The Harford County Housing Agency offers several types of homeownership counseling. 
For more information, please call 410-638-3045.

• PRE-PURCHASE HOMEOWNERSHIP COUNSELING: Counselors help increase client awareness of the process of becoming a homeowner, and calculate the affordability of homeownership. 
  
  
• BUDGET COUNSELING:  Counseling is available to assist clients in enhancing their financial management skills. 
  
  
• MORTGAGE DEFAULT AND DELINQUENCY :  Counseling is available to increase client awareness of programs available to prevent foreclosure (when possible).  Counselors discuss with clients the foreclosure process, and are also available to work on a client's behalf with lenders (when necessary).    
  
  
• HOME EQUITY CONVERSION MORTGAGE COUNSELING:  Counselors can discuss with clients reverse mortgage programs, options to consider when applying for a reverse mortgage, and help clients calculate financial gain.
  
  
• RENTAL COUNSELING AND RENT DELINQUENCY:  Counselors help clients understand the rental process and rights of tenants.