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Working Together to Provide Solutions - Bank of America
Discover how Bank of America’s Community Homeownership Commitment’s programs and resources support first time homebuyers and modest income families on the path to homeownership.
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Unveiling Challenges in Fair Lending: Navigating the 2025 Landscape
This engaging 90-minute webinar is designed to equip housing counselors with essential knowledge and practical tools to navigate the evolving landscape of fair lending in 2025. Join us for an in-depth look at key regulatory changes, common discriminatory lending practices, and actionable strategies to better support clients in the homebuying process.Key topics include:Gain insight into the recent updates to the Truth in Lending Act (TILA) and its impact on borrower protections.Understand the Equal Credit Opportunity Act (ECOA) and how to identify and address violations such as redlining and appraisal bias.Explore tools like Reconsideration of Value (ROV) and CFPB complaint filing processes to advocate for clients effectively.Learn about Special Purpose Credit Programs (SPCPs) and how to help clients access race-neutral lending opportunities.Dive into TRID requirements, including Loan Estimates and Closing Disclosures, and how to spot red flags.
Strategic Planning for HECM: Insights for Housing Counseling Workplans, Part Two
Is your agency updating or revamping its Housing Counseling Work Plan?If you're considering adding a HECM Counseling program, join us to explore HUD requirements and evaluate whether this program aligns with your agency's goals. Gain insights to better serve senior residents and enhance your housing counseling offerings.For over two decades, the number of older households facing financial burdens has been steadily rising. In Part Two of this course, we will build on the insights from our previous session and dive deeper into how your agency can enhance its services for senior residents seeking financial guidance.HECM-related questions frequently arise during housing counseling sessions—how is your agency addressing these inquiries? If you’re considering adding a HECM Counseling program, join us to further explore HUD requirements, evaluate program alignment with your agency’s goals, and refine strategies to better support senior residents.
Reverse Mortgage Basics for Housing Counselors
This interactive webinar introduces housing counselors to reverse mortgages with a focus on the FHA Home Equity Conversion Mortgage (HECM) program. Participants will gain a clear understanding of the history of the program, eligibility requirements, and loan features. We will explore both the benefits and the risks of reverse mortgage loans and provide practical tools and strategies to help you guide your clients to make informed financial decisions. This webinar is designed for both new and experienced housing counselors who want to strengthen their knowledge of reverse mortgages as a tool to support older homeowners. By the end of the session, participants will be better prepared to explain program details, evaluate client eligibility, and assist homeowners who may want to explore this option.
Strategic Planning for HECM: Insights for Housing Counseling Workplans, Part One
Is your agency updating or revamping its Housing Counseling Work Plan?For over two decades, the number of older households facing financial burdens has been steadily rising. What services does your agency provide to improve the quality of life for senior residents seeking financial guidance? Questions about HECMs often arise during housing counseling sessions—how is your agency addressing these inquiries?If you're considering adding a HECM Counseling program, join us to explore HUD requirements and evaluate whether this program aligns with your agency's goals. Gain insights to better serve senior residents and enhance your housing counseling offerings.
Safety First: 8 Must-Know Tips for Agency Operations
This quick-hit session covers 8 essential safety practices every agency should have in place—from office security protocols to risk awareness—so you can operate with greater confidence, care, and preparedness.Protect your clients, your team, and yourself with this essential safety session designed for housing counseling and community service professionals. Whether you're working in the office, in the field, or delivering virtual services, having strong safety practices in place is critical to doing your work with confidence and care.What You’ll Learn:Key strategies to support physical, emotional, and digital safety in your daily workPractical steps for creating safer spaces for both clients and staffTools to help your team navigate risk, boundaries, and high-stress situationsFoundational practices that promote preparedness, wellness, and resilienceThis course is ideal for counselors, case managers, supervisors, and anyone working on the front lines of housing and community support. Walk away with actionable insights to strengthen your agency’s safety culture and operate with greater peace of mind.
