Comprehensive Counseling

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The U.S. Economic Development Administration, which is a bureau of the US Department of Commerce, has an investment policy that is designed to establish a foundation for sustainable job growth and the building of durable regional economies throughout the United States. This foundation builds upon two key economic drivers - innovation and regional collaboration. HUD-counselors are used to provide case management and assist citizens to enter apprenticeships nationwide.

Culturally relevant financial capability and literacy counseling services are crucial for unlocking people’s economic potential. Individuals who are new to the US financial system and those who have limited English proficiency face barriers to conducting basic financial transactions, building a credit history, accumulating savings, and accessing credit, renting housing becoming  homeowners on fair and affordable terms while avoiding predatory practices

HEAT’s HUD-approved housing counselors will work with homeowners and tenants to avoid foreclosure  and eviction.  There are numerous federal, state, and local remedies, resources, and funding available to help at-risk homeowners and tenants facing foreclosure or eviction. The HEAT counselors play an  indispensable role in helping distressed homeowners and tenants navigate the complexities to access these programs, submit the necessary paperwork and advocate for them with landlords and mortgage companies.

Including student debt repayment

 HEAT, upon reaching HUD certification, will participate in the AmeriCorps Housing Counseling Corps Initiative. The AmeriCorps program places mission driven individuals with HUD-approved housing counseling in a nationwide deployment that has been a great success, connecting dedicated members with agencies across the country.

This initiative is helping to create a new generation of skilled professionals who are committed to helping individuals and families achieve housing stability and homeownership. HUD funding can be used to support the program.

 HEAT is committed to advancing advocacy and raising awareness among individuals and municipalities to address the underlying factors contributing to the decline of homeownership in local communities. Utilizing a comprehensive, data-driven approach and cutting-edge technology, HEAT will equip city and municipal leaders with critical insights to develop effective prevention strategies. Our efforts will focus on fostering increased homeownership, providing asset protection guidance, and offering counseling services designed to promote generational wealth, ultimately working to close the wealth gap and strengthen community prosperity.

Assistance to consumers to find grant programs.

Helps victims obtain assistance and programs that allow forbearance of mortgage and/or rental payments to mitigate the effects of natural disasters

A grievous national problem with an acute presence in urban areas affecting minorities who are occupying homes without legal title. Since their ancestors did not have the knowledge and/or means to create an state, it is one of the biggest factors in widening the current wealth gap which has expanded significantly with the recent rise of homeownership equity.