Homeownership Center

Dear Partners, Stakeholder and Community,

On behalf of our staff and Board of Directors, we would like to thank you for your vital support in helping The Unity Council Homeownership Center educate thousands of potential homeowners in the areas of lending, real estate, insurance and financial services. Together, we have been able to educate over 7,000 low-to-moderate income families with access to affordable homeownership opportunities and have helped 1,000 families achieve the dream of actual homeownership. In addition, The Unity Council has had the pleasure of being both a HUD-approved counseling agency and a NeighborWorks America Homeownership Center. These distinctions have also granted us with the responsibility of being chosen to administer $4.5 million in Wells Fargo CityLIFT downpayment assistance loans from 2013-2014.

After 17 years of dedicated service, we regret to inform our partners and clients that The Unity Council Homeownership Center will be closing on August 31, 2015. The decision to close the Center was made only after every option was exhausted in an attempt to keep this line of business open.

In preparation for the closure, we have ceased all homeownership programs and services effective immediately. We are currently in the process of notifying those clients that have an active file with The Unity Council Homeownership Center to refer them to other HUD-approved counseling agencies that can assist them.

We greatly appreciate your partnership and support throughout the years.  Without you, we would have been unable to provide homeownership education and access to thousands of families in Alameda County. As such, it has been our pleasure to collaborate with you over the years, and we look forward to our continued partnership in the other areas of service we provide.

A “Frequently Asked Questions” sheet has been provided with this message for your reference, and we will keep you informed of our transition progress with a series of follow-up communications over the next few weeks. Should you have any immediate questions, however, please feel free to reach out to our CEO, Chris Iglesias, or our Executive Vice President, Erin Patch, at the contact information below.  

Regards,

The Unity Council Homeownership Center

Chris Iglesias
CEO
ciglesias@unitycouncil.org
510.535.6900

Erin Patch
Executive Vice President
epatch@unitycouncil.org
510.535.7170

 

Frequently Asked Questions – The Unity Council Homeownership Center Closure

  1. Why is the Homeownership Center closing?

After 17 years of dedicated service to thousands of families in Alameda County, The Unity Council is no longer able to support our Homeownership Center due to the rising costs associated with operating and maintaining this line of business.  The decision to close the Homeownership Center was made after much deliberation between our Board of Directors and executive  management team. It does not, however, reflect the overall financial health of The Unity Council as a whole.

  1. What services from the Homeownership Center are no longer being offered to clients?

As a result of the closure, The Unity Council has ceased offering homebuyer education workshops, and homebuyer counseling.

  1. Have the families that are being served by the Homeownership Center been notified of the closure?

On June 12, 2015, we will send a communication to the families that are currently listed as active in our database informing them of the closure, and where they can find alternate resources to assist them with homebuyer education or other services that have been discontinued. This communication will be provided in English and Spanish, and will also be posted on The Unity Council’s Homeownership page located on its website.

  1. How will the families currently being served by the Homeownership Center be impacted by the closure?

At this time, we are in the process of referring current and prospective clients to the following HUD-approved counseling agencies:

Homebuyers:  including Homebuyer Education and Homebuyer Counseling (agencies listed are either HUD approved and/or Neighborworks Network Organizations).
Compradores de Casa:  incluyendo Educación para Compradores de Casa y Consejería (las agencias en la lista son aprobadas por HUD y/o Organizaciones de la Red de NeighborWorks)

  • Operation Hope, Inc – Oakland Branch, www.operationhope.org, 510-535-6700, HUD-approved
    Pre-purchase Counseling, Pre-purchase Homebuyer Education Workshops
    Consejería para Compradores de Casa, Educación para Compradores de Casa
  • Money Management International Oakland, www.moneymanagement.org, 866-232-9080, HUD-approved
    Pre-purchase Counseling, Pre-purchase Homebuyer Education Workshops
    Consejería para Compradores de Casa, Educación para Compradores de Casa
  • National Association of Real Estate Brokers-Investment Division, Inc, Oakland, www.nidonline.org, 510-268-9792, HUD-approved
    Pre-purchase Counseling, Pre-purchase Homebuyer Education Workshops
    Consejería para Compradores de Casa, Educación para Compradores de Casa
  • Eden Council for Hope and Opportunity (Echo), Oakland and Hayward locations, www.echofairhousing.org, 510-581-9380, HUD-approved
    Pre-purchase Counseling
    Consejería para Compradores de Casa
  • Asian Inc, San Francisco, www.asianinc.org, 415-928-5910, HUD-approved
    Pre-purchase Counseling, Pre-purchase Homebuyer Education Workshops
    Consejería para Compradores de Casa, Educación para Compradores de Casa
  • Chinatown Community Development Center, San Francisco, www.chinatowncdc.org, 415-984-1450, Neighborworks Network Orgranization
    Pre-purchase Homebuyer Education
  • Tenderloin Neighborhood Development Corporation, San Francisco, www.tndc.org, 415-776-2151, Neighborworks Network Orgranization
  • Community Housing Development Corporation of North Richmond, Richmond, www.chdcnr.com, 510-412-9290, HUD-approved, Neighborworks Network Orgranization

 

Homeowners:  including Foreclosure Prevention, Loan Modification, Refinance, Sale of Property, Reverse Mortgages and/or financial support (agencies listed [except for www.keepyourhomecalifornia.org] are either HUD approved and/or Neighborworks Network Organizations).
Dueños de Casa:  incluyendo Prevencion Hipotecaria, Modificaciones de Prestamo, Refinanciamiento, Venta de Propiedad, Hipotecas Inversas y/o ayuda financiera (las agencias en la lista [con excepción de
www.keepyourhomecalifornia.org] son aprobadas por HUD y/o Organizaciones de la Red de NeighborWorks)

