(NewsUSA) - Maintenance costs are up, home values are falling and states are seeing more foreclosures than sales. But terrible times for homeowners make for terrific investment opportunities.
Why? The market sees constant ups and downs. Buying when the market’s high means greater upfront costs. And because the market cannot rise indefinitely, property investors must constantly watch for the bubble to pop.
In a down market, the question is not “if,” but “when” the market will improve. If investors can buy properties at rock-bottom prices, they can afford to maintain the home until the market improves. At that point, the investor can sell the home both to recoup their buying and operating costs and to make a profit.
Some companies are looking to profit on the down housing market. Deer Park Development Corporation, a Nevada-based company, is purchasing foreclosed homes in Arizona, Nevada, California and Florida, some of the areas most affected by the down market. Nevada, for example, sees more foreclosures than any other state -; million-dollar properties can be bought for half their building costs. Between May and June, Californian banks foreclosed on 40 percent of the homes on the market.
Deer Park Development Corporation’s agents and brokers draw on 35 years of experience -; they have seen down markets before, so they can easily identify promising properties.
When Deer Park Development Corporation finds a home that it wants to acquire as an investment, it works with the homeowner or bank to purchase the home at a 50 percent discount.
But the company does not profit at homeowner’s expense. It negotiates with homeowners so that people can rent their homes after the sale. When the original homeowner’s lease expires, Deer Park Development Corporation allows former homeowners to repurchase their properties for a predetermined price. In this way, the company invests in the down market while also helping down-and-out homeowners.
Currently, the company is searching for investors. For more information, visit deerparkdevelopmentcorp.com.
Rising prices, depreciating property values and stagnant salaries are forcing many American homeowners to sell their homes.
(NewsUSA) - For many Americans, good credit isn’t here to stay -; rising costs are putting many formerly well-to-do homeowners behind on their mortgage payments.
In April 2008, delinquencies on prime loans, a $12 million dollar market, doubled. And the economy doesn’t look to have an upswing anytime soon. Home prices continue to drop. In July, the unemployment rate reached a four-year high. Homeowners face higher bills but make less money.
Adjustable mortgages, which were appealing when property values were on the increase and interest rates were low, now mire many Americans in financial danger zones. Some borrowers will see their interest and principal payments more than double even as their homes lose value. Many homeowners will not be able to cover their debts even if they sell their homes.
At the same time, banks feel more reluctant to approve or refinance loans. In this environment, default and bankruptcy rates look likely to increase. Between April and July, California alone reported 121,000 notices of default on loans.
Some companies are looking to navigate the down housing market, not only to turn a profit, but also to help homeowners recover their homes. For example, Deer Park Development Corporation, a Nevada-based company, buys foreclosed homes in Arizona, Nevada, California and Florida. With over 35 years of experience in real estate, the corporation’s brokers and agents know how to identify the homes that will turn a profit.
When the company finds a promising home, it works with the homeowner or bank to purchase the home at a 50 percent discount. The company negotiates with homeowners so that people can rent their homes after the sale. When the lease expires, Deer Park Development Corporation allows former homeowners to repurchase their properties at a predetermined price.
Currently, the company is searching for investors looking to profit from the down housing market. For more information, visit http://www.deerparkdevelopmentcorp.com .
(ARA) - Times are tight for Americans. Around every corner lurks more news about rising fuel prices, expensive food and families forced to leave their homes to make ends meet. According to RealtyTrac, home foreclosures in the first quarter of 2008 increased 23 percent from the previous quarter and jumped 112 percent from the first quarter of 2007. These increases in foreclosures have given rise to an unexpected problem: pet abandonment.
There are no figures to estimate the number of animals being abandoned or surrendered due to current economic hardships, but animal shelters across the country are taking in more animals every day as families find themselves without other options. Some families are taking advantage of shelters to temporarily board their pets with the hope of picking them up in a few days or weeks. Meanwhile, local authorities are seeing an increase in the number of pets being abandoned by their owners.
In Arkansas, three dogs were found starved to death in their kennels. The homeowners had left the dogs behind when they moved. Two dogs in San Diego were left at a vacant home for several months, but survived. In Downy, Calif., four birds were found abandoned in their cages.
But abandonment is never the answer, animal welfare experts say. “Whether it’s asking a friend to pet sit, finding an apartment that accepts animals, finding a local shelter that can help or asking your veterinarian for low-cost boarding, there’s always a humane option,” says Allie Phillips, director of public policy for the American Humane Association, the 130-year-old child and animal welfare organization.
