Private Organization Accreditation

White's Residential & Family Services is Indiana's largest social services agency offering accredited and comprehensive residential, foster care, independent living, adoption, and home-based services.


Holy Family Institute

Sister Linda Yankoski, President/CEO

The Council On Accreditation provides all stakeholders involved in the delivery of social services the assurance that the organization is credible, effective, and is committed to quality improvement. The COA process is an important tool for anyone involved in leading an organization to establish best practices and maintaining and updating these practices over time.
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Clients who receive Financial Education and Counseling services learn to solve financial problems and gain personal financial management skills.

FEC 6: Housing Counseling and Education Services

The organization provides housing counseling and education services to inform and prepare the client for achieving and maintaining homeownership.

Note: If the organization provides evidence that it is a HUD approved housing counseling agency it is not required to demonstrate implementation of FEC 6.

NA The organization does not provide any housing counseling and education services.

NA The organization is a HUD approved housing counseling agency.

Rating Indicators
All elements or requirements outlined in the standard are evident in practice, as indicated by full implementation of the practices outlined in the Practice standards.
Practices are basically sound but there is room for improvement, as noted in the ratings for the Practice standards; e.g.,
  • Minor inconsistencies and not yet fully developed practices are noted, however, these do not significantly impact service quality; or
  • Procedures need strengthening; or
  • With few exceptions procedures are understood by staff and are being used; or
  • For the most part, established timeframes are met; or
  • Proper documentation is the norm and any issues with individual staff members are being addressed through performance evaluations (HR 6.02) and training (TS 2.03); or
  • Active client participation occurs to a considerable extent.
Practice requires significant improvement, as noted in the ratings for the Practice standards. Service quality or program functioning may be compromised; e.g.,
  • Procedures and/or case record documentation need significant strengthening; or
  • Procedures are not well-understood or used appropriately; or
  • Timeframes are often missed; or
  • A number of client records are missing important information  or
  • Client participation is inconsistent; or
  • One of the Fundamental Practice Standards received a rating of 3 or 4.
Implementation of the standard is minimal or there is no evidence of implementation at all, as noted in the ratings for the Practice standards; e.g.,
  • No written procedures, or procedures are clearly inadequate or not being used; or
  • Documentation is routinely incomplete and/or missing; or  
  • Two or more Fundamental Practice Standards received a rating of 3 or 4.

Table of Evidence

Self-Study Evidence On-Site Evidence On-Site Activities
    • A description of services
    • Housing counseling procedures
    • Housing education materials provided to clients
    • Program evaluations or other documents assessing the educational needs of the consumers and describing the organization’s housing counseling and education services
    • Educational program curricula
    • Information about individual and group counseling and education programs including program dates, subjects, number of participants, and participant evaluations
    • HUD certificate, as applicable
    • Interview:
      1. Program director
      2. Relevant personnel
      3. Clients
    • Review client files

  • FEC 6.01

    The organization provides clients with pre-purchase homebuying counseling and education that includes:

    1. how to assess readiness to purchase a home;
    2. the benefits and responsibilities of owning a home;
    3. an overview of the homebuying and mortgage loan process;
    4. how to calculate the affordability of owning a home; and
    5. the importance of setting financial goals and maintaining good credit.

    Interpretation: The organization assists in developing a budget that identifies projected costs of homeownership to help the client assess his or her readiness to purchase a home.

    Interpretation: Regarding element (d), counselors should ensure that clients understand the impact that debt has in reference to mortgage affordability, including credit card, personal, consumer, and student loan debt.?

    NA The organization does not provide pre-purchase homebuying counseling and education.

  • FEC 6.02

    Clients receive counseling and education regarding home financing that address:

    1. appropriate types and sources of mortgage loans;
    2. understanding how lenders evaluate credit and determine mortgage readiness;
    3. how to avoid predatory loans;
    4. resources available to assist with home purchases;
    5. what to do if the loan is denied; and
    6. loan closing costs and procedures.

    Interpretation: The organization reviews the client’s credit report, when available, to provide a greater understanding of how lenders evaluate credit and determine mortgage readiness.

    NA The organization does not provide pre-purchase homebuying counseling and education.

  • FEC 6.03

    Education and counseling prepare clients to shop for and select a home by providing information about:

    1. the professionals involved in the real estate and homebuying process;
    2. making an offer;
    3. having a purchase contract;
    4. home inspections; and
    5. escrow funds.

    NA The organization does not provide pre-purchase homebuying counseling and education.

  • FEC 6.04

    Housing education and counseling address home maintenance and financial management topics including:

    1. homeowner rights and responsibilities;
    2. organizations that provide resources to assist with financial issues;
    3. costs associated with utilities, taxes, insurance, and maintenance;
    4. energy efficiency;
    5. community involvement;
    6. refinancing, reverse mortgages, home equity loans, and home improvement loans; and
    7. calculating home equity.

    NA The organization does not provide home maintenance counseling and education.

  • FEC 6.05

    Clients receive information to prevent or resolve mortgage delinquency that addresses, as applicable:

    1. identification of the status of the client’s mortgage;
    2. a budget that includes a review of income, living expenses, and other debts;
    3. the repercussions of a defaulted mortgage and foreclosure;
    4. the client’s options to resolve the mortgage crisis; and
    5. services available that can provide assistance and relief for the client’s current crisis.

    NA The organization does not provide mortgage delinquency counseling and education.

  • FEC 6.06

    The organization provides information regarding rental options, including:

    1. HUD rental, rent subsidy programs, and other federal, state, and/or local assistance;
    2. fair housing;
    3. landlord tenant laws;
    4. lease terms;
    5. rent delinquency; and
    6. housing search resources.

    NA The organization does not provide rental counseling and education.

  • FEC 6.07

    Clients receive counseling and education regarding reverse equity mortgages that includes:

    1. the benefits and disadvantages of a reverse equity mortgage;
    2. client eligibility;
    3. payment options;
    4. the fees and associated costs of the reverse equity mortgage product;
    5. time sensitivity issues related to the mortgage; and
    6. indicators for foreclosure, such as death, sale of the property, or insurance or tax delinquency.

    NA The organization does not provide reverse equity mortgage counseling.

  • FEC 6.08

    Organizations assist homeless individuals, as needed, and provide information and services, either directly or through referral, regarding transitional housing, emergency shelters, and other emergency services.

    Note: See also FEC 11 regarding Referrals and System Collaborations.

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