urbancentrixity® a center for homeownership education

UrbanCentrixity®

An Agency for Homeownership and Entrepreneurship Education & Counseling

WORKING TO BRIDGE THE WEALTH GAP

TOGETHER

“Change will not come if we wait for some other person or some other time. We are the ones we’ve been waiting for. We are the change that we seek.”

- BARACK OBAMA

-centricity / centrixity

cen·tric | \ ˈsen-trik \ an adjective

1: located in or at a center : CENTRAL

// a centric point

2: concentrated about or directed to a center

// a centric activity

-centric adjective combining form

3: having (such) a center or (such or so many) centers polycentric

4: having (something specified) as its center heliocentric

A City of Bowie, based nonprofit

501(c)(3) created to assist historically

underserved, economically

distressed, and urban communities

where investments, community

development, counseling, credit and

financial services have been

proportionally underrepresented.

UrbanCentrixity®

OUR MISSION

To take action against poverty by developing the social and economic assets of families and their communities working to stimulate growth and prosperity through achieving wealth equality by empowering community stakeholders to sow prosperity through focusing solely on closing the wealth gap.

UrbanCentrixity®

An Agency for Homeownership and Entrepreneurship Education & CounselingUC-HCU promotes the sustainable homeownership by supporting families, communities and municipalities. UC-HCU achieves thisthrough:

❖ Educational Classes ❖ Training Programs❖ Business Support Services❖ Other Tools & Resources

From homeownership to entrepreneur development UC-HCU will serve as a knowledge center to strengthen the relationship between individuals, families, the community and wealth accumulation.

UrbanCentrixity®

NETWORK ALLIANCEUC-HCA, is a new network affiliate of one of the Oldest and Largest HUD-Approved Housing Counseling Agencies in the Country. NID is the largest African-American HUD-approved National Intermediary of Housing Counseling and Education in the country.

With decades of experience in low-to-moderate income communities, particularly African-American and communities of color, their zeal and conscientiousness has been infused in their network counselors and agency staff.

NID is a leader among HUD-approved counseling agencies in providing client services, shaping housing policy, and knowing what our communities need when it comes to housing and wealth building. As a network affiliate, UC-HCA brings local experienced counselors to facilitate award-winning programs to advocate for and to eradicate homeownership issues that prevent the economic growth of a community.

UrbanCentrixity®

INDUSTRY AFFILIATIONS

UrbanCentrixity®

An Agency for Homeownership Education & Counseling

UC-HCU Services

UrbanCentrixity®

HUD Approved Counseling & Outreach Topics: Homeownership

✓ Pre-Purchase/Home Buying✓ Mortgage Default/Foreclosure Prevention ✓ Non-Delinquency Post-Purchase✓ Financial Management ✓ Rental & Tenant Education✓ Reverse Mortgage✓ Homeless Assistance✓ Business Back-Office Support

UrbanCentrixity®

HUD Approved Counseling & Outreach Topics: Finding Households

Developing relationships with agencies most likely to see very low-income Veteran households experiencing homelessness: ✓ Public assistance benefits offices ✓ VA programs✓ Churches, Temples, Mosques ✓ Hospitals and free clinics✓ Detox centers✓ Police✓ Homeless assistance programs✓ Drop-In centers✓ Hot meals programs and food shelves

UrbanCentrixity®

HUD Approved Counseling & Outreach Topics: (Cont.)

For outreach to Veteran families who are not already involved with community resources, identifing the locations where people experiencing homelessness camp:✓ Underpasses/Bridges✓ Abandoned buildings✓ Parking lots where homeless families sleep in their car

(Walmart, churches/temples/mosques)✓ Stand Down events

UrbanCentrixity®


UC-HCA Training - Overview

UrbanCentrixity®

UC-HCU Training - OverviewIn-

Person/ClassroomeLearning

eClassroom Express

Virtual Classroom

• UC-HCU TrainingFacility

• Multi-Course, Place-Based Trainings (PBTs)

• Stand-alone Training Events

• 13 Module-based eLearning Courses currently available

• Topics covering Foreclosure, FHA- Insured Loans, Mortgage Lendingand Rental Housing

• Discount codes available for HUD-Approved Agenciesstaff and NFMC Grantees

• 90 minute interactive sessions featuring expert faculty

• Downloadable coursematerials

• 1.5 hours of CEand completion certificate

• Faculty-led, interactive learning experience

• Weekly lessons

• Collaborate with instructors and peers while learning at your own pace

UrbanCentrixity®

UC-HCU Training - Overview

National Foreclosure Mitigation Counseling (NFMC)

Home Equity Conversion Mortgage (HECM)

• Trained in mortgage foreclosure and default mitigation counseling

• Trained and skilled in technical assistance to active and prospective HECM clients through NCHEC

• Counselors equipped with the information and tools needed to help consumers avoid foreclosure

• Utilize tools such as Forums, Find a Colleague, and Ask the Expert.

• Sessions offered at UC-HCUs, PBTs, Virtual Classroom, and eLearning

• Free webinars on HUD HECM Strategies

UrbanCentrixity®

UC-HCA Training - Overview

Over 50 courses covering topics in:

➢Housing Counseling Techniques

➢Credit Counseling ➢Client Management Systems

➢Financial Capability ➢Loan Servicingand Collection

➢Green Energy Efficiency

➢ForeclosureIntervention

➢Reverse Mortgages(HECM)

➢Homeownership Education

➢Mortgage Lending ➢Real Estate Owned (REO) Counseling

UrbanCentrixity®


UC-HCU What We Cover

UrbanCentrixity®

An Agency for Homeownership Education & Counseling✓Steps to Homeownership✓Owning vs renting✓Budgeting✓Assistance Programs✓Community Land Trusts✓Foreclosure Prevention and Early Delinquency Intervention✓Home Maintenance✓Consumer Protection Resources✓Community Resources for Further Counseling or Other Assistance.✓Fair Housing✓Predatory Lending✓How Going Green Saves You Money

UrbanCentrixity®


Community Land Trust

UrbanCentrixity®


Community land trusts provide lasting community assetsand shared equity homeownership opportunities forfamilies and communities. CLTs develop rural andurban agriculture projects, commercial spaces to servelocal communities, affordable rental and cooperativehousing projects, and conserve land or urban greenspaces. However, the heart of their work is the creationhomes that remain permanently affordable, providingsuccessful homeownership opportunities for generationsof lower income families.

What?

UrbanCentrixity®


Why?

UrbanCity®AHLT

UrbanCentrixity®


A typical community land trust iscontrolled by a nonprofit run by aboard, staff, and communitymembers. The community landtrust balances the interest of itsresidents, the broader community,and the public interest to promotewealth building, retention of publicresources, and solutions forcommunity needs.

Who?

UrbanCentrixity®

An Agency for Entrepreneurship Education & Counseling

UC-BCU What We Cover

UrbanCentrixity®

An Agency for Entrepreneurship Education & Counseling✓Steps to Business Ownership✓Banking & Finance ✓Shared Business Services❖ Accounting❖ Legal❖ Compliance❖ Business Development❖ Estimating❖ Certification Assistance❖ Community Resources for Further Counseling or Other Assistance

UrbanCentrixity®

An Agency for FinanceEducation & Counseling

UC-FCU What We Cover

UrbanCentrixity®

An Agency for FinancingEducation & Counseling

MISSION AND PURPOSE STATEMENTTo provide financial services and loan opportunities to enable our individual and business community to prosper financially

ORGANIZATION-WIDE STRATEGIESOur passion to inform, educate, and inspire people exploring the possibilities of education and careers within the workforce.

Creating opportunity for our customers to better their lives through wealth accumulation education.

UrbanCentrixity®

THE NATIONAL INDUSTRY STANDARDS

▪ The Advisory Council for the National Industry Standards led a collaborative effort of over 30 housing industry partners to develop the National Industry Standards

▪ The Standards were developed to provide a common industry roadmap for excellence

▪ The Standards ensure appropriate focus on professionalism, consistency and quality and help strengthen sustainable homeownership

▪ The Advisory Council drew upon a variety of sources including;

• Existing standards used by the U.S. Department of Housing and Urban Development (HUD)

• Local, regional, and national housing counseling organizations

UrbanCentrixity®

ADVISORY COUNCIL FOR THE NATIONALINDUSTRY STANDARDS

• Bank of America• CDC of Long Island• Chase• Chrysalis Consulting Group• Citi• Consumer Credit Counseling

Service of San Francisco• Consumer Financial Protection

Bureau• Fannie Mae• Federal Reserve Board• Freddie Mac

• The Housing Partnership Network• Minnesota Housing• Mortgage and Credit Center• National Association of

REALTORS®• National Council of La Raza

(NCLR)• NeighborWorks ® America• NeighborWorks® Montana• U.S. Department of HUD• Wells Fargo

UrbanCentrixity®

THE NATIONAL INDUSTRY STANDARDS TODAY

• Nearly 1,000 local housing counseling agencies have adopted the National Industry Standards

• Each state, including the District of Columbia and Puerto Rico, has at least one Adopter

• Over 2,000 counselors and educators work in housing counseling agencies that have adopted the Standards

• Nearly 40 national intermediaries and housing finance agencies endorse the Standards

• Key nationwide programs such as NFMC continue to require the grantees adhere to the Standards

UrbanCentrixity®

BY ADOPTING THE STANDARDS, UC-HCA WILL:

• Promote sustainable homeownership

• Create consistency in content delivery

• Encourage a high level of professionalism

• Gain the public’s trust

• Build recognition

• Elevate the industry’s reputation for quality and service delivery

• Promote organizational sustainability

• Ensure clients receive a consistent level of quality and ethical service

UrbanCentrixity®

An Agency for Homeownership and Entrepreneurship Education & Counseling

Now What?

Partner with Us

“In an era where self-promoting groups and individuals seek to use history as a wedge to separate, divide, and deprive, NID’s history shapes our present commitment toward equity, inclusion, and fair access to minority family and business wealth through homeownership. “

— Thom Holmes, Co-Founder, NID Housing

Thank you for choosing to partner with UrbanCentrixity®

WWW.U RBANC ENTRIXIT Y. ORG

P HONE : 2 40 -76 4 -4020

Questions?

urbancentrixity® a center for homeownership education

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