In addition, housing providers do not know how to package deals. Potential Homeowners Need Credit Counseling . Education is needed for people of all ages as to the importance of good credit and how to get and maintain it. Bad credit histories are prohibiting some people from accessing programs and receiving financing. Education on money management as well as housing maintenance is needed.
Consumers underutilize the few available housing counseling agencies.
Participation Administrative Requirements Tax the Capacity of Small Housing Organizations . Application, monitoring, reporting, and documentation requirements of government programs are straining the resources of existing housing organizations. These organizations typically rely on community volunteers and part-time staff members who do not always have the capacity to keep up with administrative requirements. Long waiting periods for funds hinders an adequate response to needs. Program Guidelines Preclude Participation by Some People in Need .