To help struggling families find options, American Humane has put together a list of tips to help homeowners either relocate with their pets or find other safe placement options for them. Some of those tips include:
* Look for apartments and rental homes that will take pets.
* If you cannot take your pet, ask your veterinarian if you can receive low-cost boarding for your pet or set up a payment plan.
* Check www.petfinder.com for a list of shelters and rescue organizations in your area that can help board your animal or will accept it for adoption.
* Strongly consider taking your pet with you. The comfort and companionship of pets can help ease the strain of a move.
“There’s a lot of news about the stock market and a struggling economy lately, but it’s not the economy that’s struggling. It’s you, us, our friends and neighbors,” says Marie Belew Wheatley, president and CEO of American Humane. “It’s a tough place for any family to find themselves. Bills need to be paid and in order to make ends meet, sometimes sacrifices have to be made. It’s not easy, but pet abandonment isn’t the answer.”
Tip sheets for homeowners looking for ways to keep or care for their pets during a foreclosure can be found at www.americanhumane.org. Also available online are tip sheets for bank and mortgage companies that may find abandoned pets in vacated homes. In addition, local animal shelters may be eligible for grants from American Humane to help families stay with their pets.
Neighbors Can Help, Too
Often a neighbor can help authorities and animal welfare groups spot an abandoned animal before it’s too late. Neighbors should listen for animal sounds, look in windows, check with other neighbors and be on the lookout for signs that the previous homeowners had pets. If pets are known or suspected to be on the property, animal control should be called immediately. With a neighbor’s help, animal control can get a search warrant to enter the home and check for pets that are abandoned or neglected.
American Humane is quick to point out that animals left behind or simply set free will probably not survive. It can be weeks or months before a bank or mortgage company will visit an abandoned home to make an assessment or a neighbor notices that pets are trapped in a house. That’s too long for any animal to go without food and water. If abandoned, there is also a chance that the state criminal animal-cruelty laws might apply, even if arrangements are made for somebody to feed and water the animals after the home has been vacated.
“It’s a terrible situation for any family to find themselves in, but to leave an animal behind only makes it worse,” says Belew Wheatley. “It seems when times are tough we find the best in our friends, family and neighbors. If they’re unable to help there are always other options, from a vet to a local animal shelter. These are our family pets, and they count on us to take care of them.”
Visit http://www.americanhumane.org for more information.
(ARA) - When shopping for real estate, bigger used to mean better. But preferences are changing, particularly in a tight economy where every dollar needs to go further. A new aesthetic is taking hold, and it’s been dubbed “affordable luxury.”
“Affordable luxury means living within your means, and yet surrounded by beauty, style and convenience,” says builder Russ Walthall who, with his wife Vickee, has 25 years of experience designing and building custom homes. “Many people have discovered that they love the details of high-end, expensive homes, but they just don’t need as much space, and they don’t want to deal with all the maintenance that is involved with a large, single-family home.”
What’s driving the trend towards affordable luxury? The homebuying population is graying and the number of single-person households is rising. The population of Americans 65 and older will climb 147 percent between 2000 and 2050, the U.S. Census Bureau predicts. Meanwhile, the number of traditional households with children dropped 15 percent from 1960 to 2000, resulting in a 13 percent rise in the number of single-person households, according to a study by the Urban Affairs & Planning Department of Virginia Tech’s Alexandria campus. Another 6 percent drop is expected by 2040.
These two factors indicated an increase in the target market for affordable, yet well-appointed homes without excess space or upkeep.
What’s Hot in Town Homes
The key to reaching this growing target market, say the Walthalls, is making people feel pampered within a budget. They put their theory to the test by developing a 64-building community of four-unit town homes near Kansas City. The two- and three-bedroom units have been selling briskly, particularly among people with active lifestyles – young professionals, empty-nesters, couples without children and others looking for the flexibility and maintenance-free living afforded by a town home.
Buyers looking for affordable luxury are responding to the upscale touches at Tuscany Hills. Details such as:
* Exterior finishes that marry stone accents and maintenance-free vinyl siding that mimics the look of hand-stained wood, like warm, rich Timber Oak Ascent vinyl siding.
* Storm doors and dusk-to-dawn lighting outside homes.
* Interior details such as crown molding, bronze lighting fixtures, Hunter Douglas blinds, fireplaces and, in some cases, custom cabinets and flat-screen TVs.
