Homeownership & Housing Counseling

LUCHA’s bilingual, bicultural staff facilitates individual counseling and group workshops to guide clients through the homebuying process. We can help you manage your credit and find the loans and grants that fit your budget.

Financial Capability 

Securing financial stability is the first step towards economic mobility and potential homeownership. Through ongoing educational initiatives and one-on-one counseling (including credit counseling), LUCHA provides clients with the resources and guidance to ensure that the bills are paid and that there are still funds to plan for the future. 

 To advance your financial stability, LUCHA: 

• Promotes informed financial decisions 
• Provides strategies for financial stability 
• Presents innovative approaches to debt payment and savings 

Homebuyer Counseling 

LUCHA’s expert Housing Counselors provide the assistance you need to purchase your first home! 

Through educational workshops and individual counseling, our knowledgeable counselors will help you purchase your first home. Our staff explains how to maintain good credit, choose the perfect home, select the right loan for your budget and apply for thousands of dollars in down payment and closing cost assistance. All services are fully bilingual (English/Spanish) and bicultural. 

First-Time Homebuyer Workshop 

As a HUD-approved housing counseling agency, LUCHA provides first-time homebuyers with educational workshops, credit counseling, mortgage support, access to down-payment assistance, and a number of other services. Through these services, families are responsibly prepared for the rigors of homeownership and finance.   

Register for a First-Time Homebuyer Workshop! 

REGISTER

Foreclosure Prevention 

Losing your home doesn’t have to be an option! 

LUCHA works with households to mitigate potential and impending cases of foreclosure. Navigating the foreclosure process alone can be stressful, confusing, and time-consuming. We help you: 

• Review your credit and personal finances 
• Explore loss mitigation options 
• Identify ways to cut your monthly expenses 
• Apply for a loan modification 
• Compile a packet and letter to send to your lender 
• Negotiate with your lender 

Post-Purchase Services  

Since the housing market collapsed in 2008, LUCHA has lead local agencies in mitigating the experience of foreclosure for Chicagoans. Often, families will be living in homes valued below their remaining mortgage. There are others who can’t afford to continue paying their mortgage due to extenuating circumstances. LUCHA’s Housing Opportunities Program is a certified Borrower Help Center. As a Freddie Mac Borrower Help Center, LUCHA acts as a liaison between banks, lenders, and people experiencing foreclosure in order to maximize homeownership retention opportunities. 

AVAILABLE FOR DOWNLOAD 

LUCHA Housing Counseling Intake Packet

LUCHA Homebuyer Workshop Certificate Request

LUCHA Homebuyer Counseling Process Overview 

LUCHA’s Housing Opportunities Program is a certified Borrower Help Center.

For more information, contact LUCHA at 773-276-5338 or intake@lucha.org.