Disclosure to Client for HUD Housing Counseling Services
Justine PETERSEN provides the following HUD-approved, one-on-one housing counseling services:
- Pre-purchase counseling services;
- Mortgage default counseling—foreclosure prevention services.
Counseling Descriptions:
Pre-purchase Counseling - Clients receive comprehensive one-on-one counseling, which covers the entire homebuying process from beginning to end. Counselors assist their clients with creating a sustainable budget/spending plan for their current household situation, and a clear action plan is developed to achieve the overall goal of homeownership. Clients also learn about credit building opportunities.
Mortgage default counseling - Clients receive assistance working with their lender to prevent foreclosure. Clients also learn about legal and financial resources to prevent foreclosure.
Relationships with Industry Partners:
Justine PETERSEN has financial or exclusive relationships, or both, with specific industry partners, such as Realtors, Insurance Agents, Home Inspectors and Real Estate Attorneys. Our agency also works directly with entities such as US Bank, Simmons Bank, Commerce Bank, US Mortgage, Busey Bank, Cadence Bank, Guild Mortgage and more
No Client Obligation:
There is no obligation to receive, purchase, or use any product or service offered by this agency, or any services of its industry partners, in exchange for receiving HUD housing counseling services.
Alternatives:
As a condition of our services, and in alignment with meeting our counseling goals, and in compliance with HUD’s Housing Counseling Program requirements, we may provide information on alternative services, programs, and products available to you, if applicable and known by our staff.