* Fiber-optic networks that allow users to connect quickly to the outside world, making it easier than ever for retirees, career-changers, entrepreneurs and others to work from home.
Empty Nesters Find New Nest Well Feathered
That magic combination of style and structure is what appealed to empty nesters Doug and Marilyn Blauser, who recently moved from Colorado and purchased a two-bedroom, single-story town home in the Walthalls’ Tuscany Hills development. They feel they got a great value.
“Twice before, we’ve purchased newly constructed homes,” says Marilyn. “In those homes, we had to paint, put up trim and install shelves ourselves. In this case, we liked that all the details were taken care of. We have 1,071 gorgeous square feet. It feels like they took the amenities of a $400,000 home and put them in an affordable house. It’s perfect for us.”
The Walthalls predict that the trend of affordable luxury will continue, even beyond the current economic downturn. As Vickee says, “Downsizing doesn’t have to mean downgrading anymore.”
For more information about Tuscany Hills, visit www.tuscanyhills.info . For more information about Timber Oak Ascent, visit www.variform.com .
(NewsUSA) - Firefighting technology evolves constantly. New climate-control suits and vital-signs monitors help firefighters stay safe.
But what aids firefighters can also help homeowners, especially when new technologies reduce property damage caused by firefighting equipment.
In 2005, home fires caused $6.7 billion in damages. Most of that damage wasn’t caused by the fires, but by the high-pressure water hoses used to extinguish them. Water damage accounts for as much as 70 percent of damage to houses during a fire.
Fighting structure fires -; fires in closed spaces, like homes -; can be dangerous for firefighters. In a room or basement, fires can reach high temperatures quickly. Firefighters might find only one way into or out of a fire.
But firefighters now use new tools to reduce their risk. One company, ARA Safety, has developed the innovative Fire Interruption Technology-5 (FIT-5). The handheld FIT-5 works like an anti-fire hand grenade.
Firefighters pull a rip cord at the top of the 9 pound unit, then throw the FIT-5 into a burning structure. Within 10 seconds, the FIT-5 sprays a non-toxic aerosol powder in all directions.
Oxygen levels are not affected. Indoor temperatures can drop from1,000 to 300 degrees, giving firefighters a safer environment in which to enter a structure, fight the remaining fire and rescue victims.
Using the FIT-5 knocks down fires quickly without relying on pressured water. What helps make firefighting safer can also reduce property damage and insurance claims.
In Port Jervis, New York, firefighters used a FIT-5 to enter a house fire. After dousing the fire with the FIT-5, firefighters later found a propane tank nearby. If the propane tank had exploded, the entire home might have been destroyed.
The FIT-5 extinguishes contained fires in spaces up to 1,700 cubic feet, so it can work in rooms, boats and vehicles. It also slows fires in larger rooms.
Insurance companies realize the FIT-5’s usefulness, and many insurance policies will pay to replace used FIT-5s.
ARA Safety is currently developing a version of the FIT-5 for homeowners. Soon, homeowners will not only benefit from firefighters’ new technology, they will also be able to use state-of-the-art fire safety equipment at home.
(ARA) - If a fire destroyed your spacious four-bedroom home, complete with landscaping, home theater and wine cellar, would your insurance carrier expect you to live in a small one-bedroom apartment throughout the yearlong process of planning and building your new home? And what if the insurer limited your new home’s design to a modest cracker box, because your policy only covered “insured value” rather than “replacement value”?Then you would know that all homeowner policies are not created equal.
In the event of a loss, it’s important that your lifestyle be protected and restored as completely as possible — starting with your temporary accommodations. And when your home is rebuilt, the last thing you need is to be told there’s a limit to how much you can spend to replace what you had.
How do some homeowners completely restore their houses and lifestyles while others are forced to haggle over additional out-of-pocket costs? The fact is that not all insurance policies are the same. As your life changes, your insurance needs become more complex and your old mass-market insurance policy might not be keeping pace.
In other words, as your lifestyle moves up from a discount store to Rodeo Drive, you begin to consider more than just price. The amount of choice, flexibility and value built into your homeowner’s policy becomes more important.
The Replacement Gap
It is often at the critical juncture of a loss that homeowners learn their insurance has not kept pace with their home’s replacement value.