  • Operation Hope, Inc – Oakland Branch, www.operationhope.org, 510-535-6700, HUD-approved
    Mortgage Delinquency and Default Resolution
    Morosidad de Hipoteca y Resolución
  • Money Management International Oakland, www.moneymanagement.org, 866-232-9080, HUD-approved
    Mortgage Delinquency and Default Resolution, Financial Management/Budget Counseling
    Morosidad de Hipoteca y Resolución, Consejería sobre Finanzas
  • National Association of Real Estate Brokers-Investment Division, Inc, Oakland, www.nidonline.org, 510-268-9792, HUD-approved
    Mortgage Delinquency and Default Resolution, Financial Management/Budget Counseling, Home Improvement and Rehabilitation counseling, Loan Modifications, Reverse Mortgages
    Morosidad de Hipoteca y Resolución, Modificaciones de Préstamo, Consejería sobre Finanzas, Rehabilitación de Vivienda e Hipotecas Inversas
  • Eden Council for Hope and Opportunity (Echo), Oakland and Hayward locations, www.echofairhousing.org, 510-581-9380, HUD-approved
    Mortgage Delinquency and Default Resolution
    Morosidad de Hipoteca y Resolución
  • Asian Inc, San Francisco, www.asianinc.org, 415-928-5910, HUD-approved
    Mortgage Delinquency and Default Resolution
    Morosidad de Hipoteca y Resolución
  • Chinatown Community Development Center, San Francisco, www.chinatowncdc.org, 415-984-1450, Neighborworks Network Orgranization
  • Tenderloin Neigborhood Development Corporation, San Francisco, www.tndc.org, 415-776-2151
  • Community Housing Development Corporation of North Richmond, Richmond, www.chdcnr.com, 510-412-9290, HUD-approved, Neighborworks Network Orgranization
  • Operation HOPE Mortgage Crisis Hotline, nationwide hotline, 888-388-4673
    Loan Modifications, Foreclosure Assistance and Selling property.
    Morosidad de Hipoteca y Resolución, Modificaciones de Préstamo, Asistencia sobre Venta de Casa
  • At www.KeepYourHomeCalifornia.org, they provide financial assistance for those who are behind on mortgage payments.  They do not provide assistance with loan modifications.
    Asistencia financiera para los que han faltado de pagos hipotecarios.  No proveen asistencia de Resolución o Modificación de Préstamo

 

 

Home Repair Programs:
Programas de Reparación de Casa:

Alameda County Health Homes Program www.achhd.org

City of Oakland Home Repair Program http://www2.oaklandnet.com/Government/o/hcd/s/HousingRepairRehabPrograms/index.htm

http://www.gnservices.org/programs-and-services/housing-rehabilitation/

http://portal.hud.gov/hudportal/HUD?src=/states/california/homeownership/homerepairs

 

Affordable Housing including Rental Assistance
Alojamiento Asequible incluyendo Asistencia de Renta

  • Money Management International Oakland, www.moneymanagement.org, 866-232-9080, HUD-approved
    Rental Housing Counseling
    Consejería de Renteros y Alojamiento
  • National Association of Real Estate Brokers-Investment Division, Inc, Oakland, www.nidonline.org, 510-268-9792, HUD-approved
    Services for Homeless Counseling, Rental Housing Counseling
    Consejería de Renteros y Alojamiento, Servicios de Consejería para Indigentes
  • Eden Council for Hope and Opportunity (Echo), Oakland and Hayward locations, www.echofairhousing.org, 510-581-9380, HUD-approved
    Rental Housing Counseling
    Consejería de Renteros y Alojamiento

 

We are working with these agencies to ensure that any potential disruption in service to our existing clients will be minimized through the last day of the Center’s operation on August 31, 2015.

In addition, there are 250 families that are being served by The Unity Council with the administration of their Wells Fargo CityLIFT downpayment assistance loans. As a result of the Homeownership Center closure, the loan portfolio is currently in the process of being transferred to another 501 c (3) nonprofit organization that is qualified to service the outstanding loans. It is our intention to prioritize the portfolio transfer to this organization in a timely, secure and efficient manner prior to the Homeownership Center’s final day of operation on August 31, 2015. All client data and information will be handled with the upmost respect and security. We will keep our partners apprised of the identity of and ongoing progress with the organization that will acquire the loan portfolio in the coming weeks.

  1. The Unity Council is part of the NeighborWorks America network. Has NeighborWorks America been informed of the closure?

Yes. We have kept NeighborWorks America  informed regarding the need for the Homeownership Center’s closure, and have sought their counsel throughout the wind-down process in order to facilitate a responsible and transparent disclosure of the transition in progress.

  1. When will partners and clients be updated by The Unity Council of additional changes related to the Homeownership Center’s closure?

We plan to send a follow-up communication to partners and clients to inform them of any relevant updates in the weeks leading up to the August 31 closing date.

  1. Will The Unity Council’s partners or clients have any points of contact for information available to them regarding these changes after the August 31, 2015 final day of operation at the Homeownership Center?

Yes. Resources for alternative local homeownership programs and HUD-approved counseling information will remain available on The Unity Council’s website. In addition, partners or clients may contact The Unity Council directly at homeownership@unitycouncil.org or by phone at 510.535.6112.