Posted on November 26th, 2024 

Imagine going through the home buying process with confidence, fully knowing each step—from budgeting to signing your mortgage. 

What once seemed daunting becomes much more manageable through homebuyer education progr…

Posted on October 30, 2024

Housing counseling, particularly through programs like those offered by NID Housing Counseling, provides support and education to help individuals understand and manage their finances better. These counseling services focus on…

Posted on September 27, 2024

Each year, we unite to honor the commitment and hard work of housing counselors on Housing Counselors Day. Recognized by the Office of Housing Counseling, this day serves as a chance to appreciate the vital role these profes…

Posted on September 27, 2024

Finding the perfect rental home can be a daunting task. The rental housing market is constantly changing and it can be overwhelming to keep up with all the options and details. But fear not, with the right tools and knowled…

Posted on September 27, 2024

When it comes to finding a place to call home, the process can often be overwhelming and full of uncertainties. From choosing the right location and type of housing, to understanding financial options and navigating legal r…

Posted on August 8, 2024.

If you're worried about the potential of losing your home, you're not alone. Foreclosure is a reality that many homeowners face, and it can be a daunting prospect. The thought of having to leave your home and start from scratch…

Posted on August 8, 2024.

When it comes to financial options for homeowners, there are many different types of mortgages available. One of the most commonly misunderstood options is the reverse mortgage. While similar to a traditional mortgage, there ar…

Posted on July 10th, 2024.

Imagine a community where residents not only feel secure in their homes but are also actively involved in shaping the future of their neighborhoods. Housing counseling services play a fundamental role in fostering such environ…

Posted on July 10th, 2024.

From the mountains to the coastal cities, economic forces shape every homeowner's journey in unique ways. 

These forces, ranging from income levels to the broader impacts of inflation, weave a complex tapestry that influence…

June 5th, 2024

The journey to homeownership can be an exhilarating yet daunting experience, especially for first-time buyers. Navigating through the complexities of mortgage options, financial readiness, and the actual purchasing process can be overwhel…

June 5th, 2024

Homeownership is a cornerstone of economic stability and wealth-building, yet it remains out of reach for many in minority communities due to systemic barriers and financial challenges. 

The 100 City Community Day Tour seeks to bridge th…

March 8th, 2024

Historically Black Colleges and Universities (HBCUs) have long played a vital role in shaping the landscape of higher education and empowering Black communities. 

But what is HBCU, and why is this initiative so significant? 

In this bl…

March 8th, 2024

The NAREB Building Black Wealth Tour Community Day 2024 is more than just an event; it's a nationwide movement dedicated to empowering Black communities with property ownership and wealth-building opportunities.

On April 13th, a Virtual…

Feb 14th, 2024

Employee transitions can disrupt the seamless operation of housing counseling agencies, posing risks to client confidentiality and service continuity. 

During employee transitions, such as resignations or new hires, organizations must na…

Feb 14th, 2024

Housing affordability initiatives play a pivotal role in shaping communities and fostering social equity. 

These efforts aim to ensure that all individuals have access to safe and affordable housing options, regardless of their socioecon…

Jan 11th, 2024

Becoming a homeowner is a significant milestone, but the financial hurdles associated with it, particularly the down payment, can be daunting.

For first-time home buyers in 2024, securing down payment assistance can be a game-changer.

In …

Jan 11th, 2024

In recent years, the housing industry has undergone a significant evolution, primarily fueled by the ongoing wave of digital transformation.

This paradigm shift has not only revolutionized the way housing services are delivered but has al…

Dec 7th, 2023

The holiday season is a time of joy, festivities, and spending quality moments with loved ones. 

As we adorn our homes with twinkling lights, festive decorations, and the warm glow of candles, it's crucial to prioritize safety to ensure t…

Dec 7th, 2023

In the ever-changing landscape of the real estate market, one concept holds the key to securing your dream home: the bargaining power of buyers. 

As mortgage rates climb and housing prices surge, understanding and harnessing this power be…

Nov 9th, 2023

Are you looking for an opportunity to make a positive impact on your community while gaining valuable insights into homeownership and wealth building? 

Look no further than the NAREB Leadership at the Congressional Black Caucus. 

NID Hou…

Nov 8th, 2023

If you find yourself overwhelmed by clutter and constantly searching for ways to simplify your life, downsizing might be the perfect solution for you.

In this blog post, we will explore the numerous benefits of downsizing your life and ho…

Nov 8th, 2023

When you purchase a home, you're making one of the most significant investments of your life. Protecting that investment is crucial, and one way to do so is through home insurance.

In this comprehensive guide, we'll explore the essential …

Nov 8th, 2023

Small apartments can be cozy and charming, but they often come with a challenge – limited space. Living in a compact space doesn't mean sacrificing comfort or style. With some creativity and smart organization, you can make the most of you…

Aug 16th, 2023

Owning a home comes with its fair share of financial responsibilities, and among them is the often-unexpected increase in homeowners insurance premiums. 

If you've recently noticed a bump in your insurance costs, you're not alone in wond…

Aug 16th, 2023

Homeownership, a cornerstone of the American dream, involves several crucial steps, including obtaining a mortgage. 

One key component of this process is the housing appraisal, a pivotal assessment that determines the value of a property…

June 16th, 2023

June is an exciting month for homeowners and aspiring homeowners alike as it is recognized as National Homeownership Month in the United States. This special month is dedicated to celebrating the joys and benefits of owning a home. 

Whe…

June 16th, 2023

Are you dreaming of becoming a homeowner but worried about the costs involved? 

Buying a house on a budget is not only possible but also an achievable goal for many aspiring homeowners. 

With careful planning and smart decision-making,…

May 12th, 2023

The COVID-19 pandemic has had a profound impact on individuals and communities worldwide. As homeowners, we understand that this unprecedented situation has brought about unique challenges and uncertainties. At NID Housing Counseling Agen…

May 12th, 2023

Are you struggling to make ends meet? Do you find it challenging to keep up with your housing expenses? You're not alone. Many individuals and families across the United States face financial difficulties and require assistance. That's wh…

April 7, 2023

Buying a house can seem like an impossible dream for those on a low income. However, with the right strategy and resources, it's possible to make your dream of homeownership a reality. As a HUD-approved national intermediary organization b…

February 25, 2022

Year after year NID-HCA is making a difference in so many ways; fiscal year 2021 is no different and 2022 is on pace to increase those numbers. We’d like to highlight some of our current programs.

Housing Stability and Counseling Prog…

April 1, 2021

NID Housing works closely with federal agencies like HUD and the CFPB to guide and protect consumers in their housing-related and other needs. The federal halt to rental evictions has been delayed. Please see the following brief video from…

October 26, 2019

NID Housing has worked for decades analyzing the housing policy impact on low-income and minority communities, in addition to serving clients in our communities. With the explosion of new technologies in private and public industries, …

August 26, 2019

NID Housing President and Founder, Mr. Ray Carlisle, Sr., recently commented on a study linking rejection of homeowners’ home warranty insurance claims and the race of the homeowner. The study involved self-reported claims approval by h…

March 19, 2019

NID Housing and the NAACP recently executed a five-year MOU to affirmatively address homeownership and wealth building in minority and low-income neighborhoods. Mr. Ray Carlisle, Sr., NID President and CEO, attended the NAACP Board of Di…

October 24, 2018

Recently, HUD announced the latest cycle of housing counseling grants totaling $47 million dollars. NID secured one of the largest grants in the United States. HUD Secretary Ben Carson described NID’s work as “counselors on the front …