Home Buyers Education (2.0 hours)

Second Chance Help Center, Inc. offers homebuyer education curriculum classes throughout the year.  All clients in the purchase assistance program through SCHC, Inc. participate in the education curriculum.  Below are course descriptions for each of the classes. 
 

Fundamentals of Second Chance Help Center, Inc. (1. hours)

You must first take a Fundamentals of Second Chance Help Center, Inc. class prior to scheduling a one on one appointment.

 Introduction to the Second Chance Help Center, Inc., The program staff will discuss programs available for first time home buyers and pit falls to avoid.  The instructor will review purchase assistance programs and qualifications.  You will learn about financial counseling, workshops and referrals.   If you wish to continue the Second Chance Help Center, Inc., Education Program curriculum you will have the opportunity to complete Second Chance Help Center, Inc., Education Program Curriculum application.

One On One Counseling Session (1 hours)

 This meeting is required as part of Second Chance Help Center, Inc., In take process.  Interested applicants meet with a Second Chance Help Center, Inc. Home loan specialist (HLS). 

 •  Applicants submit the application and all required documents. 

•  The HLS orders three-bureau credit report and determines credit standing. 

•  All documents are reviewed Affordability determined purchase assistance eligibility determined, and home buyer and credit action plans are created per the needs of the applicants.
 

Financial Road Mapping (1 hours)

 The objective of this class is to increase participants financial awareness so that they maybe better able to make sound financial decisions particularly regarding the have purchase this course covers the following topics:

•  Developing a budget

•  Budgeting tips

•  Warning signs of financial imbalance

•  Identification of financial risk

•  Estate planning
 

Predatory Lending Tactics (1/2 hours)

 Predatory lending has become shorthand for describing a variety of practices that disadvantageous to borrower the topics of this course includes

 •  Identification of predatory tactics of possible predators

•  How predatory tactics work

•  Payday Loans

•  Credit Cards

•  Home Equity Loans

•  Car loans and where to go for help
 

Housing Counseling (1 hours)

 Since 1999 Second Chance Help Center, Inc. has provided professional housing counseling services to Jacksonville, FL.  low income residents topics of this course includes:

 •  Information on the home purchasing process including the rights and responsibilities of home ownership.

•  Analysis of employment income, cash, credit and debts in accordance with lender underwriting criteria

•  Determine special mortgage and assistance programs based on client eligibility.

•  Review, assist and provide advice on sale agreements and loan documents.

•  Assist in resolving credit problems

•  Represent and assist client throughout the process of purchasing, mortgage application, financing alternatives, including housing inspections.

Mortgage Default & Delinquency (1/2 hours)

Second Chance Help Center, Inc. provides counseling and a course on mortgage default and delinquency.  Topics of this course includes:

 •  Direct dialogue and developing of a plan for reinstatement by lender, based on an assessment of the problem.

•  Modifying mortgage loan documents.

•  Negotiating forbearance agreements.

•  Reinforcement of rights and responsibilities of homeowners including money management.

•  Assisting in the stay of foreclosure pending application to FHA, PHFA Emergency Assisting and other mortgage relief programs.

•  Assisting in voluntary conveyances and obtaining alternative housing.

Tenant Counseling (1/2 hours)

Second Chance Help Center, Inc. own and manage its on apartments and provides services to families or individuals experiencing rental delinquency to help reduce and/or avoid eviction.  Approach to providing assistance in tenant counseling is similar to mortgage counseling considering the rules and guidelines cover by the tenant landlord relationship this course includes:
 

Tenant Pre-Occupancy (1/2 hours)

 •  Housing selection assistance.

•  Review of financial status and advice on money management.

•  Provide comprehensive pre-occupancy counseling in Fair Housing Laws and lease agreements.
 

Tenant Post-Occupancy (1/2 hours)

 •  Provide and initial assessment in determining the cause of any problems.

•  Development of financial plans for reinstatement as part of negotiating for agreements.

•  Advice on rights and responsibilities; landlord tenant laws; eviction procedures; deposit for escrow funds and anti-lockout laws.

•  Assist in the re-certification process for subsidies.

•  Assist tenants in obtaining alternative housing to prevent displacement and homelessness provide comprehensive post occupancy counseling in Fair Housing Laws, money management, grievance procedures, tenant rights and responsibilities and lease agreements.
 

Home Inspection Counseling (1/2 hours)

 Second Chance Help Center, Inc. Provides Services that include reviewing the Home inspection report with the client and providing general information on the preparation of the proposal for repairs, which the client presents to the seller and/or agent this course includes:

 •  Explaining the importance of a Home Inspection.

•  Ordering Home Inspection.

•  Reviewing inspection report with client.

•  Assisting client with preparing proposal letter to seller.

•  Ordering final home inspection before closing.
 

Post Occupancy counseling (1/2 hours)

 Second Chance Help Center, Inc. Post-Purchase Counseling includes:

 •  Provide post-occupancy counseling designed to avoid mortgage default, teach  homeownership responsibilities, money management and home maintenance.

•  Assist qualified low-income families in obtaining settlement assistance.

•  Establish lines of communication with lenders and families for loan monitoring to provide further assistance in case of delinquency or other related loan problems.

•  Budgeting

•  Housing care and management

•  Availability of grants or loans for which client may be eligible.

 Assistance with the following problems is also provided:

 •  Change in income (loss of employment)

•  Utility delinquency

•  Home maintenance emergencies

•  Strained relationship with lending institutions

•  Mortgage default and delinquency counseling
 

Home, Neighborhood and Community Maintenance (1/2 Hour)

 This course’s objective is to provide attendees with valuable information regarding the maintenance responsibilities of home ownership.

 Topics includes:

 •  Overview of the systems that make up your home.

•  Handling home emergencies.

•  Preserving the long terms value of your home.

•  Seasonal maintenance tips.

•  Maintenance resources for the new homeowner.
 

Case Management

Second Chance Help Center, Inc. maintains its files and records in a confidential manner in accordance to HUD approved guidelines specific requirements includes:

 •  Preliminary Intake Sheet-Collects all demographic information and a brief problem statement.  The form also provides for case type, assigned counselors name and referral information.

•  Case Management Form- An interview sheet that identifies clients’ problems and  objectives, counselor objectives and action plan.
 

Client Authorization Form- This form authorizes Second Chance Help Center, Inc. to present the client and provides for the confidentiality of the case file and use of  information.        

•  Activity Log- This form is used for recording on-going activity between Agency, client and  narrative notes.

•  All case files are maintained in individual folders and kept in secure filing cabinets.

•  Computerized File System- Second Chance Help Center, Inc. will use a data file program for the recording of all case files.  The system allows for demographic reporting, case identification and generation of statistical data.

 The Core Curriculum, FHA Homebuyer Education Learning Program (HELP).

For more information, write or call Second Chance Help Center, Inc. Housing Counseling Program at 1709 Helena Street, Jacksonville, Florida 32208, (904) 765-6336 e-mail SCHCINC2@aol.com.