program to print out for your records. This course is NOT approved for the First Time Home Buyer program.

Rental Counseling

Rental appointments will help you identify, attain and successfully reside in rental housing. Tools will be provided that will enable you to narrow your housing choices considering the proximity to education, employment and social opportunities. You will also be provided with an understanding of your rights and responsibilities for both you and the landlord. We provide counseling and education only to prevent future arrearage and to educate you how to remain current on your rent going forward. We do not pay rent.

**If you have a spouse/partner, they must also sign all file forms provided in application.**
Download the application to apply.

 UD: 1/29/2020

Resolving or Preventing Mortgage Delinquency or Default

Be ready to outline your current hardship and explain why you are having trouble making your mortgage payment, and if this is a short-term or long-term problem. Your mortgage company will need to understand the reasons why you are having difficulty in order to find the right solution for you. The earlier you contact CHANGE, Inc. to help you identify the cause of your default and begin to discuss options with your lender, the quicker the default will be addressed and you will be able to make informed choices of lender options available to you. CHANGE, Inc. will conduct follow-up with you until a resolution or decision is made.

Apply here Applications For Programs 

**If you have a spouse/partner, they must also sign all file forms provided in application.**

Home Equity Conversion Mortgage (Reverse Mortgage)

FHA funds housing counseling agencies throughout the country who can provide information to you for free or at very low cost on reverse mortgages, also known as Home Equity Conversion Mortgages (HECM).

Search the HECM Counselor Roster to find a HECM counselor near you,  or call (800) 569-4287. You may also contact a HECM counselor from FHA’s National HECM Counseling Network. These counselors provide both face-to-face and telephone counseling nationwide.

If you want further assistance, please contact the FHA Resource Center.

Post Purchase Home Owner Education

We can provide you with another online option through our partnership with a home. You will learn about budget and credit, insurance, and how to maintain a successful home ownership. A certificate of completion will be awarded upon completion. A fee of $50.00 is required to take this course.  

* – These programs  provide attendees with a housing counseling certificate. Many mortgage lenders require a housing counseling certificate for their loan products. 

How to Receive Service

There are no eligibility guidelines; this is a need based service only.

If you have an impairment, disability, language barrier, or otherwise require an alternative means of accessing information about housing counseling, please talk to your housing counselor about arranging alternative accommodations.

Fair housing is the right to choose housing free from discrimination. CHANGE Inc is committed to furthering fair housing by providing education and resources concerning rentals, sales, lending, and insurance. Use the link below if you have any fair housing concerns:

Housing Resources

Available Locations

CHANGE, Inc. / Family Medical Care – Newell Office
1151 Washington Street, Newell, WV 26050

CHANGE, Inc. Outreach Office
700 First Street, Moundsville, WV 26041

CHANGE, Inc. Administrative Office
3158 West Street, Weirton, WV 26062
304-797-7733 x1405

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