Celebrating 40 Years of Service to the Reservoir Hill Community!
RHIC Housing Counseling Resources
NEED ASSISTANCE?
Contact Us!
Want advice on buying a home, renting, default, foreclosure avoidance, credit issues? As a HUD Certified Counseling Agency, RHIC offers low or no-cost services to support housing stability.
RHIC provides a range of services for renters, home-buyers and home-owners ranging from pre-purchase counseling to eviction resources and foreclosure prevention. We can also direct you to the appropriate public resources. Reach out to RHIC's principal Certified Housing Counselor Kate Jennings for help or scroll down for more.
FORECLOSURE
Facing Foreclosure
You worked hard to save and purchase a home - but financial hardships can happen to anyone, and now you've fallen behind, so your lender has decided to foreclose. Your first step now should be to contact RHIC, a HUD-approved housing counseling agency. Foreclosure is a process most lenders would like to avoid. There may be options available to you, and the earlier you see a housing counselor, the broader the range of those options.
Be PREPARED. Not Scared.
Our HUD-Certified housing counselor can help you navigate the foreclosure process by opening up the lines of communication and may be able to request additional time to review your situation and negotiate a resolution. Depending on your situation, you may be able to retain your home or reach an alternative solution that preserves your future credit standing.
List of Services
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Get the Answers You NeedList Item 1
RHIC is a call or click away.
- No-cost, confidential sessions, in person or by phone - Fully understand the entire foreclosure process
- Assess your personal and financial picture
- Define your goals
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All is Not LostList Item 2
- Your lender may have options you aren't aware of
- Communication is key!
- Evaluate your loan, payment, and delinquency status
- Develop a home retention or exit strategy
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A Plan for the ProcessList Item 3
- Create a realistic household budget
- Understand the options available to you
- Preparation and submission of paperwork
- Communication and negotiation
HOMEOWNERS
When You Own a Home, You'll Always Have Questions
Every year, millions of homeowners and potential homeowners discover the value of HUD-approved housing counseling. Whether you're new to homeownership or well along in your journey, there will be times when you have questions or concerns and could use some experienced, impartial insights and information.
RHIC, a HUD-Approved Housing Counseling Agency, has the Answers.
The first thing you learn when you purchase a home is that there's a lot to learn. From managing your day-to-day finances to budgeting for the inevitable and unforeseen – like ongoing maintenance, upkeep, repairs, and insurance coverage. You may have questions about refinancing or a reverse mortgage or find yourself dealing with financial bumps in the road. Our HUD-approved housing counseling agency has the answers and supports you need.
List of Services
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A Firm FoundationList Item 1
- DIY classes and workshops
- Ongoing budgeting, financial management
- Maintaining your home, household systems, and appliances
- Anticipating and preparing for future maintenance and repairs
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Details that Make a DifferenceList Item 2
- Household safety - reducing the risk of accidents in your home
- Energy efficiency - saving the earth...and your hard-earned money
- Types of insurance coverages - understanding, reviewing, and comparing
- Creating an emergency preparedness plan
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Future Options
- Financing for home improvements
- Refinancing or home equity loans
- Reverse mortgages
- Selling a home
RENTING
Before You Sign
You've decided that renting is the housing route for you - but before you sign the lease on that apartment, duplex, or townhouse, do yourself a favor and call RHIC, a HUD-approved housing counseling agency. There's a lot more to renting than meets the eye - from the intricacies of a lease to your rights as a renter.
Renting Explained
You don't have to go it alone. Our HUD-certified housing counselor can be with you every step of the rental process - free or low cost!
List of Services
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The Right RentalList Item 1
- The right type of rental for you
- Finding the right location
- Determining how long you plan to rent
- Weighing needs vs. wants
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Money MattersList Item 2
- Determining how much rent you can afford
- Your credit report and its impact on your rental options
- Estimating utilities and other monthly expenses
- Potential upfront costs, application fees, and moving expenses
- Creating a realistic and workable monthly budget
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LeasesList Item 3
- What to expect in a lease and the documents you'll need
- Inspecting your new rental
- Knowing you and your landlords' your rights and responsibilities
- Your security deposit
- What to do if you feel discriminated against
- Eviction prevention supports
HOMELESSNESS
Finding Your Way Home
One crisis can change someone's world. The best of us can be battered by misfortune, illness, disability, personal trauma - by life. And too often, homelessness can be the result. If you are homeless or at risk of becoming homeless, the answers and resources of our HUD-certified housing counselor are here to support you.
The First Step to a Fresh Start
At RHIC, a HUD-approved housing counseling agency, you'll not only find yourself on your path to self-sufficiency, you'll also have an experienced, caring professional by your side of the way. Someone who wants to know you and your story and understands the barriers you need to overcome. Someone who will help you chart a course for your future and provide the tools - and the steps you need to take to make it happen.
List of Services
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Here to HelpList Item 1
- Evaluating your situation
- Finding housing
- Setting goals
- Working to attain and maintain those goals
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Locating the Resources You NeedList Item 2
- Mental and physical health care
- Job training, job search
- Transportation
- Financial management, budgeting
- Referrals to appropriate federal, state, and community services and organizations
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A Place to Turn
- Support and Resources
- People who don't care about your past - just your future
Have a question? We’re here to help!
We want to know your needs exactly so that we can provide the best help.
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