Opportunity Information: Apply for FR 5415 N 43
Apply for FR 5415 N 43
- The Department of Housing and Urban Development in the housing sector is offering a public funding opportunity titled "Mortgage Modification and Mortgage Scams Assistance Housing Counseling" and is now available to receive applicants.
- Interested and eligible applicants and submit their applications by referencing the CFDA number(s): 14.169 Housing Counseling Assistance Program.
- This funding opportunity was created on May 18, 2011 and posted on May 18, 2011.
- Applicants must submit their applications by Jun 18, 2011. (Agency may still review applications by suitable applicants for the remaining/unused allocated funding in 2026.)
- The funding agency has allocated a total of $10,023,000.00 to eligible and selected applicants.
- Eligible applicants include: Others (see text field entitled Additional Information on Eligibility for clarification).
- Eligible applicants for this grant are HUD approved Intermediaries and HUD approved Local Housing Counseling Agencies (LHCAs) that meet the threshold requirements listed in Section III.C.2 of this NOFA. NOTE Agencies that were already awarded funding under the Housing Counseling NOFA issued July 26, 2010 are eligible to apply for this NOFA provided they meet the location requirement.
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Opportunity Summary:
The Mortgage Modification and Mortgage Scams Assistance Housing Counseling grant opportunity (Funding Opportunity Number FR 5415 N 43) is a discretionary HUD grant designed to strengthen front-line housing counseling services for homeowners who are at risk of falling behind on their mortgages or losing their homes to foreclosure. The core purpose of the program is foreclosure prevention and homeownership preservation. Through the funded counseling work, participating agencies help households understand their options, communicate effectively with mortgage servicers, and pursue solutions such as loan modifications or refinancing when those options can make the mortgage more sustainable over the long term. The counseling focus is practical and problem-solving oriented, aimed at preventing outcomes that typically accompany distressed loans, including loss of home equity, spiraling fees and debt, and eventual default or foreclosure.
A major emphasis of this opportunity is helping homeowners address mortgage terms that may be structurally unaffordable or risky, such as unreasonably high interest rates, repayment schedules that do not match a household's income reality, or other loan conditions that place borrowers on a path toward delinquency. Housing counselors supported through this grant are expected to provide guidance and clear information so homeowners can make informed decisions, meet the responsibilities of homeownership where possible, and negotiate or apply for alternatives that can stabilize the household. In practice, this can include reviewing the homeowner's financial situation, explaining available loss mitigation pathways, helping assemble documentation requested by servicers, and preparing clients to engage with lenders in a way that increases the likelihood of a workable outcome.
The program also explicitly supports assistance related to mortgage scams. Counselors may help homeowners who have questions about suspicious offers, high-pressure "rescue" schemes, or third parties claiming they can guarantee modifications or stop foreclosure for a fee. In addition to education and prevention, the grant supports counseling activities that help homeowners report potential scam victimization. This reflects a recognition that financially distressed homeowners are often targeted by fraudulent actors, and that effective counseling can both prevent harm and connect victims to appropriate reporting channels.
HUD estimated total funding for this opportunity at $10,023,000. The funding instrument is a grant, and there is no cost sharing or matching requirement stated for applicants, which generally makes participation more feasible for counseling organizations that may not have substantial unrestricted funds. The activity category is Housing, and the CFDA number associated with the program is 14.169 (Housing Counseling Assistance Program).
Eligibility is limited to HUD-approved Housing Counseling Intermediaries and HUD-approved Local Housing Counseling Agencies (LHCAs) that meet the threshold requirements described in Section III.C.2 of the Notice of Funding Availability (NOFA). The listing notes that agencies already awarded funding under the Housing Counseling NOFA issued July 26, 2010 may still apply for this opportunity as long as they meet the location requirement referenced in the NOFA. In other words, this funding is intended for established HUD-recognized counseling entities that have already met HUD standards for approval and capacity, rather than first-time or unapproved organizations.
Key dates for the opportunity indicate it was posted on May 18, 2011, with an original and current closing date of June 18, 2011, and an archive date of June 24, 2011. The administering agency is the U.S. Department of Housing and Urban Development. Application materials were distributed with instructions to download the application package using the CFDA number only. For applicants needing support, HUD provided points of contact: local housing counseling agencies were directed to contact the Homeownership Center serving their area for program-related information, while intermediaries were directed to contact Joel Ibanez at 202-402-4338.
