For Home Owners

Buying a home is just the beginning. Whether you're facing financial hardship, exploring your options, or planning for the future, AHCOPA is here to help you protect what you've worked so hard to achieve. Our HUD-certified counselors provide free, unbiased guidance for homeowners at every stage.

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How we can help

Maintain your home and finances with confidence.

Refinancing

Thinking about refinancing? Before you commit, it's worth talking to a housing counselor. We'll help you understand whether refinancing makes sense for your situation and what to watch out for.

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Reverse Mortgage Counseling

If you're 62 or older and considering a reverse mortgage, HUD requires you to meet with a certified counselor first — and for good reason. We'll make sure you fully understand the mortgage terms and available alternatives before you sign anything.

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Get Foreclosure Help

If you're behind on your mortgage or real estate taxes, don't wait. Our certified foreclosure prevention counselors will review your situation, explain your options, and advocate on your behalf — including attending conciliation hearings at City Hall. The sooner you reach out, the more options you have.

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Post-Purchase Counseling

After purchasing your first home, schedule a follow-up meeting with your counselor to learn more about taxes, escrow, equity, and any other questions you may have. We’re here to support you long-term!

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Estate Planning

For many families, a home is their most significant financial asset — and the foundation of generational wealth. Without a will, that asset can get tied up in a legal process that's costly, time-consuming, and sometimes results in families losing property they've owned for decades.

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Two people standing outside an office entrance.

Without Fernando, I probably would have given up. I would have never had the information I needed to save my home if he wasn’t there to guide me through.

– Jamilla