Homebuyer counseling : how the informal network supports the formal homebuying process

Abstract

This thesis explores the relationship between counselors that provide homebuyer counseling and the clients that use those services. The concern is with the interaction of the counselors and clients and how both counselors and clients use creative means to navigate the formal service system. How does federal and local housing policy impact the delivery of services? What is the "informal system" of counselor-client interaction and negotiations of rules and regulations that either advances or retards "progress" in meeting the goals of homeownership? This analysis provides examples of counselor practice as it applies to homeownership. The goal of homeownership counseling programs is to help the client navigate the purchase process until he successfully purchases a home. The translation of policy to practice can positively or negatively affect a client's view of his potential of owning and maintaining a home. Intervention by counselors might make a positive difference.