Mortgage Modification and Mortgage Scams Assistance Housing Counseling Grant (FR 5415 N 43) FAQs
What is the Mortgage Modification and Mortgage Scams Assistance Housing Counseling grant (FR 5415 N 43)?
It is a discretionary grant from the U.S. Department of Housing and Urban Development (HUD) designed to strengthen front-line housing counseling services for homeowners who are at risk of falling behind on their mortgages or losing their homes to foreclosure.
What is the main purpose of this grant opportunity?
The core purpose is foreclosure prevention and homeownership preservation. Funded counseling is intended to help households avoid outcomes associated with distressed loans, such as loss of home equity, escalating fees and debt, and eventual default or foreclosure.
What kinds of homeowner problems is the counseling meant to address?
The counseling focuses on practical, problem-solving support for homeowners facing delinquency risk or foreclosure risk, including situations where the mortgage terms may be structurally unaffordable or risky (for example, unreasonably high interest rates or repayment schedules that do not align with household income).
What types of solutions can counselors help homeowners pursue?
Counselors help homeowners understand options and communicate effectively with mortgage servicers, including pursuing solutions such as loan modifications or refinancing when those options can make the mortgage more sustainable over the long term.
What does "practical and problem-solving oriented" counseling include under this program?
Examples described include reviewing a homeowner's financial situation, explaining available loss mitigation pathways, helping assemble documentation requested by servicers, and preparing clients to engage with lenders in ways that improve the chances of reaching a workable outcome.
Does this grant address mortgage scams as well as mortgage distress?
Yes. The opportunity explicitly supports assistance related to mortgage scams, recognizing that financially distressed homeowners are often targeted by fraudulent actors.
What scam-related issues can counseling cover?
Counselors may help homeowners evaluate suspicious offers, high-pressure "rescue" schemes, and third parties claiming they can guarantee a loan modification or stop foreclosure in exchange for a fee.
Does the program support reporting mortgage scams?
Yes. In addition to education and prevention, the grant supports counseling activities that help homeowners report potential scam victimization and connect to appropriate reporting channels.
How much total funding did HUD estimate for this opportunity?
HUD estimated total funding at $10,023,000.
What type of funding instrument is used?
The funding instrument is a grant.
Is there a cost sharing or matching requirement for applicants?
No cost sharing or matching requirement is stated for applicants in the provided opportunity summary.
What is the activity category for this opportunity?
The activity category is Housing.
What CFDA number is associated with this program?
The CFDA number is 14.169, identified as the Housing Counseling Assistance Program.
Who is eligible to apply for this grant?
Eligibility is limited to HUD-approved Housing Counseling Intermediaries and HUD-approved Local Housing Counseling Agencies (LHCAs) that meet the threshold requirements described in Section III.C.2 of the Notice of Funding Availability (NOFA).
Can organizations that are not HUD-approved apply?
Based on the provided information, the funding is intended for established HUD-recognized counseling entities (HUD-approved intermediaries and HUD-approved LHCAs). Unapproved organizations are not described as eligible.
Can agencies funded under the July 26, 2010 Housing Counseling NOFA also apply?
Yes. The listing notes that agencies already awarded funding under the Housing Counseling NOFA issued July 26, 2010 may still apply as long as they meet the location requirement referenced in the NOFA.
What is the Funding Opportunity Number for this grant?
The Funding Opportunity Number is FR 5415 N 43.
Who administers this grant opportunity?
The administering agency is the U.S. Department of Housing and Urban Development (HUD).
When was the opportunity posted?
The opportunity was posted on May 18, 2011.
What was the application closing date?
The original and current closing date listed is June 18, 2011.
When was the opportunity archived?
The archive date listed is June 24, 2011.
How were application materials provided, according to the listing?
Application materials were distributed with instructions to download the application package using the CFDA number only.
Who should Local Housing Counseling Agencies contact for program-related information?
Local Housing Counseling Agencies were directed to contact the Homeownership Center serving their area for program-related information.
Who should HUD-approved intermediaries contact for support or information?
Intermediaries were directed to contact Joel Ibanez at 202-402-4338.
What is the overall focus of the counseling services supported by this grant?
The counseling focus is on helping homeowners understand options, meet the responsibilities of homeownership where possible, and negotiate or apply for alternatives that can stabilize the household and preserve homeownership.
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