Services

Overview

H.O.P.E.’s overall purpose is to increase financial literacy awareness, and sustainable homeownership. Our programs involve Education and Counseling. “H.O.P.E. Inc. believes that: Knowledge is Power!  Homeownership is the primary means for working families to build assets.   H.O.P.E. offers a wide range of services de-signed to foster self-sufficiency and help people find and keep the housing that meets their needs.

Counseling

• Pre-Purchase Homebuying Counseling
• Budget and Debt Counseling
• Foreclosure Intervention
• Credit Counseling
• Financial Management Counseling
• Predatory Lending Counseling

Education Programs

• Pre-Purchase & Post-Purchase Homebuying Education
• Financial Literacy
• Effective Credit Management
• Money Management and Debt Elimination

Affordable Housing

• Architectural / Development Services

Education

Homebuyer Education

Pre-purchase education provides general information about the home buying process to a group of potential homebuyers, in a classroom setting.  This includes but is not limited to information on down-payment assistance programs, closing costs, title companies, home inspections and various financing options.

Post-purchase Education & Counseling (Loss Mitigation)

Post-purchase education gives homeowners instruction to make homeownership sustainable in a classroom setting, while counseling involves one-one-one crisis intervention to help homeowners who are in trouble of maintaining homeownership. The crisis intervention is a major component of our counseling services; to help people who have fallen behind on their mortgages take the steps they need to save their home from foreclosure. The consumers’ only defense is to know their options, to be informed, i.e. educated so they can make a wise decision during the loan process.

H.O.P.E. participates with the Coalition for Homeownership Preservation in Prince George’s County in providing the foreclosure prevention seminars that is held each Thursday in the County.

Financial Literacy

Financial education fosters financial stability for individuals and for the entire communities.  The more people know about credit and banking services, the more likely they are to change their spending habits, sustain homeownership, and improve their financial health and well being.  Our curriculum helps individuals and families build financial knowledge, develop financial confidence and use banking services effectively.  These programs are designed to improve the financial stability of homeowners and to allow them to keep their homes or, if that is not possible, to find other suitable housing.

Foreclosure Intervention

Loss Mitigation
A goal of H.O.P.E. is to maximize homeownership through retention of the home for borrowers that are in default of their mortgage and/or experiencing a hardship paying their mortgage. Default prevention services provide remedial crisis intervention, primarily through one-on-one counseling delivered in-person or over the telephone.

Pre-Default
Default prevention programs address the needs of homeowners who have not yet encountered a problem in meeting their mortgage obligations, but know that mortgage rate is resetting or anticipate a financial hardship.

 

Financial Coaching

What is financial coaching? Financial coaching is a confidential, judgement-free relationship with a personal finance expert to help address current and immediate issues, then proactively map out actions needed to accomplish future financial goals. The coach will help the client clarify their goals, suggest changes as needed, and assist in aligning client-specific priorities with a financial plan to achieve major life goals.

VITA Program

The VITA Program generally offers free tax help to people who make $53,000 or less and need assistance in preparing their own tax returns. IRS-certified volunteers provide free basic income tax return preparation with electronic filing to qualified individuals in local communities. They can inform taxpayers about special tax credits for which they may qualify such as Earned Income Tax Credit, Child Tax Credit, and Credit for the Elderly or the Disabled. VITA sites are generally located at community and neighborhood centers, libraries, schools, shopping malls, and other convenient locations.

Housing options & Planning Enterprises, Inc. offers the VITA program in Oxon Hill MD. Hours of Operation will be Tuesday – drop off from 2:00pm – 7:00pm Thursday from 5:00pm – 8:00pm  and every other Saturday the first Sat from 2:00 pm – 4:00pm and the second Saturday from 10:00am – 3:00 pm with breaks from 12:00 – 1:00pm. Please download the intake form and call to schedule an appointment.

Items You Need to Bring
To have your tax return(s) prepared at a VITA or TCE site you need to bring the following information with you:

  • Intake Form, completed and signed
  • Proof of identification – Picture ID
  • Social Security Cards for you, your spouse and dependents or a Social Security Number verification letter issued by the Social Security Administration or
  • Individual Taxpayer Identification Number (ITIN) assignment letter for you, your spouse and dependents
  • Proof of foreign status, if applying for an ITIN
  • Birth dates for you, your spouse and dependents on the tax return
  • Wage and earning statement(s) Form W-2, W-2G, 1099-R, 1099-Misc from all employers
  • Interest and dividend statements from banks (Forms 1099)
  • A copy of last year’s federal and state returns if available
  • Proof of bank account routing numbers and account numbers for Direct Deposit, such as a blank check
  • Total paid for daycare provider and the daycare provider’s tax identifying number (the provider’s Social Security Number or the provider’s business Employer Identification Number) if appropriate
  • To file taxes electronically on a married-filing-joint tax return, both spouses must be present to sign the required forms.

It is extremely important that each person use the correct Social Security Number. The most accurate information is usually located on your original Social Security card. If you do not have an SSN for you or a dependent, you should complete Form SS-5, Social Security Number Application. This form should be submitted to the nearest Social Security Administration Office.

To download Intake Form Click Here

To register for an appointment Call our office at 301-567-3330

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    Foreclosure Prevention Advice: 
    Keeping Your Home: A guide to Foreclosure Prevention and Assistance in Prince George’s County, MD - www.pgcf.org
    Help for America’s Homeowners - www.makinghomeaffordable.org
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    6188 Oxon Hill Road, Suite 700
    Oxon Hill, MD 20745
    301-567-3330 (Office)
    301-710-0607 (Fax)
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