Back to Work Program (B2W)

Extenuating Circumstances provides a counseling session to fit the required scope of the services for this program. This includes counseling for personal credit issues, money management and budgeting, as well as an in-depth look at the debt to income ratios used to qualify you for your home. The counseling also address the cause of the economic event that originated the short sale, deed in lieu, bankruptcy or foreclosure and the actions taken to overcome this event and reduce the likelihood of reoccurrence. At the end, the prospective homeowner will receive a Certification Letter from the agency that states counseling was delivered in accordance with the HUD requirements for this program and will receive also copies of the housing counseling agency disclosures required by HUD. This service has a charge of $100.00 for one borrower and $150.00 for borrower and co-borrower.  If you need to schedule an one on one meeting with one of our Housing Counselors, please email us at This email address is being protected from spambots. You need JavaScript enabled to view it. or click here to request the appointment.