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  Default/Delinquency Counseling  
CHRA provides default/delinquency counseling for approximately 9 households per month who are in default on an FHA-insured mortgage or received pre-purchase counseling from CHRA in the past. Default counseling includes:

  • determination of the amount, extent and cause of the delinquency or default;

  • budgeting and money management;

  • arranging reinstatement plans;

  • referrals to other resources;

  • completing applications for the HUD Pre-foreclosure Sale Program;

  • provide information on alternatives to foreclosure including deed-in-lieu.

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