For a homeowner receiving either non-default post-purchase counseling, or mortgage delinquency counseling, must the agency address the decision to purchase a home and the selection and purchase of a home?
Date Published: December 2016
The agency must be prepared to address any and all of the homeownership topics. However, the agency need not address topics that the housing counselor determines are not relevant to the client's individual needs and circumstances, unless the client has requested it.
For example, a counselor should determine if other options are relevant to a specific client, such as purchasing a more affordable home to reduce housing costs. If this option might address the client's housing need or problem, the agency must address the decision to purchase a home and the selection and purchase of a home. However, if purchasing another home does not address the client's housing need or problem, it may not be necessary to address the decision to purchase a home since purchasing a different home is not relevant for them.