“It you have owned your home for 20 years and you have the mass-market policy you first bought with that home, it’s very possible your insurance has not kept up,” says Mitch Ziemer, product director for Fireman’s Fund Insurance Company. “Factors include inflation, value of contents, and even building codes, which may require a different kind of construction. A homeowner wants to be sure those costs are known — and covered as long as they own their home.”
Some policies insure only for actual cash value while others cover replacement costs. What’s the difference? When actual cash value is used, the policyholder is entitled to the depreciated value of the damaged property. So the older the item is, the less money you may receive to replace it.
You’ll want a policy that pays the complete replacement cost — including rare and custom work. Under replacement cost coverage, the policyholder is reimbursed the amount it costs to replace the property and its contents with something of a similar type and quality at current prices.
For example, your Italian marble floors would be covered for the cost of the materials and installation — even if these costs are higher at the time of replacement than they were for the original installation. The policy would also rebuild your downstairs home theater, your wine cellar, and even replace and replant your landscaping.
You should also seek a policy from an insurer like Fireman’s Fund that provides the added benefit of a loss of use limit that is much higher than the industry standard. This coverage pays all comparable living expenses (compared to a predefined limit) you incur while your home is being rebuilt. And if you don’t want to rebuild in the original location, you have the option to receive a cash settlement, which is also not offered by many other insurers. Plus, when you do rebuild, you can work with the contractor of your choice, not the insurance company’s.
An additional benefit to seek in your policy is a loss of use limit that is much higher than the industry standard. This coverage pays living expenses you incur while your home is being rebuilt. And if you don’t want to rebuild in the original location, you have the option to receive a cash settlement, which is also not offered by many insurers.
“To get an accurate value to assess risk, you need experts who know the market, your home, and your possessions,” Ziemer says. Unlike the mass-market approach, a company like Fireman’s Fund provides this kind of on-site expertise as part of the homeowner’s policy.
It’s this approach that serves the specific lifestyles of individuals and families with valuable assets and possessions. While perhaps a little lower in price, mass-market policies may not facilitate the concept of the individual experience, nor are they likely to provide coverage for your way of life. In many cases, they do not even insure the full replacement value of your home.
(ARA) - If a fire destroyed your spacious four-bedroom home, complete with landscaping, home theater and wine cellar, would your insurance carrier expect you to live in a small one-bedroom apartment throughout the yearlong process of planning and building your new home? And what if the insurer limited your new home’s design to a modest cracker box, because your policy only covered “insured value” rather than “replacement value”?Then you would know that all homeowner policies are not created equal.
In the event of a loss, it’s important that your lifestyle be protected and restored as completely as possible — starting with your temporary accommodations. And when your home is rebuilt, the last thing you need is to be told there’s a limit to how much you can spend to replace what you had.
How do some homeowners completely restore their houses and lifestyles while others are forced to haggle over additional out-of-pocket costs? The fact is that not all insurance policies are the same. As your life changes, your insurance needs become more complex and your old mass-market insurance policy might not be keeping pace.
In other words, as your lifestyle moves up from a discount store to Rodeo Drive, you begin to consider more than just price. The amount of choice, flexibility and value built into your homeowner’s policy becomes more important.
The Replacement Gap
It is often at the critical juncture of a loss that homeowners learn their insurance has not kept pace with their home’s replacement value.
“It you have owned your home for 20 years and you have the mass-market policy you first bought with that home, it’s very possible your insurance has not kept up,” says Mitch Ziemer, product director for Fireman’s Fund Insurance Company. “Factors include inflation, value of contents, and even building codes, which may require a different kind of construction. A homeowner wants to be sure those costs are known — and covered as long as they own their home.”
Some policies insure only for actual cash value while others cover replacement costs. What’s the difference? When actual cash value is used, the policyholder is entitled to the depreciated value of the damaged property. So the older the item is, the less money you may receive to replace it.
You’ll want a policy that pays the complete replacement cost — including rare and custom work. Under replacement cost coverage, the policyholder is reimbursed the amount it costs to replace the property and its contents with something of a similar type and quality at current prices.
For example, your Italian marble floors would be covered for the cost of the materials and installation — even if these costs are higher at the time of replacement than they were for the original installation. The policy would also rebuild your downstairs home theater, your wine cellar, and even replace and replant your landscaping.
You should also seek a policy from an insurer like Fireman’s Fund that provides the added benefit of a loss of use limit that is much higher than the industry standard. This coverage pays all comparable living expenses (compared to a predefined limit) you incur while your home is being rebuilt. And if you don’t want to rebuild in the original location, you have the option to receive a cash settlement, which is also not offered by many other insurers. Plus, when you do rebuild, you can work with the contractor of your choice, not the insurance company’s.
