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PROGRAMS
Housing Counseling Program Through its counseling efforts, the San Antonio Housing Trust Foundation, Inc., is able to conduct personalized credit, budget, and financial, pre-purchase, post-purchase, default and foreclosure counseling.
The following HUD recognized priority activities are addressed through individualized counseling sessions:


  • Retaining homeowners;
  • Serving areas with concentrations of high default or foreclosure rates
  • Fair Housing-equal opportunity and access to housing, and
  • Overcoming traditional barriers to homeownership
COUNSELING
SAHT has helped thousands of first time buyers in San Antonio and surrounding areas achieve their homeownership dream in the past 20 years. SAHT has also helped hundreds save their homes from the threat of foreclosure.

SAHT accepts "walk-in" counseling clients. The Housing Trust offers four (4) types of HUD approved homeownership counseling in both English and Spanish.
  • Pre-purchase
  • Post-Purchase
  • Foreclosure Prevention Counseling
  • Credit Counseling
Pre-purchase Counseling
Pre-purchase counseling helps prepare the first-time homebuyer for the home purchase process and their responsibilities of homeownership. Counseling is done on an individual basis. Topics that are covered include a review of credit, credit repair, debt reduction and current employment stability.
Post Purchase Counseling
Post-purchase counseling is designed to help first-time homebuyers weather the first two years of homeownership through individual counseling with SAHT staff, maintaining a home maintenance savings account, and other strategies for successful homeowners.
Credit Counseling
The San Antonio Housing Trust Foundation assist families to become economically and financially self-reliant. Through financial education, families will learn the necessary skills to develop their assets. This helps families invest in their future. Families or individuals meet with a counselor on a one-on-one basis to resolve their credit issues. The counseling sessions teach and assist families to budget their expenses and initiate a savings plan to prepare for their future financial endeavors. Counselors conduct a credit report analysis and tips on how to negotiate collection amounts.
Foreclosure Prevention Counseling
The foreclosure prevention designed to help homeowners keep their home, establish financial stability and learn strategies to avoid similar situations in the future. The SAHT provides free counseling assistance to help homeowners who are in or nearing foreclosure with referrals to additional resources. The best time to address a mortgage delinquency is early in the process. What to expect from foreclosure prevention counseling:

  • Honesty. Sometimes the answers are difficult and solutions mean lifestyle changes.
  • Review of the homeowner's financial picture based on income, bills and spending habits.
  • Guidance as homeowners sort through personal and financial issues and explore solutions.
  • Direction to other community resources that may be a part of the solution.
  • Information about the foreclosure process.