Housing Counseling Research and Studies

This page provides recent research evidence on the role of housing counseling to improve housing outcomes for homebuyers, homeowners, and renters.

View archived research and studies.


Housing Counseling

Housing Counseling Works

This paper briefly summarizes recent research evidence on the role of housing counseling to improve housing outcomes for homebuyers, homeowners, and renters.

Date Published: September 2017

The First-Time Homebuyer Education and Counseling Demonstration

HUD designed The First-Time Homebuyer Education and Counseling Demonstration as a large-scale randomized experiment to answer the question about the relative efficacy of homebuyer education and counseling on first-time borrowers. This Baseline Report demonstrates that HUD has successfully implemented the first large-scale national experiment of homebuyer education and counseling.

Date Published: January 2017

NeighborWorks America's Homeownership Education and Counseling: Who Receives It and Is It Effective?

This report by the Urban Institute answers three important questions about NeighborWorks America’s homeownership education and counseling program: Who uses the program, where could the program be of greatest use, and how effective is the program in improving loan performance?

Date Published: September 2016

Commentary: How Housing Counseling, Financial Education, and Consumer Guardrails Can Support Responsible Borrowers

As part of Cityscape’s “Borrower Beware” research symposium, Sarah Gerecke discusses the role of consumer protections in the credit marketplace and notes important insights and policy implications offered by two of the symposium articles.

Date Published: August 2016

The Edge: Initial Findings of the First-Time Homebuyer Education and Counseling Demonstration

This article from The Edge summarizes The First-Time Homebuyer Education and Counseling Demonstration: Early Insights report.

Date Published: July 2016

The First-Time Homebuyer Education and Counseling Demonstration: Early Insights

This report demonstrates that HUD has successfully implemented the first large-scale national experiment of homebuyer education and counseling that promises to become a foundational source of evidence for policymakers, lenders, and housing counseling practitioners and advocates regarding the impacts of homebuyer education and counseling.

Date Published: June 2016

HUD First-Time Homebuyer Study

The HUD First-Time Homebuyer Study is sponsored by the U.S. Department of Housing and Urban Development (HUD). To conduct the study, HUD hired a study team that includes Abt Associates, Abt SRBI, and their subcontractors. HUD is interested in learning more about the kinds of information first-time homebuyers find helpful as they navigate the path to successful homeownership.

Date Published: 2016

Housing Counseling Works

This paper briefly summarizes recent research evidence on the role of housing counseling to improve housing outcomes for homebuyers, homeowners, and renters.

Date Published: June 2016

Housing Counseling Literature Review

This paper briefly summarizes recent research evidence on the role of housing counseling to improve housing outcomes for homebuyers, homeowners, and renters.

Date Published: May 2016

The Evidence on Homeownership Education and Counseling

This articles provides a description of homeownership education and counseling and evidence that the programs work.

Date Published: Spring 2016

Pre-Purchase Counseling Impacts on Mortgage Performance: Empirical Analysis of NeighborWorks® America’s Experience

This report contains highlights from NeighborWorks America third annual national housing survey.  Aspirations of homeownership remain strong, with 87 percent of adults saying that homeownership is an “important” part of the American Dream, but an increasing percentage of consumers with student loan debt worry about their homeownership future, and a large percentage of consumers say that the mortgage process as complicated.  

Date Published: October 2015

Summary of Recent Research: Housing Counseling Works - Sustainable Homeownership

The document contains a brief summary of the research evidence on the role of housing counseling in reducing mortgage delinquency and foreclosure and on helping first-time buyers access and sustain homeownership.

Date Published: December 2014

The Benefits of Pre-Purchase Homeownership Counseling (FreddieMac)

This paper provides an empirical assessment of the effectiveness of pre-purchase homeownership counseling in reducing 90-day delinquency rates. We use data on nearly 38,000 fixed-rate, purchase money mortgages originated under Freddie Mac’s affordable lending programs between the years 2000 and 2008. We take efforts to control for the quasi experimental nature of our data, as well as the heterogeneous experience of borrowers post origination.

Date Published: April 2013


National Foreclosure Mitigation Counseling

National Foreclosure Mitigation Counseling (NFMC) Program Evaluation

This report summarizesNational Foreclosure Mitigation Counseling (NFMC) Program activity. The report covers counseling activity reported by program grantees and counselor training provided by NeighborWorks between March 1, 2008 and July 31, 2015.

Date Published: May 2016


Nationwide Housing Data

State of the Nation’s Housing

This report, released annually by the Joint Center for Housing Studies, provides a periodic assessment of the nation’s housing outlook and summarizes important trends in the economics and demographics of housing.

Date Published: June 2016

HUD Data Sets

This page provides location information for housing counseling agencies and Section 3 businesses.

Date Published: Ongoing


Other

Guiding Principles for the Future of Loss Mitigation

This white paper has been prepared by the U.S. Department of the Treasury (Treasury) in conjunction with the U.S. Department of Housing and Urban Development (HUD) and the Federal Housing Finance Agency (FHFA)—together the Agencies—to continue the collaborative efforts of the past seven years to stabilize the housing market and help struggling homeowners recover from the financial crisis.

Date Published: July 2016

NFCC – Sharpen Your Financial Focus Impact Study

The Sharpen Your Financial Focus (Sharpen) initiative of the National Foundation for Credit Counseling (NFCC) help consumers identify and resolve immediate financial concerns, gain a deeper understanding of financial literacy and debt management, and move toward long-term financial stability. To measure the extent of its impact, an independent, scientifically based evaluation was conducted by researchers at The Ohio State University.

Date Published: April 2016