ClearPoint (formerly ByDesign Financial Solutions) is certified by the U.S. Department of Housing and Urban Development as a provider of comprehensive housing counseling services. 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 household budget, review your credit report, and help you to determine how much you can afford for a house payment. We will help you weigh 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.

In mortgage delinquency counseling, a certified housing counselor will thoroughly evaluate your personal financial situation and provide you advice on how to avoid default, foreclosure, or bankruptcy. Working together with you and your mortgage holder, our counselor will assist you in resolving your mortgage situation. We recognize that your home is your most important asset and we will provide you with our extensive experience and service excellence to assist you in regaining financial control.

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.

Call ClearPoint (formerly ByDesign Financial Solutions) at 877-422-9041 to set up a counseling session for any of these needs.