An additional benefit to seek in your policy is a loss of use limit that is much higher than the industry standard. This coverage pays living expenses you incur while your home is being rebuilt. And if you don’t want to rebuild in the original location, you have the option to receive a cash settlement, which is also not offered by many insurers.
“To get an accurate value to assess risk, you need experts who know the market, your home, and your possessions,” Ziemer says. Unlike the mass-market approach, a company like Fireman’s Fund provides this kind of on-site expertise as part of the homeowner’s policy.
It’s this approach that serves the specific lifestyles of individuals and families with valuable assets and possessions. While perhaps a little lower in price, mass-market policies may not facilitate the concept of the individual experience, nor are they likely to provide coverage for your way of life. In many cases, they do not even insure the full replacement value of your home.
(ARA) - Homeowners refinance for a variety of reasons including to take cash out of their home equity to make home improvements, to consolidate debt, and to move from an adjustable-rate mortgage to a predictable, fixed-rate mortgage. Depending on the current interest rate, many homeowners who refinance may save money on their monthly mortgage payment, or even adjust their mortgage to shorten the term (on the length) of the loan.
As more and more consumers head online to shop for a variety of products and services, shopping online to refinance a mortgage has become commonplace. The ease and convenience of gathering information and applying for a refinance at any time of day or night is perhaps the biggest reason time-crunched Americans have been flocking to the Web.
“Refinancing online often makes the process much more simple and certainly more convenient,” says Frank Destra, managing director and senior vice president of national sales for Internet lender, Ditech. “The convenience of shopping for a mortgage directly from your home or office, on your own time, is one of the primary reasons there has been an increased demand for online lenders. Many people conduct all of their financial transactions online already, so ‘why not get your mortgage online too?’ seems to be a much more common attitude.”
Another benefit of refinancing online is that many mortgage lenders’ Web sites have a wealth of free educational information available to help you learn about the overall refinancing process. You will find articles and tools that may help you decide if refinancing might be a good option. For example, Ditech has a refinance calculator that can help determine how many months you will need to live in your home to recoup the cost of refinancing.
So what are some of the refinancing options you might want to consider before you boot up the computer? Consider this:
* A fixed-rate mortgage has an interest rate that stays the same throughout the entire life of the loan, so your monthly mortgage payment of principal and interest will not rise in the future. Refinancing from an adjustable-rate mortgage into a fixed-rate mortgage may provide you with peace of mind knowing that your new interest rate will not reset to a higher rate.
* Roll-down refinancing allows you to include the refinancing fees in the mortgage, so you will not have to pay costs up front.
* Cash-out refinancing allows homeowners with enough equity in their home to take out cash when they refinance to pay for other expenses such as a wedding, college or a home remodeling project, or possibly even to invest.
* A 15-year or 20-year fixed-rate mortgage will shorten the life of your loan, and may allow you to get a lower mortgage rate, but your monthly mortgage payment will be higher than with a 30-year fixed-rate mortgage.
* Refinancing with a traditional 30-year mortgage, will help reduce the monthly mortgage payment by extending the term of your current loan.
As you consider refinancing your home, be sure to check out the convenient and competitive options that may be available to you from online mortgage lenders. Your next mortgage may be only a click away.
To learn more about refinancing, visit www.ditech.com or call Ditech at (800) 715-3483.
(ARA) – Investing in a vacation property is an investment in memories. It promotes relaxation and spending quality time with friends and family. But with all the options available, there are a lot of things that should be considered before making a final decision.
“Choosing the right vacation property is complex,” comments Steve Greer, CEO at The LUSSO Collection, an organization that specializes in luxury vacation residences. “It’s not as simple as buying a second home or participating in a shared-usage program. People need to take a close look at their expectations and all the cost considerations, so years down the road they are happy with their choice.”
Second-home ownership is one option. This could include buying a home by the slopes, a villa on the beach, or a penthouse in the city. Club membership is another option. This is a situation in which a group of people share the use of a collection of properties. Here’s how both of these options compare:
Second Home — Vacation homes are permanent destinations that work well for those who know they enjoy one area, want to return time and time again and might need to stay for an extended period of time.
* Positive
Owning the home gives the person the freedom to decorate, organize and change the home to fit their needs.
