What online housing counseling and education programs does CCBC offer?

Updated

Consumer Credit and Budget Counseling, Inc. (cc-bc.com), also doing business as National Foundation for Debt Management, is a non-profit, nationwide credit counseling agency and a Premier Multi-State HUD housing counseling agency with offices in New Jersey and Florida. Its online housing programs are built for people who need counseling or certification but cannot attend in-person classes or one-on-one sessions because of scheduling or other circumstances. The site lists four main online housing services, each aimed at a different situation.

Online Homebuyer Certification Class

This is an Online Homeownership Housing Counseling and Education Certification Program, offered as a convenience to potential home buyers whose schedules or circumstances do not allow them to attend regular classes and one-on-one home ownership counseling.

  • Best for: Prospective buyers who need a homebuyer education certificate but cannot commit to scheduled in-person sessions.
  • How it works: The program is delivered online, so you complete the counseling and education requirement remotely.
  • Where to start: The site points to Homebuyercert.org for this program.

Online Landlord Education Certification Class

This is an online housing counseling course designed to meet a lender's requirement for Landlord Education Certification.

  • Best for: Current or aspiring landlords whose lender requires landlord education certification.
  • Why it matters: If your lender mandates the certification, this course is structured specifically to satisfy that requirement.
  • Where to start: The site points to LANDLORDCERT.ORG.

NJ Foreclosure Mediation Assistance

Mediation can save a home from foreclosure, but many homeowners enter the foreclosure process with their mortgage lender without understanding what relief may be available. CCBC helps homeowners navigate the Foreclosure Mediation Program.

  • Best for: New Jersey homeowners facing foreclosure who want help understanding and using the mediation process.
  • Cost: The site states this service is FREE.
  • What it does: It guides you through the Foreclosure Mediation Program rather than leaving you to deal with the lender alone.

Reverse Mortgage Counseling Appointment

CCBC offers reverse mortgage housing counseling with online appointment booking. The site frames a reverse mortgage as a big decision and emphasizes making sure you have all the information needed to make an informed choice.

  • Best for: Homeowners considering a reverse mortgage who want counseling before deciding.
  • How to access: Book an appointment online through the site.
  • Where to start: The site points to Reversecert.org.

Related credit and homebuying support

Beyond the four housing programs above, the site also lists services that often come up alongside housing counseling:

Service What it covers
Credit Preparation for Homebuying Works with your mortgage broker using credit tools and "What If" generators to improve your score so you can qualify for a loan you can afford (homebuyercred.org)
Student Debt Solutions® Helps first-time homebuyers whose student loans make it hard to qualify for a mortgage (platform-based)
Credit and Budget Counseling Customized debt management plans for consumers whose credit card debt keeps growing faster than they can pay it down

How to choose

  • If you need a homebuyer education certificate → Online Homebuyer Certification Class.
  • If your lender requires landlord education → Online Landlord Education Certification Class.
  • If you are facing foreclosure in New Jersey → NJ Foreclosure Mediation (free).
  • If you are considering a reverse mortgage → Reverse Mortgage Counseling Appointment.
  • If your obstacle is credit or student debt rather than housing education → the credit preparation or Student Debt Solutions® programs.

For contact, the site lists the phone number (844) 458-1857.