One-on-One Housing and Credit Counseling

Once clients complete the homebuyer education class, clients may choose to become a counseling client.  During counseling sessions with a certified counselor, clients will develop an action plan, a budget, and receive credit counseling.  All counseling services will be structured to meet each client's needs.  If you desire to become a homeowner, education followed by counseling is recommended.

•     -Click here for the pre-intake survey
•     -Click here to determine if you are mortgage-ready

    -Looking for the BEST Mortgage

 

*All NELCDC services are currently FREE for all clients.  Questions?  Call NELCDC today!  (806) 747-5937

 

 HOUSING COUNSELING BROCHURE

 

 

 

 

The NELCDC became a HUD-approved housing counseling agency in 2005.  The NELCDC serves a 60-county region in west Texas.  Since then we’ve facilitated more than 164 first-time homebuyers in Lubbock and throughout the west Texas region.

 

As of 2018, the NELCDC has two (2) staff members certified in homeownership counseling and pre-purchase homeownership education.  By August 1, 2020 NELCDC staff will be certfied as housing counselors by the U.S. Dept. of Housing & Urban Development.

 

The NELCDC provides the following services:

Monthly group education

One-on-One housing and credit counseling

3-HR/Pre-Purchase/Remote counseling (via phone, Skype, and via a 2.5-hour online training module followed by a 30-min budget discussion with a counselor)

 * As of 10/1/2019, All NELCDC services are currently FREE to the public.

Step-by-Step Process to Becoming a Homeowner

 

 HUD Housing Counseling Outreach Materials

 

• Homeowner's Guide to Success
• First-Time Homebuyers Credit 101
• First-Time Homebuyers Housing Counseling and You
• First-Time Homebuyers Mortgage 101
• First-Time Homebuyers - On the Money
• Housing Counseling - Smart Move! (Flyer)
• Housing Counseling - Smart Move! (Brochure)
• Housing Counseling - General Housing Counseling Poster