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#1868360 - 11/05/13 03:53 PM
Re: Homeownership Counseling Organizations - List
Ninky
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Gold Star
Joined: Nov 2011
Posts: 378
Texas ...
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I just went to the HUD website, searched the State I'm in and found the cities close to us that provide counseling. I took that info, and just put it on a word document with a footer that has the Date I got the info and another footer with the spefic website address so I can remember for next time.
If they have any model forms, I wasn't aware.
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#1868685 - 11/05/13 11:26 PM
Re: Homeownership Counseling Organizations - List
Ninky
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10K Club
Joined: Jul 2001
Posts: 84,326
Galveston, TX
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I think I would stay turned as the portal is probably going to show up at the last moment. Hopefully it will work better than another recently publicized Federal portal While the Bureau understands the concerns raised by commenters about the burden of generating zipcode based lists for potential borrowers, the Bureau notes that the statutory requirement indicates that the list should be comprised of counselors “located in the area of the lender.” The Bureau is interpreting this requirement to mean the location of the applicant who is being served by the lender. The Bureau continues to believe that a list of counseling resources available near the applicant’s location will be most useful to the applicant. The Bureau also believes that permitting lists to be generated based on larger geographic areas, such as an applicant’s state, would frequently result in an applicant receiving a list that is overwhelmingly lengthy. The Bureau is finalizing § 1024.20(a)(1) to require that the list contain only counseling organizations, pursuant to the same exemption authority, and anticipates that the website portal it develops may generate lists that include counseling organizations that are either certified or otherwise approved by HUD. Because the website portal will automatically create lists that include the relevant homeownership counseling organizations, the Bureau is not finalizing proposed § 1024.20(a)(2).
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The opinions expressed here should not be construed to be those of my employer: PPDocs.com
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#1868850 - 11/06/13 04:00 PM
Re: Homeownership Counseling Organizations - List
Ninky
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Platinum Poster
Joined: Mar 2012
Posts: 574
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It is my understanding that no PMI companies are approved to do the counseling. I know they are trying to get approved, but so far HUD and CFPB have resisted those requests.
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#1869947 - 11/08/13 08:46 PM
Re: Homeownership Counseling Organizations - List
Ninky
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Gold Star
Joined: Nov 2011
Posts: 378
Texas ...
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#1869949 - 11/08/13 08:48 PM
Re: Homeownership Counseling Organizations - List
jlroberts
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Gold Star
Joined: Nov 2011
Posts: 378
Texas ...
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Are you listing all the agenicies in your area? There are about 35 in our area, do I have to list them all. We are also going to include MGIC on our list. Fortunately for us, there aren't a lot to post but the bulletin that just came out says you need at least 10. When I put our southernmost zipcode in the portal, it actually gave me a choice of Homeownership Counselors from up to 100 miles away. (I'm sure those borrowers are just going to LOVE that.)
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#1869955 - 11/08/13 08:50 PM
Re: Homeownership Counseling Organizations - List
Ninky
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10K Club
Joined: Jul 2001
Posts: 84,326
Galveston, TX
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Cool. The nearest one to my town is 40 miles away.
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#1870065 - 11/08/13 11:58 PM
Re: Homeownership Counseling Organizations - List
Ninky
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Platinum Poster
Joined: Mar 2011
Posts: 503
Northern California
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Is it just me, or does this "tool" look like it's going to be really unweildy in practice?
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#1870068 - 11/09/13 01:57 PM
Re: Homeownership Counseling Organizations - List
Ninky
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10K Club
Joined: Jul 2001
Posts: 84,326
Galveston, TX
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What, you thought you would be able to plug in a zipcode and print off a one page document to hand to the customer????
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#1870262 - 11/12/13 05:00 PM
Re: Homeownership Counseling Organizations - List
Ninky
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10K Club
Joined: Oct 2000
Posts: 40,086
Cape Cod
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Plug in 96799, the ZIP Code for Pago Pago, American Samoa (where Regs X and Z apply). The tool will list ten organizations in southernmost Texas, which is over 5,000 air miles from American Samoa. In reality, the closest organizations to AS are in Honolulu, which is about 2,600 miles away. Apparently, the tool doesn't handle well distances more than 999 miles. The Texas locations show up as being about 600 miles from Pago Pago.
The distances used in the tool (other than those misrepresented because they are 1,000 or more miles away) appear to be air miles, which can be misleading, too, since road mileage is often considerably more.
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#1870392 - 11/12/13 08:00 PM
Re: Homeownership Counseling Organizations - List
Ninky
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Diamond Poster
Joined: Jan 2010
Posts: 1,028
Utopia
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When you print from the PDF there is no date? Is anyone else seeing that? How do we prove the most recent one was printed and given?
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#1870394 - 11/12/13 08:04 PM
Re: Homeownership Counseling Organizations - List
rlcarey
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Platinum Poster
Joined: Mar 2011
Posts: 503
Northern California
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What, you thought you would be able to plug in a zipcode and print off a one page document to hand to the customer???? Yea, I can be kinda silly like that...sigh...
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#1870397 - 11/12/13 08:10 PM
Re: Homeownership Counseling Organizations - List
Ninky
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Power Poster
Joined: Oct 2009
Posts: 9,232
OK
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What am i missing? Why can't you just print it off? I entered our zip and got the 10 closest ones to us...i was hoping it would be as simple as printing that off at time of application.
Last edited by raitchjay; 11/12/13 08:10 PM.
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#1870419 - 11/12/13 08:37 PM
Re: Homeownership Counseling Organizations - List
Ninky
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Diamond Poster
Joined: Jan 2010
Posts: 1,028
Utopia
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I can print, however there is no date in the footer, burden of proof!
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#1870478 - 11/12/13 10:38 PM
Re: Homeownership Counseling Organizations - List
Ninky
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Power Poster
Joined: Oct 2009
Posts: 9,232
OK
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Anybody else getting a "this file cannot be saved" warning if you try to save the tool to your desktop?
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#1870482 - 11/12/13 10:44 PM
Re: Homeownership Counseling Organizations - List
Ninky
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10K Club
Joined: Jul 2001
Posts: 84,326
Galveston, TX
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Sorry, what do you mean save the tool to your desktop?
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#1870484 - 11/12/13 10:45 PM
Re: Homeownership Counseling Organizations - List
Soccer
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10K Club
Joined: Jul 2001
Posts: 84,326
Galveston, TX
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I can print, however there is no date in the footer, burden of proof! Save the pdf file and the file will have the "created" date.
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#1870485 - 11/12/13 10:47 PM
Re: Homeownership Counseling Organizations - List
Ninky
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Power Poster
Joined: Oct 2009
Posts: 9,232
OK
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I'm trying to save that particular webpage (that has the tool on it) to my desktop (i guess it's really to a network drive....i'm not very computer savvy).
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#1870492 - 11/12/13 10:55 PM
Re: Homeownership Counseling Organizations - List
Ninky
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Power Poster
Joined: Oct 2009
Posts: 9,232
OK
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Yes, Kathleen....i'd rather be able to email that or something to my processors than put in "go to www.cfpb.gov (etc.etc.)".
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