ByDesign™ is a Department of Housing and Urban Development (HUD)-approved comprehensive housing counseling agency. Our certified counselors are available in-person, on the phone, and via the Internet to provide counseling on a number of different housing-related topics.

In home pre-purchase counseling, our counselor will review your family budget, review your credit report, and help you to determine how much you can afford for a house payment. We will review financing options and down payment assistance options, as well as review the overall home buying process. For more information on home pre-purchase education, please click here.

Our default and foreclosure counseling will help you when you are behind on your mortgage and need to know your options for keeping your home. Click here for more information on crisis counseling to save your home.

Seniors who wish to tap into the equity in their homes without selling it will benefit from our reverse mortgage counseling. Our AARP and HECM (home equity conversion mortgage) counselors will review the financial impact of the loan, the cost of the loan, and potential alternative solutions. Click here for more information on our reverse mortgage counseling.