Housing Help & Guidance
Frequently Asked Questions
Find quick answers about housing counseling, fair housing, documents, appointments, and how HOND can help.
Common Questions
These answers are intended to help you get started. If you need personal assistance, please contact HOND directly.
Do I need an appointment to speak with a housing counselor?
Yes. Scheduling an appointment helps ensure a housing counselor is available to review your situation and provide the right guidance.
What documents should I prepare before counseling?
Documents may vary based on your situation, but helpful items often include income information, bank statements, mortgage or rental documents, credit information, and any notices or letters you have received.
Can HOND help me if I am behind on my mortgage?
Yes. HOND provides mortgage default and foreclosure prevention counseling to help homeowners understand their options and communicate with lenders or servicers.
Can HOND help first-time homebuyers?
Yes. HOND helps first-time homebuyers understand readiness, budgeting, credit, documentation, and the homebuying process.
What is fair housing?
Fair housing means people have the right to seek housing without discrimination based on protected characteristics under federal, state, or local law.
What should I do if I believe I experienced housing discrimination?
You should contact HOND so your concern can be reviewed. A staff member can help explain fair housing protections and possible next steps.
Can I submit documents online?
Yes. HOND offers a secure upload option for submitting documents electronically.
Does HOND provide legal representation?
HOND can provide housing counseling, education, advocacy, and referrals, but does not replace legal advice or legal representation.
Still Have Questions?
Contact HOND for help understanding your housing options, rights, or next steps.
Contact HOND