Housing Assistance Corporation Blog

Foreclosure Counseling Stabilizes Households on Cape Cod

Posted by Chris Kazarian on Mon, Jan 07, 2019 @ 11:11 AM

 

Heidi and Betsie Foreclosure (January 2019)

Among the services that HAC Housing Counselors Heidi Archibald (left) and Betsie Rumbaugh provide is foreclosure counseling to homeowners on Cape Cod and the Islands. 

Over the past 21 years, HAC has helped countless families and individuals stay in their homes through foreclosure counseling. HAC is the only agency certified by the Department of Housing and Urban Development (HUD) to offer this service to residents on Cape Cod and the Islands.

“I think it helps stabilize families and keeps their kids in the same school district which provides regularity and stability for children,” said Cassi Danzl, HAC’s Director of Family and Individuals Services. “For older, elderly populations, it allows them to age in their homes where people are typically on a fixed income and can’t afford the rents here.”

HAC currently has two housing counselors – Heidi Archibald and Betsie Rumbaugh – who offer one-on-one counseling for homeowners at risk of foreclosure. Cheryl Codair, HAC’s Director of Education and Engagement, provides group-based support through the agency’s financial literacy classes which include pre- and post-purchase workshops.

Since November 1, HAC has fielded 24 phone calls from homeowners seeking information about foreclosure counseling.

The process, Rumbaugh said, can be overwhelming. “I’ve had people walk in and they are very stressed and afraid about the future,” she said. “They are starting to become aware of the housing issue on Cape Cod and how difficult it is to find an alternative place to live if they lose their home.”

Counseling is aimed at building trust and providing solutions to addressing a household’s current financial situation. “We guide them to pick up the pieces so they can move forward,” Rumbaugh said.

Archibald said the sooner a homeowner can come to HAC, the better. HAC has several internal programs that can support clients, including offering one-time financial assistance to those who may have fallen behind on their mortgage payments due to unforeseen circumstances such as loss of a job, illness, or divorce.

Despite the emotional nature related to foreclosures, both Archibald and Rumbaugh said they enjoyed being able to help clients stabilize their housing. “I love working with the community and contributing to helping people stay in their homes,” Rumbaugh said. “I think the fact that there is such a shortage of housing available on Cape Cod makes housing counseling very important to the community.”

HAC's Foreclosure Counseling 

Those in need of foreclosure counseling, should contact Betsie Rumbaugh at either brumbaugh@haconcapecod.org or 508-771-5400, ext. 285.

Tags: HCEC, Foreclosure, housing consumer education, Cassi Danzl, Betsie Rumbaugh, foreclosure prevention, Cheryl Codair, Heidi Archibald, housing counselors

HAC Welcomes New Director of Education and Engagement

Posted by Chris Kazarian on Fri, Jun 29, 2018 @ 05:51 PM

 

Cheryl-2

In April, HAC welcomed Cheryl Codair to the agency, tapping her expertise to expand its financial literacy classes.

Codair was hired as HAC’s new director of education and engagement. She is responsible for managing the workshops offered through HAC’s Housing Consumer Education Center (HCEC) which includes Be a Successful Tenant; Community Resources; First-Time Homebuyer Education; HomeSafe Post Purchase Series; Housing Search; Money Matters; and Rebuilding Your Credit.

“I am delighted to be a part of HAC’s professional family,” said Codair, who lives in Orleans with her two daughters. “I wanted to work on a team with strong leadership and to serve our community in a meaningful way.”

She is particularly drawn to HAC’s housing-focused mission. “I do believe that living where you’re working builds a strong, vibrant community,” she said. “And it begins with affordable, year-round housing.”

Codair earned her bachelor of science degree in nursing from the University of Vermont. She comes to HAC with extensive experience in a variety of fields including health care, real estate, software, and education. Most recently, she served as the program director for the Cape Cod Institute.

Anne Van Vleck, HAC’s Chief Development Officer, said Codair has a unique skillset that will serve her well in this position. “We weren’t sure we could find somebody who could do all aspects of the job, from fundraising to sponsorships to relationship building with educational partners to program design and curriculum development,” she said. “Cheryl brought all of those skills to the table. She has a background in all of those areas.”

Among her duties, Codair will be responsible for overseeing an effort to make HAC’s educational offerings more accessible by holding them in other sections of Cape Cod and the Islands. Traditionally, those classes have been held at HAC’s Hyannis office at 460 West Main Street and at its family shelters.

Codair expressed excitement with her new role, especially as it will give clients attending HAC workshops the tools and resources to achieve housing stability and move towards self-sufficiency. “The core education piece is important to be able to set up your financial goals. Maybe it is just to get a better apartment or maybe it is to achieve homeownership,” she said. “It is having that stable place that a family needs to experience that next level of joy.”

To register or to learn more about HAC's financial literacy classes, click this link. To contact Cheryl, email her at ccodair@haconcapecod.org or call her at 508-771-5400, ext. 267.

Tags: HCEC, Homebuyer Education, education, housing consumer education, First-Time Homebuyer workshop, financial literacy, Anne Van Vleck, first-time homebuyer, Cheryl Codair, self-sufficiency