Archive for the 'Uncategorized' Category


Aug. 28th 2019

Interested in accounting, math, business law, taxes or just helping others in your local community?
The I.R.S. Invites YOU to learn about becoming a Washington, D.C. metropolitan area Volunteer Tax Preparer…

The Volunteer Income Tax Assistance (VITA) service is a community cause that prepares more than 3 million free individual income tax returns nationwide each year. Low-income families, seniors, and other vulnerable populations receive free tax preparation assistance from local I.R.S. certified volunteer tax preparers. The I.R.S. partners with local community action agencies to implement and deliver service during the tax season. Tax professionals may earn continuing education credits for volunteer hours. Students may be eligible for academic credit with their school’s approval. High school students may be eligible to volunteer. New tax law changes are taught to all volunteers via an I.R.S. training curriculum. Join us September 12th to learn how you can become a local volunteer for the 2020 filing season!

JOIN US: THURSDAY, SEPTEMBER 12, 2019 Prince George’s Community College,  Largo Student Center, Community Room on the 2nd Floor 301 Largo Rd, Largo, MD 20774  Event Time: 6:00 – 7:30 p.m. Parking is Lot J, B and C. 

Attendees should not park in spaces designated as faculty, staff, or maintenance.

Meeting Agenda  6:00 – 6:15 p.m.

IRS VITA Presentation 6:15 – 6:30 p.m.

Volunteer Testimony 6:30 – 6:45 p.m.

Volunteer Testimony     6:45 – 7 p.m.

Q & A Session with the IRS  7:00 – 7:30 p.m. Meet & Greet Session

Can’t attend the informational meeting?? For more information, you may also contact I.R.S. Employee

Tammy Burrell contact information: and contact number: 240.613.5715

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If you are considering buying in Baltimore city or county, you should not take this online workshop. Please view the requirements for Baltimore City and County

Sep. 6th 2017
Baltimore City Requirements

  • First-Time Homebuyers (see “Definitions” below) must complete Homebuyer Education with an organization approved by Baltimore City, and obtain a certificate of completion BEFORE entering into a contract of sale to purchase a home.
  • Move-Up Homebuyers (see “Definitions” below) must complete Homebuyer Education with an organization approved by Baltimore City, and obtain a certificate of completion BEFORE CLOSING.
Baltimore County   Requirements

  • Homebuyer Education must be received from one of the following agencies:
    • Belair-Edison Neighborhoods, Inc.
    • Diversified Housing Development
    • Eastside Community Development Corp., Inc.
    • Harbel Housing Partnership Program
    • St. Ambrose Housing Aid Center​​
  • Workshop and individual counseling must be completed and a certificate of completion received BEFORE the borrower enters into a contract of sale to purchase a home.

Also, Hartford County has specify requirements:

Harford Requirements

  • Homebuyer Education must include a minimum of two hours of one-on-one, face-to-face counseling and three hours of workshop counseling. The counseling must be conducted by a HUD-approved housing counseling agency or by a lender that uses the services of a mortgage insurer with an established education/counseling program.​



Posted by hopefinancial | in Uncategorized | No Comments »

HUD Raises the Bar for Housing Counselors

Dec. 19th 2016

Author: Brian Honea in Daily Dose, Featured, News December 14, 2016

image001Housing counselors participating in HUD-approved programs must now be certified in order to offer services to consumers, according to an announcement from HUD on Wednesday.

The new certification requirements call for counselors to pass a standardized written exam and work for a HUD-approved counseling agency. Congress directed HUD to develop a standardized certification program for housing counseling in response to the crisis, in order to “increase the competency of counselors in the full range of housing issues confronting consumers.” That range of issues includes protecting consumers from scams perpetrated by operators who prey on the most vulnerable consumers, according to HUD.

“Independent research shows that consumers working with a HUD housing counseling agency have better credit, more savings, and fewer foreclosures than similar non-counseled consumers,” HUD stated in its announcement.

In order to pass the examination, housing counselors must demonstrate competence in the following areas, according to HUD:

  • financial management
  • property maintenance
  • responsibilities of homeownership and tenancy
  • fair housing laws and requirements
  • housing affordability
  • avoidance of, and responses to, rental and mortgage delinquency and avoidance of eviction and mortgage default


HUD is offering training and study resources in both English and Spanish to help counselors prepare for the examination. Resources available include a practice test to be made available soon. HUD said it has target Spring 2017 as the publication date for the actual certification test. The final rule will take full effect three years from the time that the certification examination is published, according to HUD.

“Once HUD’s rule is fully implemented, housing counseling required by HUD or provided in connection with any HUD program will meet common standards and will be delivered by a HUD certified counselor working for a HUD-approved housing counseling agency,” HUD stated in its announcement.

Consumers seeking assistance will then be able to search an online database managed by HUD, containing a list of HUD-approved housing counseling agencies and certified counselors.

Click here to read HUD’s final rule.

Posted by hopefinancial | in Uncategorized | No Comments »

Maryland Mortgage Program (MMP)

Oct. 13th 2016


Posted by hopefinancial | in Uncategorized | No Comments »
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