Program Housing Counselor (Full Time)
Select Location: Yakima
The primary responsibility of the Housing Counselor is to provide housing counseling and education to first-time homebuyers, existing homeowners, and homeowners facing foreclosure. The Housing Counselor teaches group classes and offers one-on-one counseling to help low- and moderate-income households overcome barriers to homeownership, improve credits scores, reduce debt, establish budgets, qualify for a mortgage, prevent foreclosure or evictions, and achieve long-term housing stability and financial security. This role requires an individual with a passion for and commitment to helping low-income and financially distressed individuals. Must be HUD certified or willing to become certified.
Our generous benefits package includes:
LTD and STD
Retirement (OIC of WA contribution)
403b employee contribution
Paid Time Off (PTO)
11 Paid Holidays
Agency Wide Training
Agency Wide Community Events
- Provide financial and housing counseling to assist individuals in meeting their financial and housing goals.
- Counseling areas: Rental Counseling, Foreclosure Prevention, Post Purchase, Home buying, and Financial Capability.
- Provide individual financial counseling, including credit report review, budget, debt reduction, savings, access to affordable and safe financial goals, and goal setting.
- Perform an analysis to determine affordability and sustainability of homeownership: develop loss mitigation alternatives and intervention.
- Communicate with the mortgage companies and submit a loss mitigation package on behalf of the client when applicable.
- Analyze the financial situation, affordability assessment based on income and debt, credit, and readiness to buy and qualify for a mortgage, and development of an action plan to overcome barriers to achieving homeownership.
- Assist future homeowners in preparing for homeownership acquisitions. Explain the terms and conditions regulating affordable housing programs
- Introduce and explain home buying and loan terms such as amortization schedules, income calculations, housing ratios, credit analysis, foreclosure procedures and prevention steps, and other loan steps
- Teach 5-hour HUD Approved Homebuyer Education class in a group setting.
- Develop personalized client action plans corresponding to goals and recommendations for all housing counseling programs.
- Actively engage in follow-up and ongoing case management with the client post-counseling to evaluate the effectiveness of the action plan and the client’s success in following the recommendations provided by the counselor.
- Identify community resources and make appropriate referrals to achieve client goals.
- Adherence to established policies and procedures for the delivery of counseling and education services.
- Enters housing assistance data into the agency data management system.
- Participates in community housing development coordination meetings focusing on issues related to safe and affordable housing for low-income citizens as requested.
- Adhere to all agency policies and procedures.
- Attend all meetings as required in a punctual, professional, and contributory manner.
- Other duties as assigned.
BA degree in business or related field
One (1) year of experience in the social service field
Additional years of experience may be considered in lieu of education