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Homebuyer Resources: HUD Approved Housing Counseling Agencies
The following list includes housing counseling agencies in the bay area that have either been approved by the Department of Housing and Urban Development (HUD), or have HUD approved housing counselors providing services. Services are provided free or at low cost. Services include: homebuyer education programs, pre-purchase counseling, post-purchase counseling, predatory lending education, loss mitigation, credit counseling, money-debt management, renters assistance, home equity conversion mortgage counseling, mortgage delinquency and default resolution counseling, and foreclosure prevention.
Completion of a first time homebuyer education course from a HUD approved housing counseling agency or counselor satisfies the homebuyer education requirement for the City's First Time Homebuyer Assistance Program and Below Market Rate Homeownership Program.
Pre-Purchase, In Person Workshops
- BALANCE (located in Concord)
Phone: 800-808-4327
website: https://www.balancepro.org/ - Tri-Valley Housing Opportunity Center (located in Livermore)
Phone: 925-373-3130
Website: https://www.publichousing.com/details/tri-valley_housing_opportunity_center_94550 - Project Sentinel (located in Fremont)
Phone: 888-331-3332; 510-574-2270
website: www.housing.org - Eden Counseling for Hope and Opportunity (ECHO) (located in Hayward and Livermore)
Phone: 925-449-7340 (Livermore); 510-581-9380 (Hayward)
website: www.echofairhousing.org - Neighborhood Assistance Corporation of America (NACA) (located in Oakland)
Phone: 510-652-6622
website: www.naca.com - Mission Economic Development Association (MEDA) (located in San Francisco)
Phone: 415-282-3334 x14
website: www.medasf.org - San Francisco Housing Development Corporation (located in San Francisco)
Phone: 415-822-1022 x112
website: www.sfhdc.org - Bay Area Affordable Homeownership Alliance
Website: http://www.myhomegateway.org/ - Community Housing Development Corporation (located in Richmond)
Phone: (510) 412-9290
Website: https://communityhdc.org/ - NID Housing Counseling Agency (located in Oakland)
Website: https://www.nidhousing.com - Richmond Neighborhood Housing Services (located in Richmond)
Website: https://www.richmondnhs.org/ - Visionary Home Builders of California (located in Stockton)
Phone: (209) 466-6811
Website: https://visionaryhomebuilders.org/ - City of Vacaville
Website: https://www.ci.vacaville.ca.us/home
Pre-Purchase Online Courses
- Framework Homeownership
- Alliance Credit Counseling
- Project Sentinel
- eHome America
- Fannie May
- Pathways to Homeownership
Home Financing
- California Housing Finance Agency (CalHFA)
- CalVet Home Loans
- Contra Costa County Mortgage Credit Certificates Program