Family and Financial Planning Education

Financial Literacy Program

The goal of this program is to assist our target population in accessing a variety of financial institutions and using them in a way that promotes healthy growth and development of their financial position. This program seeks to educate participants in all levels of financial decision making. The Financial Literacy program uses its classes as a gateway into home ownership. This program also includes Credit and Debt Management Counseling & Workshops, as well as Identity Theft Training.

First-Time Home Buyer Training

The League provides one-on-one assistance to individuals with questions about home ownership. First-time home buyer workshops are held quarterly in conjunction with local realtors.

Each quarter, ULSDC conducts a workshop for approximately 20 to 25 people. On average, this department speaks with home owners to answer ownership questions. This program has approximately a 90% graduation/completion rate. Eighty percent of participants have very little knowledge of the financial industry. Upon completion of this course, 100% of the participants have shown substantial improvement in their knowledge.

Energy Star Information and Products

We provide a number of Energy Star Presentations and education materials. At least one out of five clients purchases Energy Star products after reviewing the materials.

Foreclosure Prevention Services

A partnership with the Housing Opportunities Collaborative provides monthly home clinics throughout San Diego County. ULSDC acts as one of the housing counselors within the collaborative. In addition to basic information and education, foreclosure information is also provided to local faith-based groups to insert into their weekly bulletins.

National Foreclosure Mitigation Counseling Program

As a partnership with the National Urban League, NeighborWorks, and HUD, the Urban League of San Diego provides counseling opportunities to families facing delinquency and foreclosure. Trained counselors are responsible for providing comprehensive housing counseling services focusing on the areas of pre-purchase, foreclosure prevention, predatory lending, credit counseling, money management, and financial literacy. The goal is to keep homeowners in their homes and providing safe access to counselors who will help create written action plans and assist communicating with lenders.

http://www.youtube.com/watch?v=K_Azm2vmfoE

To learn more about housing programs and services delivered by the Urban League contact our offices at 619.266.6251 or 619.266.6237.

All clients seeking foreclosure counseling should bring copies of the following information your appointment:

Urban League Forms (the Urban League Intake Specialist will send you the forms to complete)

• Urban League Intake Form

• Borrower Signature of Authorization

• Workable Solutions/Budget Form

• Counseling Agreement (Interview Date)

• Counselee Action Plan (Obtain at Interview)

• Foreclosure Agreement

Loan Information

• Deed of Trust or Note

• Most Recent Mortgage Statement (need this!!)

• Any Correspondence from Lender, Service, Trustee or Attorney

• Property Tax Bill, Home Insurance Bill and Homeowners Association Bill

• Utility bills for water, gas & electric, trash

Income Information

• 2 Months Pay Stubs / Proof of Income

• Proof of Additional Income

• 2 Months of Complete Bank Statements (Checking and/or Savings)

• Year to Date Profit and Loss Statement (If self employed)

Hardship Information

• Hardship Letter (ask for a sample be emailed to you)

• Modification Agreement (This will come later after interview)

  
  

  The Urban League of San Diego County in partnership with Chase Bank

  assist Imperial Valley dwellers stay in their homes.