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9215 N. Florida Ave, Suite 104

Tampa, FL 33612

(813) 932-HOME (4663)

Fax: (813) 932-4660

hud-certified housing
counseling agency

Making a Difference one Family at a Time

Why Choose Us?

For more than 20 years, Housing & Education Alliance has helped families overcome barriers to homeownership through trusted education and housing counseling.

From first-time buyer preparation to post-purchase support, we equip households with the knowledge and tools needed for sustainable homeownership and financial stability.

Our mission goes beyond buying homes — it is about building lasting futures.

Reaching people and making a difference

Supported

57,735

Families Served*

Secured

$163 M

In loans with downpayment assistance*

Achieved

11,500

Home Purchased*

Our Services

Empowering Individuals and Families Through Education, Counseling, and Housing Stability

First-Time Homebuyer Education

HUD-Approved | Online & In-Person | Bilingual

Our flagship First-Time Homebuyer Education program (HomeTRACK) prepares prospective buyers to make informed, responsible decisions throughout the homebuying process.

Services include:

  • HUD-approved 8-hour Homebuyer Education
  • Online, self-paced learning course (HomeTRACK)
  • Live virtual Zoom in-person classes (HUD-Certified Instructor-Led)
  • English and Spanish options
  • Certificates accepted by lenders and Down Payment Assistance (DPA) programs
  • Certificate validity : 2 Years
  • Unique Lending Options and layered Down Payment Assistance u-to $110,000
  • FREE HUD-Certified Instructor-Led class for City of Tampa and Orange County residents

Housing Counseling & Mortgage Readiness

One-on-One | HUD-Certified Counselors | Bilingual Counseling

Our experienced HUD-certified bilingual housing counselors provide personalized, one-on-one guidance to help clients become mortgage-ready and confidently navigate complex housing decisions.

Counseling areas include:

  • Budgeting and comprehensive financial assessment
  • Credit review and improvement strategies
  • Mortgage readiness and loan product options
  • Navigation of multiple and layered down payment assistance (DPA) programs
  • Pre-purchase housing counseling
  • Connection to a network of Top-10 performing local realtors experienced in first-time homebuyer programs including local, state, and lender-based assistance—to maximize affordability and purchasing power.

Post-Purchase Homeownership Support

Protecting Homeowners After the Purchase

HEA supports new and existing homeowners with education and one-on-one counseling designed to promote long-term housing stability, financial security, and confident homeownership beyond the closing table.

Our post-purchase education helps homeowners successfully transition from buying a home to sustaining it—protecting both the home and the household for years to come.

Topics include:

  • From homebuyer to homeowner — understanding the transition
  • Smart budgeting, home maintenance, and emergency preparedness
  • Home safety, insurance, property taxes, and disaster readiness
  • Credit, debt, and responsible home equity management
  • Estate planning, property heirs, and legacy planning
  • Avoiding scams, reducing foreclosure risk, and staying engaged with ongoing support

Rental & Tenant Counseling

Stability for Renters and Future Homebuyers

Housing and Education Alliance (HEA) assists renters with education and one-on-one counseling to help them secure, maintain, and sustain safe, stable, and affordable housing—while preparing those who aspire to transition into homeownership.

Services include:

  • Tenant rights and responsibilities education
  • Lease review and understanding, including key terms and obligations
  • Rental readiness education (screening criteria, documentation, budgeting)
  • Eviction prevention strategies and early intervention counseling
  • Guidance on communicating with landlords and resolving disputes
  • Budgeting support to maintain housing stability
  • Referrals to local rental assistance and community resources
  • Transition planning from renting to owning, including credit building and savings strategies

Foreclosure Prevention & Housing Stability

Helping Families Stay Housed | Sustaining Homeownership

HEA provides free, confidential housing counseling to households facing financial hardship or at risk of foreclosure. Our counselors help clients understand their options and develop a plan to stabilize their housing.

Support may include:

  • Foreclosure prevention and early intervention counseling
  • Loan modification, repayment plan, and forbearance option guidance
  • Mortgage delinquency assistance and servicer communication support
  • Housing stabilization planning and resource referrals

Disclaimer:
HEA does not currently provide direct financial assistance for foreclosure-related costs. All services are provided as free-of-cost counseling.

Financial Education & Credit Building

Building the Foundation for Homeownership | Bilingual

HEA’s financial education programs equip individuals and families with the knowledge and tools needed to strengthen their financial health and prepare for successful homeownership.

Courses and resources include:

  • Financial Management & Debt Reduction strategies
  • Credit Guide 101, including credit reports, scores, and improvement plans
  • Budgeting and savings strategies for housing stability
  • Financial readiness for homeownership and major financial decisions

These programs help participants build confidence, improve creditworthiness, and establish healthy financial habits that support long-term housing and economic success.

HEA’s Homeownership Support Packages

Structured guidance. Personalized support. Real results.

Choose the package that fits your journey toward stable and successful homeownership

First-Time Homebuyer Starter Package

  • First-Time Homebuyer Education Certificate
  • Soft Credit Check & Credit Review
  • Mortgage Readiness Assessment
  • Lender Referral to trusted partner institutions
  • Unlock the option of Down Payment Assistance.

$169/Application

Credit Repair & Financial Coaching Package

  • Soft Credit Pull with Comprehensive Analysis
  • Personalized 6-Month Credit Improvement Plan
  • Debt reduction, budgeting, and credit score improvement strategies.
  • coaching toward mortgage readiness.

$89/Student

Homeowner Stability Package

 
  • Post-Purchase Housing Counseling
  • Post-Purchase Housing Counseling
  • Foreclosure Prevention & Early Intervention Guidance
  • Foreclosure Prevention & Early Intervention Guidance
  • Property Tax & Insurance Cost Management Tips

$149/Student

Down Payment Assistance Package

  • Eligibility Review for Local & State DPA Programs
  • Soft Credit Check & Mortgage Readiness Review
  • Lender referral to programs offering unique lending options
  • Step-by-step guidance through application and documentation

$199/Application

Online Courses for Sustainable Homeownership

Credit Guide - How to Improve Your Credit Score

Financial Management Guide - Build Wealth. Manage Debt. Get Ready

POST-PURCHASE Guide
Homeownership Begins After Closing

Guide to Disaster Preparedness -
Resilient Living for Safer Communities

Ready to Rent?
Master Everything About Tenancy

Our Client Testimonials

With a 4.9-star rating from 859 Google reviews, Housing and Education Alliance is trusted by families across our community. These reviews reflect real experiences from individuals who have completed our homebuyer education and housing counseling programs and taken meaningful steps toward stable, informed homeownership.

google
This agent give the classes are awesome great job on taking your time on showing everything that we need to know as a first time home buyer Jannet,Gabriel there’s one more person I forgot his name but you guys are awesome😊😊😊💯❣️
google
google
Very educational class! Take advantage of everything they have to offer! Thank you Janet and Gabriel
google
I really enjoyed myself. This course was very informative. Thanks Janet and GABRIEL!
google
Janet and Gabriel are amazing!
google
Increíble!! Una buena clase para ser primer comprador de su casa. Janet es muy profesional. Mucha información que no sabía. Muchas gracias!!

Our Partners and Funders