Affordable quality housing has always been at the forefront of CPLC’s comprehensive service system. To this end, CPLC has established an extensive housing system that incorporates several approaches to the development of affordable quality housing. The agency offers counseling services to clients on mortgage default, pre-purchase, post-purchase, and first time home buyer education, financial literacy, foreclosure prevention and fair housing.
As of January 2013, CPLC Nevada in partnership with Freddie Mac operates 1 of 13 Freddie Mac Borrower Help Centers (FMBHC) across the country. As an on-the-ground Borrower Help Center and through Freddie Mac’s national network, the center works as a trusted national nonprofit intermediary in support of Freddie Mac’s ongoing commitment of preparing prospective buyers for responsible homeownership and helping struggling homeowners with Freddie Mac-owned mortgages avoid foreclosure. Borrower Help Centers were established during the housing crisis, and played a critical role in helping clients with Freddie Mac-owned mortgages at risk of losing their homes understand, identify, and pursue a foreclosure prevention solution with their mortgage loan servicers, whenever possible. To find your nearest Freddie Mac Borrower Help Center, visit http://www.freddiemac.com
CPLC is a Housing and Urban Development (HUD) approved counseling agency with more than thirty years of experience. CPLC provides housing counseling services designed to help individuals and families acquire relevant information needed to make sound decisions, identify affordable housing options, and maintain stability. CPLC’s Housing Counseling team is required to adopt and follow The National Industry Standards for Homeownership Education and Counseling. The National Industry Standards are a set of guidelines for quality homeownership and counseling services.CPLC’s staff of experienced counselors is dedicated to meet the needs of their clients through three primary areas of focus:
- PRE-PURCHASE COUNSELING: Our HUD certified pre-purchase counselors can help clients understand the homebuying process and cooperatively develop an action plan towards homeownership. The counselor will tailor the session and review the household budget, credit status, and help create a realistic plan that will prepare the client(s) for the future financial responsibility that is homeownership. A Pre-Purchase session focuses on the credit and financial aspects of homeownership, and the applicant screening for all applicable down payment assistance programs. Our counseling services act as a pre-requisite for any individual looking to obtain a cost-effective mortgage loan, increase the ability to successfully purchase a home, and decrease the risk of foreclosure.
- MORTGAGE DEFAULT COUNSELING: If you’re a homeowner facing possible foreclosure, our certified housing counselors will provide you with a confidential, no-cost session to help you understand your options. In your one-on-one counseling, the counselor will review your household financials and advise you on your viable home retention or transition options. We also provide assistance to clients experiencing a variety of housing issues which may include landlord-tenant conflicts, eminent mortgage delinquency, pending foreclosure sale, and identifying incidents of fraud.
- FIRST TIME HOMEBUYER EDUCATION: This instructive 8 hour FTHB class covers the process of homeownership from working with real estate professionals, loan officers, title reps, and understanding the title process. It also covers important subjects such as credit terminology, mortgage products, home inspections, and other relevant homeownership responsibilities. Our HBE Class certificate is approved and accepted by most state and municiple housing subsidy (down payment) programs. Call our office at (702) 207-1614 to inquire or to sign up to next available class.
To view our HBE Class Schedule, click here. 2018 HBE Class Schedule
- ONLINE HOMEBUYER EDUCATION COURSE NOW AVAILABLE THROUGH CPLC:
To inquire about any of the above programs, call us at (702) 207-1614, or email us at firstname.lastname@example.org
HOUSING COUNSELING LOCATIONS: