Facilitates access to Federal Housing Administration (FHA) loans by maintaining an online directory of approved private lenders. The directory covers various loan types such as property improvement, single-family and multi-family home mortgages, reverse mortgages (HECM), and rehabilitation (203k). Users can search for specific lenders or explore a list of lenders available in their area.

Assists seniors, adults with disabilities, and caregivers by providing information, application assistance, and referrals on a wide range of topics including adult day care, benefits eligibility, health issues, housing, legal services, transportation, and wellness programs, among others.

Assists families or individuals in maintaining shelter and a stable environment. Services include financial literacy seminars; pre-purchase, reverse mortgage, mortgage default and delinquency, and foreclosure counseling; and consumer credit and budget management.

Assists families or individuals in maintaining shelter and a stable environment. Services include financial literacy seminars; pre-purchase, reverse mortgage, mortgage default and delinquency, and foreclosure counseling; and consumer credit and budget management.

Helps seniors evaluate the option of reverse mortgages and provide additional resources in the community to meet their needs.

Assists seniors intending to apply for a Reverse Mortgage are required to be counseled before applying for the loan. SCUCS provides the counseling portion of this process only. Counseling is done by a HUD Certified Counselor. This type of mortgage provides seniors with a line of credit or a monthly income based on the amount of equity in their home. A counseling session is required for anyone applying for a Reverse Mortgage.Family members are encouraged to attend the counseling session.

Accessing the HUD Approved Housing Counseling Agency Directory allows individuals to find HUD-approved housing counseling agencies offering various counseling and workshops, such as mortgage delinquency and default counseling, financial management, budgeting, and credit counseling. It also includes home improvement and rehabilitation counseling, predatory lending education, pre-purchase homebuyer education, rental housing counseling, and reverse mortgage counseling. Users can search for agencies by name, city, zip code, language, and type of counseling service provided.

Enables Bergen County seniors, ages 62 and older, to meet with a certified counselor trained by the Agency for Housing and Urban Development (HUD), who can advise them on ways to access their home equity so they can remain at home and age-in-place.

Offers one-on-one reverse mortgage counseling for older adults, ages 62 and older, who have substantial equity with their home. The agency helps clients understand the payment options, costs, tax implications, beneftis, and drawbacks of applying for a reverse mortgage.