Untangling Heirs’ Property: Practical Strategies for Housing Practitioners
Heirs’ property continues to be a significant barrier to generational wealth and housing stability, particularly in communities of color and rural areas. This webinar will bring together researchers and practitioners to explore the complexities of heirs’ property and strategies for supporting families affected by it. Panelists will include representatives from the Housing Assistance Council (HAC), sharing recent research on heirs’ property, and Affordable Homes of South Texas, a housing counseling agency actively helping families navigate these challenges. Participants will leave with a deeper understanding of heirs’ property issues and practical tools for assisting clients.
La Estructura Básica de la Consejeria de Vivienda (Nuts & Bolts)
BIPOC, Minorities, Money & Mental Health Part I: Wealth and Mental Health
In the first webinar, we will discuss the disparities minorities experience due to lack of access to financial and mental health services, the racial wealth divide that have been created by systems of inequity and the multifaceted approach that is necessary to create mental and financial wellness for the minority population. You will learn:Barriers faced by minorities in pursuing mental health careThe impact of mental health on wealth and homeownershipSystems and biases which contribute to poor mental healthStrategies to assist your client in managing their mental health and remaining focused on their goals
Building Nonprofits Organizational Resilience - Part II: Assessing & Managing Risk in the New Normal
Most nonprofit leaders probably discovered that COVID-19 gave the phrase “managing risk” a much different meaning. More than ever before, leaders understand that managing risk is more involved than securing a liability insurance policy and creating a handbook. Understanding that risks vary for each nonprofit based on their location and activities; sustainable best practices to risk management differ and require teamwork from managers, staff and board members. What are some risks that nonprofits need to think about? Did COVID restructure your resources, services or the way the agency delivers services? What tools are available to help leaders identify, assess and prevent unnecessary risks to their organizations? In this webinar we will learn about types of risk that could negatively impact organizations, how to perform an assessment to determine risk, and how to address risk. We will also explore tools that will help organizational leadership assess risk and review current coverages that may need to be increased.You will learn different types of risk including:Governance Risks – How to effectively work with the board to ensure members are effectively overseeing the organization and making reasonable decisions that are in the best interest of the agency.Financial Risks – How to determine if current financial procedures ensure accurate accounting and prevent fraud.Regulatory Compliance and Legal Risks – Does leadership ensure that procedures including human resources, donations, grants, adhere to applicable laws and regulations?Goodwill and Reputation Risks – What steps can organizations take to avoid risks that will damage the reputation of the organization? Will this affect our ability to carry out our mission?
Navigating Credit Part I: Basics to Credit Report
As consumers continue to struggle when understanding the complexity of a credit report while weighing financial options. Housing counselors become a reliable source for families and individuals to assist in obtaining, explaining and designing a strategy to help the consumer improve, establish or re-establish credit.You will learn:How to read comprehend and explain the content of a credit reportHow to address negative information in the credit reportHow to design a sustainable strategy to improve, establish or re-establish an individual’s credit profile
Navigating Credit Part II: Understanding and Dealing with Credit Scams
As consumers continue to struggle when understanding the complexity of a credit report while weighing financial options. Housing counselors become a reliable source for families and individuals to assist in obtaining, assistance on how to address current credit scams.You will learn:How to recognize credit scamsHow to address negative information in the credit report due to a scamHow to design a sustainable strategy to improve, establish or re-establish an individual’s credit profile and recover after been victim of a scam
Navigating Credit Part III: How to Protect a Consumer’s Credit Report from Scams
Navigating Credit Part III: How to Protect a Consumer’s Credit Report from ScamsRecorded on January 24, 2023Instructor: Gerardo RaveloDescription:As consumers continue to struggle when understanding the complexity of a credit report while weighing financial options. Housing counselors become a reliable source for families and individuals to understand the different tools available to protect an individual’s credit profile.You will learn:Understand and identify tools to prevent scamsBest practices to keep a consumer’s credit profile protected against scams
Crunching Numbers Part I: Essential Calculations for Housing Counselors
This beginner- to intermediate-level class creates a greater understanding for housing counselors and financial coaches who wish to learn more about basic mathematical calculations. This 90-minute webinar provides practical information and math practice to help you build your math skills. We include procedural information for counselors who are doing budget counseling or performing consumer financial analyses, particularly when working with consumers who have an end goal of mortgage readiness. Practitioners are exposed to basic math and tools they can use, like a mortgage calculation worksheet, to help them walk with consumers in creating a plan toward their end goal of home ownership. There is a heavy emphasis on mathematical calculations for housing affordability during this course, so bring your calculator and get ready to have fun with math!Course ObjectivesCounselors will know how to perform math calculations we use in our daily work including:Calculating gross and net income (and when to use each one).Calculating ratios for affordability and qualification,Calculating ratios to determine current debt.Understanding how to convert decimals to fractions for interest calculations.Counselors will understand the process of providing a financial analysis that helps create an action plan, with appropriate steps to mortgage loan approval, for consumers they serve.Counselors review budgeting tactics to use with clients.Counselors learn to use a mortgage calculation worksheet to determine an estimated affordable mortgage.
