HUD & Private Sector Housing Programs


The LRRC, in conjunction with the Lakewood Township Committee & the US Department of Housing & Urban Development (HUD), strives to provide clients with the best possible housing counseling services possible. LRRC staff members have significant experience with HUD & Private Sector Rental & Purchase programs. Our staff members experience include acting as a former Housing Authority Supervisor, and as a Certified Home Buyer / Education Trainer from Neighborhood Works America, the official HUD approved professional housing program training institute.

HUD Logo

Lakewood Logo

Some of the most popular and in demand programs are: HUD Section 8 Housing Choice Voucher Rental Assistance Program, Housing Choice Voucher Program – Home-Ownership & Housing Choice Voucher Program,  Family Self Sufficiency Program.


Pre-Purchase 1 on 1 Categories

  • An assessment to see if client is ready to buy a house
  • Discussion on money management
  • Education on understanding, building and repairing credit
  • Process of getting a mortgage
  • Process of shopping for a home
  • Discussion on keeping their home and maintaining their finance


Purchase Advice Areas

  • We assist the client in determining if owning a home is right for them
  • How much can the client afford
  • Debt to income ratio
  • Steps in the home buying process puzzle
  • The 4 Cs of Credit
  • Mortgage payments and other costs of home-ownership
  • Maintaining home
  • Keeping home energy efficient


Post Purchase

  • Importance of making a spending plan
  • Monthly Income worksheet
  • Monthly expenses worksheets
  • Monthly Discretionary Income worksheets
  • Keeping track of their spending
  • Setting family goals
  • Meeting those goals by trimming expenses
  • Money management tips
  • Importance of savings
  • Ways to invest
  • Importance of diversification


First Time Home-Buyer’s Programs

  • Bank programs
  • Township of Lakewood Affordable Housing Initiative
  • Low Census Track Programs
  • Low to Moderate Income F.T.H.B. Programs
  • NACA (Neighborhood Assistance Corporation of America)


Section 8 Housing Choice Rental Voucher Program

  • Eligibility
  • Waiting List
  • Income calculations
  • Asset calculations
  • Payment Standards / Bedroom size
  • Utility allowance
  • Expenses – Medical / Child Care
  • Rent calculations
  • HQS inspections
  • Income changes
  • Moves
  • Portability

The Affordable and Fair Housing Counseling Services provided by the LRRC are sponsored in part by the United States Department of Housing and Urban Development and the Township of Lakewood.
The Housing Training programs conducted by the LRRC are sponsored in part by Santander Bank. Santander Bank Logo