Florida Housing Counseling Services

First-time homebuyer program

Buying a home is a cornerstone of the American Dream, and our team of HUD-certified housing counselors is here to help Florida homebuyer navigate the unique challenges of one of the nation’s most competitive real estate markets.

Consolidated Credit’s First-Time Homebuyer Program provides everything you need to know about the homebuying process. You’ll also hear directly from a range of housing professionals about the assistance programs and resources available to support your journey to homeownership.

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30 Years of Making Houses Homes

For the last 30 years, Consolidated Credit has been assisting families across the United States to help with housing and financial crisis. Consolidated Credit provides budget & credit counseling, debt management, pre/post-purchase counseling services and many more. Our first-time homebuyer program gives anyone looking to buy their first home, the knowledge and tools to do so successfully. If you are looking for a new home, or just need help affording your current one, Consolidated Credit is always here to help!

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30 Years of Turning Houses Homes
Barry Rothman, Manager of Housing Counseling Services: Hi I’m Barry Rothman, Manager of Housing Counseling Services for Consolidated Credit. A HUD-approved housing counseling agency.
Doris Baker, Lead Financial Educator/HUD Cert. Housing Counselor: And I’m Doris Baker, lead Financial Educator for Consolidated Credit, and a HUD-certified housing counselor.
For the past 30 years, Consolidated Credit has been assisting families across the United States to end housing and financial crisis, through education and counseling.
Barry Rothman, Manager of Housing Counseling Services: Our non-profit organization provides a wide range of services including, budget & credit counseling, debt management services, plus pre-purchase and post-purchase counseling for homeowners.
Foreclosure prevention and rental counseling, and of course reverse mortgage counseling for our senior population.
Doris Baker, Lead Financial Educator/HUD Cert. Housing Counselor: Our first-time homebuyer program, is a series of classes that helps people prepare for homeownership. We also provide free one-on-one counseling, with a HUD-certified housing counselor. They help people create a sustainable budget and afford the common pitfalls that could derail the homeownership dreams.
Barry Rothman, Manager of Housing Counseling Services: We are here to support the community becoming successful homeowners who can pass these vital skills on to their children and other family members for generations to come.
Doris Baker, Lead Financial Educator/HUD Cert. Housing Counselor: To find out more about our programs, please call us or send us an email.

First-time homebuyer course

Consolidated Credit’s 8-hour, HUD-approved Homebuyer Education Course provides comprehensive guidance on the homebuying process. Taught by local experts—including realtors, mortgage lenders, and home inspectors—this course equips you with the knowledge and confidence to become a successful homeowner.

One-on-one homebuyer counseling

The last step in the homebuyer program is a one-on-one counseling session with a HUD-certified housing counselor. Your counselor will help you review your budget and finances and set a customized action home-buying plan.

By the end of your session, you’ll have a roadmap for what you need to do to achieve your goal and get approved for a mortgage.

Upon completing the course and attending a one-on-one session with a HUD-certified housing counselor, you will receive a Certificate of Completion. This certificate may qualify you for down payment and closing cost assistance programs.

As a homeowner, your home is your most important asset, but it’s also so much more than that. So, protecting it is crucial. Consolidated Credit’s housing stability program is here to help you do that. Whether you need help avoiding foreclosure, are a senior with questions about a reverse mortgage, or simply want to know how to get the most out of your investment, we can help.

We also provide free rental counseling to Florida renters who are facing eviction.

Learn more about the housing stability counseling we provide »

Foreclosure prevention counseling

Homeowners who are facing foreclosure have a range of options outside of the HAF that can help. Work with a housing counselor to understand options that can either save your home or help you make a graceful exit so you can transition out of the home as smoothly as possible.

Reverse mortgage counseling

Senior homeowners ages 62 and older have a unique borrowing option known as a reverse mortgage. We can provide HUD-approved reverse mortgage counseling to understand the risks, benefits, and alternatives to reverse mortgages so that you’re fully informed on how this will affect your home, equity, housing situation, and inheritors.

Understanding home equity

Home equity can be an invaluable asset, but it’s important to understand how it works and the risks involved in accessing it. Consolidated Credit’s housing counseling team is here to help you get informed if you’re considering tapping the equity in your home.