Housing Counselling


Partners in community Building, Inc. (PICB) Housing Counseling Program “Bottom Line®” provides counseling in homebuyer education, pre-purchases, mortgage delinquency, loss mitigation, renter assistance, forbearance, and default/foreclosure. Housing literacy and counseling are provided in locations where individuals can get access to available resources and programs. Our belief is that housing programs must be integrated closely with other programs that address the needs of all residents and their communities, including economic development, human services and education programs. We believe that all residents should have decent, affordable housing in a safe living environment. Our agency serves all segments of the population regardless of race, color, religion, national origin, sex, familial status and disability. PICB’s housing counseling services enable, inform and encourage clients to make educated and reasonable decisions to achieve their housing goal. 

Pre-purchase Counseling We utilize the latest desktop counselor software; provide supportive individual and group counseling sessions to prepare homebuyers to become mortgage ready. Clients are provided with budget preparation, credit history evaluation and other relative services.

Financial Literacy/Economic Education We recognize that most people can benefit from an enhanced understanding of basic personal finance. We provide appropriate information through trusted intermediaries. These workshops include basic economic principles, cash flow & asset creation,, establishing financial priorities and goals, budgeting, the role of financial institutions/banking, credit/debt management along with wealth-building in homeownership, saving, insurance and real estate investments.

Credit Repair Review credit reports and develop plans to correct derogatory credit. Follow up and negotiations with creditors for debt reduction and payment plans for improving credit scores. If needed letters are created for necessary credit corrections.

Foreclosure Prevention Counseling Work with client to identify cause. On behalf of client work with lender to resolve prevention of foreclosure.

Post Purchase Counseling Information and resources provide on property tax, insurance, refinancing, equity loans, property rehabilitation, upkeep and maintenance and a wide range of community services and other related information.

Rental Assistance Link tenant with landlord. Provide education for tenants and landlords on community programs, city housing programs and information on rights and responsibilities. Follow up and outreach is on going.


Learn Your Responsibilities and Know Your Rights!foreclosure flyer2.eps.eps
Tenants have rights and options when they are faced with building foreclosure. They also have responsibilities. According to the Illinois Foreclosure Listing service, through the third quarter of 2009, there were just over 53,000 legal actions filed to begin foreclosure proceedings in the Chicago land area. Illinois ranks 5th in the nation with the number of home foreclosures. It is overwhelming, but there is help available.The Comprehensive Housing Organization Project (CHOP) is a part of PICB and works to bring tenants and landlords together so they may build relationships with each other that lead to positive households and communities. CHOP provides counseling to tenants and landlords prior to move-in and throughout the duration of occupancy. The program offers financial literacy workshops, help with credit repair, and rental assistance*.
Know the warning signs of building foreclosure:

  • No maintenance on site
  • Can not contact your landlord
  • Posting of utility shutoff notices
  • Realtors hanging around the building or taking pictures of the building
  • The bank is harassing you to leave your unit

If you suspect that your building is in foreclosure, or you want more information about your rights, contact us.
If you are a landlord facing foreclosure, we may be able to help you.
Call our office at (312) 445-0521
*Rental assistance is limited to type and availability.



Need Assistance?  Give us a call at (312) 328-0873.  Register for our online homeownership certificate course!