{"id":69,"date":"2018-01-16T15:41:10","date_gmt":"2018-01-16T20:41:10","guid":{"rendered":"http:\/\/new.nhsgreaterberks.org\/?page_id=69"},"modified":"2024-06-18T15:04:41","modified_gmt":"2024-06-18T19:04:41","slug":"counseling","status":"publish","type":"page","link":"https:\/\/nhsgb.org\/buy-your-home\/counseling\/","title":{"rendered":"Counseling"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_custom_heading text=&#8221;Counseling&#8221; font_container=&#8221;tag:h1|font_size:40|text_align:left|color:%23006f51&#8243; google_fonts=&#8221;font_family:Alegreya%20Sans%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C800%2C800italic%2C900%2C900italic|font_style:900%20bold%20regular%3A900%3Anormal&#8221;][vc_empty_space][vc_column_text]Here at NHS Greater Berks, we offer several types of counseling for clients who want to buy, are in the process of buying, or have already purchased homes. Depending on your homeownership status, an NHS housing counselor will sit with the client and develop an action plan to help prepare for or maintain homeownership.\u00a0 The following types of counseling are currently offered:[\/vc_column_text][vc_empty_space][vc_tta_accordion color=&#8221;black&#8221; active_section=&#8221;1&#8243; no_fill=&#8221;true&#8221;][vc_tta_section title=&#8221;Credit and Budget&#8221; tab_id=&#8221;credit-and-budget&#8221;][vc_column_text]<\/p>\n<ul>\n<li>Pull and review your credit report and score<\/li>\n<li>Run calculations to determine monthly affordability<\/li>\n<li>Review income and expenses to create a budget based on net income<\/li>\n<li>Determine the level of mortgage readiness<\/li>\n<li>Create an action plan<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_tta_section][vc_tta_section title=&#8221;Pre-Closing&#8221; tab_id=&#8221;pre-closing&#8221;][vc_column_text]<\/p>\n<ul>\n<li>Review Budget<\/li>\n<li>Self-Assessment<\/li>\n<li>Review closing documents<\/li>\n<li>Home Maintenance<\/li>\n<li>Usually lender required<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_tta_section][vc_tta_section title=&#8221;Post-Purchase&#8221; tab_id=&#8221;post-purchase&#8221;][vc_column_text]<\/p>\n<ul>\n<li>Review Budget<\/li>\n<li>Eliminating the use of credit cards or lowering amount of existing debt<\/li>\n<li>Reduce dangerous borrowing habits<\/li>\n<li>Address future steps to take for maintaining homeownership<\/li>\n<li>Go over any questions and concerns<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_tta_section][vc_tta_section title=&#8221;Federal Relay Numbers&#8221; tab_id=&#8221;federal-relay-numbers&#8221;][vc_column_text]<\/p>\n<p>Toll-Free and Toll Access Numbers for Federal Relay are:<\/p>\n<p>(800) 877-8339 TTY \/ ASCII (American Standard Code For Information Interchange)- Allows TTY users to type their conversation<br \/>\n(877) 877-6280 VCO (Voice Carry Over)- Allows users to voice their conversation<br \/>\n(877) 877-8982 Speech-to-Speech- Allows people with Speech Disabilities to re-voice their conversation<br \/>\n(800) 845-6136 Spanish- Allows Spanish-speaking callers type and receive their conversation in Spanish with no translation services<br \/>\n(888) 474-8983 Spanish to English- Allows callers to type in English or Spanish and receive translation services from Spanish to English or English to Spanish<br \/>\n(866) 377-8642 Voice- Allows hearing callers to connect with a CA to type their conversation to their caller<br \/>\n(866) 893-8340 TeleBraille- Allows a DeafBlind caller to receive their conversation at a slower pace<br \/>\n(605) 331-4923 From non-domestic locations (International Voice\/ TTY\/ VCO\/ ASCII\/ Spanish)- Allows an international call to connect with a CA to place a call within the US<br \/>\n(800) 877-0996 Customer Service (Voice, TTY, ASCII and Spanish)- Allows callers to connect with Customer Service<\/p>\n<p>&nbsp;<\/p>\n<p>[\/vc_column_text][\/vc_tta_section][\/vc_tta_accordion][vc_empty_space height=&#8221;30px&#8221;][vc_column_text]NHS\u2019s highly trained homeownership specialists are available to provide a personalized mortgage-readiness assessment, answer your questions, and see you through to the end of your home purchase.<\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: center;\"><strong>There is no fee for our services and they are available to anyone.<\/strong><\/p>\n<p style=\"text-align: center;\"><strong>There is a $26 fee for the credit report that is required for counseling sessions.<\/strong><\/p>\n<p style=\"text-align: center;\"><a href=\"mailto:&quot;clabrador@nhsgb.org\" target=\"_blank\" rel=\"noopener noreferrer\"><u>Email a counselor for more info<\/u><\/a><\/p>\n<p style=\"text-align: center;\"><strong><u>Fill out the counseling form below to sign up for counseling sessions.<\/u><\/strong><\/p>\n<p>[\/vc_column_text][vc_row_inner css=&#8221;.vc_custom_1606156180846{margin-top: 40px !important;margin-bottom: 70px !important;}&#8221;][vc_column_inner][vc_btn title=&#8221;English Counseling Form&#8221; color=&#8221;inverse&#8221; size=&#8221;lg&#8221; align=&#8221;center&#8221; link=&#8221;url:https%3A%2F%2Fnhsgb.org%2Fbuy-your-home%2Fcounseling%2Fenglish-counseling-form%2F|title:English%20Counseling%20Form||&#8221;][vc_btn title=&#8221;Spanish Counseling Form&#8221; color=&#8221;inverse&#8221; size=&#8221;lg&#8221; align=&#8221;center&#8221; link=&#8221;url:https%3A%2F%2Fnhsgb.org%2Fbuy-your-home%2Fcounseling%2Fspanish-counseling-form%2F|title:Spanish%20Counseling%20Form||&#8221;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_custom_heading text=&#8221;Counseling&#8221; font_container=&#8221;tag:h1|font_size:40|text_align:left|color:%23006f51&#8243; google_fonts=&#8221;font_family:Alegreya%20Sans%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C800%2C800italic%2C900%2C900italic|font_style:900%20bold%20regular%3A900%3Anormal&#8221;][vc_empty_space][vc_column_text]Here at NHS Greater Berks, we offer several types of counseling for clients who want to buy, are in the process of buying, or have already purchased homes. Depending on your homeownership status, an NHS housing counselor will sit with the client and develop an action plan to help prepare for or [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":67,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Counseling - Neighborhood Housing Services<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/nhsgb.org\/buy-your-home\/counseling\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Counseling - Neighborhood Housing Services\" \/>\n<meta property=\"og:description\" content=\"[vc_row][vc_column][vc_custom_heading text=&#8221;Counseling&#8221; font_container=&#8221;tag:h1|font_size:40|text_align:left|color:%23006f51&#8243; google_fonts=&#8221;font_family:Alegreya%20Sans%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C800%2C800italic%2C900%2C900italic|font_style:900%20bold%20regular%3A900%3Anormal&#8221;][vc_empty_space][vc_column_text]Here at NHS Greater Berks, we offer several types of counseling for clients who want to buy, are in the process of buying, or have already purchased homes. 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