One-on-one counseling sessions to help resolve current credit
related issues for the purpose of setting a strategy for
mortgage loan approval. Clients who are interested in receiving
credit counseling should review the client
intake form and contact
our housing office for an appointment.
Housing Services provides Housing Education through the
First-Time Homebuyer Workshops. At these workshops, potential
home owners learn about Credit and Debt Management, home
and property selection, home financing and repairs and money
management. For registration for this class, contact
the housing office after reviewing the
calendar for a class near you.
This service provides loan packaging and submission of application
for mortgage financing and government funded homeownership
subsidy on behalf of the client. Additionally, counselors
will assist clients with questions concerning the home buying
process for new construction and existing home purchase
and provide updates on the client progress throughout the
process. Choose one of the following links for information
regarding new
home construction or existing
home purchase. This service addresses the counseling
and administrative function of the housing program.
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CFCDC coordinates land purchases,
building designs, pre-construction finance, qualitative inspections,
and project close-out in collaboration with housing clients.
CFCDC may enter a third party agreement to insure completion
of construction in accordance with the funder’s guidelines.
This service addresses the delivery newly constructed dwellings
that are designed, finance, and constructed by CFCDC. Choose
the following link for information regarding the housing
development process.
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Housing Services also provides housing to low to moderate
income clients. Our rental properties are located in the
cities of Daytona Beach, Ormond Beach and New Smyrna Beach.
Clients interested in becoming a tenant in one of our units
may complete the rental application forms (below) and contact
a CFCDC counselor for an appointment.
Please note that there is a required $50.00
non-refundable fee to process the application. Upon completion
of the application, you may mail or drop the application
off at our office located at 847 Orange Avenue, Daytona
Beach, Florida, 32114. Be sure to include your payment and
copies of your valid identification and social security
card.
A representative from our office will
contact you within ten (10) business days regarding the
status of your application. Should you have any questions
regarding the contents of this packet, please do not hesitate
to contact our office.
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Assistance to borrowers in default to retain their homes by developing strategies based on the borrowers need. Loss mitigation options are given to the borrower to avoid foreclosure. Counselors intervene with the mortgagor on behalf of the client to create a plan involving forebearance, repayment and/or restructuring of the mortgage. A determination is made on what caused the client mortgage to become delinquent and the extent of the default. Client Strategies are developed to find ways to help the client bring the account current within a time period and a manageable payment plan that is acceptable by the client. Counselors work closely with the mortgagor to assist the client in bringing the account current. CFCDC will utilize local resources to assist the increasing number of clients who are currently experiencing foreclosures.
There are a number of different financial
calculators available to assist you in calculating different
types of mortgages and loans. At your convenience utilize
the calculators and get different scenarios.
All licensed contractors and vendors who wish to provide
services to CFCDC may complete the forms below and contact
the office:
Contractor
Certification Form
Vendor
Application Form
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