* Negative
Home maintenance often takes a lot of time and can be costly. If you live away from your vacation home for most of the year, you will need to hire someone to clean and care for the yard. When you are at the property, this maintenance can take time away from more preferred activities. And with any home ownership, there is bound to be unanticipated problems and expenses.
“Owning a second home is an option that seems to make sense in the beginning, but if you investigate the restrictions and maintenance costs associated with this ownership, many people think twice,” comments Greer.
Destination Clubs — Destination clubs consist of members who join a country club type of organization to utilize a portfolio of properties that the club owns.
* Positive
The clubs work well for people who enjoy the privacy, space and conveniences a home offers, but don’t want to be tied down to just one location. Additionally, members don’t have to worry about maintenance because the organization takes care of each property. Certain destination clubs also provide vacation planning and on-site concierge services that you would normally find at a luxury hotel.
* Negative
Decor and amenities are determined by the club. Although this freedom is forfeited, this could also be viewed as a positive depending on what you value. Some people prefer not to spend their own time on these items and find comfort in knowing the organization is consistently keeping the properties in top shape.
Chris Cowan of Dallas, Texas, has experienced the hassles of second-home ownership and decided to become a member of the LUSSO Collection. “My wife and I have owned mountain houses, ranches, and still have a lake house. LUSSO is such a relief. They eliminate the maintenance, staffing, and upkeep hassles,” comments Cowan.
With a single-tier membership structure and a members-to-residence ratio of 5.5-to-1, LUSSO is a choice that makes sense for a lot of people. Residences are fully equipped with all needed items including a Lincoln Navigator, golf clubs, a gourmet kitchen stocked with pre-arrival groceries and amenities for all travelers regardless of age.
With an economic structure that is similar to a country club, members pay a fully refundable deposit (currently $425,000) and annual dues for unlimited access to the club’s portfolio of residences and services. Properties are in locations such as Lake Tahoe, Calif.; Cabo San Lucas, Mexico; Aspen, Colo.; Manhattan; Hawaii; the Bahamas and other choice destinations. For more information, visit www.lussocollection.com, or call (866) GO LUSSO.
The National Foundation for Credit Counseling (NFCC) is pleased to announce that it has received the highest grant award totaling $15 million from NeighborWorks® America to support foreclosure prevention efforts through its Member Agencies.
Triangle Family Services will receive $31,320 for counseling services alone, as a part of this grant. The money will be used for housing programs and to provide counseling to homeowners in danger of foreclosure in Wake, Durham, and Surrounding Counties. “Foreclosure prevention is critical not only to the homeowner and his/her family, but to the community as a whole,” said Leslie Barber, Director of Consumer Credit Counseling and Emergency Housing Assistance, with Triangle Family Services.
The NFCC grant is part of $130 million in federally appropriated funds awarded through NeighborWorks® America¹s National Foreclosure Mitigation Counseling Program to 16 HUD-approved Housing Counseling Intermediaries, 32 State Housing Finance Agencies, and 82 community-based NeighborWorks® organizations to provide counseling to families and individuals facing the threat of foreclosure.
Approved by Congress in the FY08 Consolidated Appropriations Bill, the National Foreclosure Mitigation Counseling Program is administered through a competitive application process by NeighborWorks® America, within guidelines defined by Congressional legislation. NeighborWorks® America is an independent, Congressionally-chartered nonprofit organization based in Washington, DC, with a mission to provide access to sustainable homeownership and safe, affordable rental housing.
Consumers reaching out to Triangle Family Services for foreclosure prevention counseling can expect an in-depth analysis of their situation with a certified housing counselor who is willing to take the time to find the resolution option best suited to the individual¹s specific needs. The counselor is trained and experienced, able to advocate on behalf of the consumer with the lender. To reach a certified housing counselor today, consumers can call Triangle Family Services at 919-821-0790 X 307. Triangle Family Services offers 2 convenient locations in Raleigh and Durham.
About Triangle Family Services:
Triangle Family Services (TFS) is a local United Way agency helping families and children throughout the Triangle. Established in 1937, it is one of the oldest and most comprehensive nonprofits in the region. All of our services are confidential and nationally accredited by the Council on Accreditation. Through skilled and compassionate care, TFS annually helps more than 5,000 Triangle families and individuals achieve Financial Security, Family Safety, and Mental Health. For more information about Triangle Family Services, visit http://www.tfsnc.org .
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