Housing Counseling

Please click here for the Homeowner Assistance Fund contact form:

ERBA – HAF contact form -ERBA Homeowner Assistance Fund (HAF)

ERBA’s Housing Counseling Program Offers:

Repair and Home Grant/Loan Assistance

  • Assistance with completing loan applications for FHA, Traditional Banks, USDA 502 home loans and 504 repair loans (new roof, siding, windows, furnace…)
  • USDA 504 grants (must be 62+ for health and safety hazards and accessibility) – all income based.
  • Ameren Home Efficiency Grant/Loan Program– all income based.
  • REHAB, Handicap Accessibility Program, Community Development Block Grants/Loan – income based.
  • Traditional Banks/Credit Unions

Housing Counseling/Financial Coach

  • Pre-Purchase Home Buyer Education workshops – Home Buying Process
    o Examples – Realizing the American Dream at Lake Land College
  • Pre-Purchase Home Buyer Education counseling (one on one)
  • Budget and Credit workshops – Budget and Credit 101 – Understanding how it works
    o Example – Budget and Credit 101 at Lake Land College , Head Start Parents, Pathway for Hope
    and Vets at Salvation Army, GED students, the “Hulk” for 5 th grade students
  • Budget and Credit counseling (one on one) – Creating a Budget with your personal information
  • Lunch and Learn (I come to your business and while you eat your lunch, I present a workshop) – Less
    stressed employees are better employees
  • Post Purchase counseling – repairs for homes
  • Delinquency/Foreclosure Prevention Counseling – Working with clients and lenders

Contact Us:
Call Sandy Deters: (217) 923-3113,  Ext. 229
Jodi Creek 217-921-5505, Ext. 275
or one of our 9 outreach offices: 

Clark Co – 217-712-2090  Coles Co – 217-500-3120  Crawford Co – 618-544-8780
Cumberland Co – 217-921-5505  Douglas Co – 217-253-4434  Edgar Co – 217-500-3090
Jasper Co – 618-783-3987  Lawrence Co – 618-943-2938  Richland Co 618-395-2714