Housing Counseling
We offer free housing counseling with our HUD Certified Housing Counselors. Whether you need one-on-one financial counseling, pre-purchase counseling before you buy a home, post-purchase counseling after you buy a home, or foreclosure intervention counseling, we’re here to provide support!
Financial Counseling
Homeword provides one-on-one financial counseling to assist you in creating a realistic action plan that will allow you to meet all of your financial obligations and get out of debt as fast as possible while simultaneously assisting you in making wise financial decisions.
Contact Details
Name: Charmagne Dolphin
Phone: (406) 532-4663 x15
Email: charmagne@homeword.org
Individual Pre-Purchase Counseling
A certified counselor works with you to help you to become mortgage ready. This includes analyzing budgeting issues, setting savings goals, overcoming credit or insufficient income issues and identifying options for down payment and financing assistance programs. Our counselor also provides general encouragement and support to help you stay motivated and reach your goal of becoming a homeowner.
Contact Details
Name: Brendan Moles
Phone: (406) 532-4663 x14
Email: brendan@homeword.org
Post-Purchase Counseling
Homeword counsels those who need assistance with repairs, rehabilitation, refinancing, or financial problems. This includes helping assess your financial situation, identifying options and possible assistance programs, providing referrals, and working to prevent homeowners from becoming involved with predatory home equity lenders or home improvement scams, in addition to working with you early on to avoid a foreclosure crisis.
Contact Details
Name: Brendan Moles
Phone: (406) 532-4663 x14
Email: brendan@homeword.org
Mortgage Delinquency / Foreclosure Intervention / Loss Mitigation Counseling
Homeword offers intensive one-on-one assistance and advocacy for delinquent homeowners. The counselor assists you with budgeting and debt issues, determining the cause of the delinquency, identifying options for resolution, communicating with lenders on your behalf, advocating for appropriate workout or loss mitigation options, and assisting you in bringing the loan current or disposing of the property. The counselor also assists you with problems resulting from predatory lending and improper servicing by identifying potential lending and/or servicing violations, and working with the lender or servicer to remedy the situation. This program continues to serve a larger geographical area than the other services, which primarily serve Missoula County. This is due to the low number of foreclosure intervention/loss mitigation programs operating in Montana, and the large size of the state.
Contact Details
Name: Brendan Moles
Phone: (406) 532-4663 x14
Email: brendan@homeword.org
Sponsors
We rely on the generous support of our donors to fund our housing and financial counseling services, which we are able to provide at no cost to our clients!