Housing Options for Seniors
Explore the full range of housing choices for older adults—from aging in place to assisted living and emerging trends like ADUs and home sharing. This overview covers key client considerations, safety and accessibility needs, and cost comparisons to help counselors and professionals better support senior clients in making informed housing decisions.
How to - Maximize Your Tax Deductions: Tips for Business Owners & Entrepreneurs
Tax season can be a stressful time for business owners. In this session, tax professionals will guide you on strategies to organize financial records, leverage business deductions, and maximize tax efficiency. From understanding quarterly tax payments to preparing end-of-year financial statements, learn practical tips to avoid common tax pitfalls and optimize your financial returns.
How to - Navigate Small Business Borrowing: SBA Guidelines & Best Practices for Securing Funding
Understanding how to borrow wisely is key to growing your business without unnecessary financial strain. This webinar will cover the essentials of small business borrowing, including covering SBA guidelines, loan options, eligibility requirements, how to prepare a strong loan application, and tips for securing the best financing options. Learn best practices for securing financing and managing debt wisely to support your business growth.Clarice Williams | Executive Director | WebsTraining Center | clarice@webstraining.org
How to - Optimize Business Fund Allocation
Discover effective strategies for deploying funds strategically to maximize business growth. We'll cover allocation priorities, risk management, and how to ensure every dollar contributes to your long-term success.
How to - Prepare Your Business for Loan Approval
Funding can make or break a startup, and preparing for a loan requires careful planning. In this workshop, learn what lenders expect from small businesses, how to present financial statements, and ways to improve your creditworthiness. Gain insights on assembling a comprehensive loan package to increase your chances of approval and secure funding to grow your business.David Arriola | Lending Director | NCRC Community Development Fund | darriola@ncrc.orgNick Rajpara | Economic Development Specialist | Small Business Administration (SBA) | nirav.rajpara@sba.govAaron Fenwick | DC BizCAP Program Manager | DC Department of Insurance, Securities and Banking (DISB) | aaron.fenwick@dc.gov
How to - Plan for Long-Term Growth: Advanced Financial Planning & Cash Flow
Strong financial planning and cash flow management are critical for sustaining and scaling a successful business. In this advanced-level webinar, we’ll dive deeper into financial strategies that help business owners anticipate challenges, make data-driven decisions, and strengthen long-term stability.You’ll learn how to:Build and adjust cash flow forecasts based on seasonal trends and business cyclesUse financial planning to guide strategic growth decisionsIdentify early warning signs of cash flow issues and take proactive measuresLeverage tools and techniques for scenario planning and financial modelingThis session is ideal for entrepreneurs who already have a grasp on basic financial management and are ready to take their planning and forecasting to the next level.JoAnne Alston | Owner & Lead Advisor | Merveilleux Financial, PLLC | Inquire@Mer-Fi.com | www.Mer-Fi.com