Summary
Overview
Work History
Skills
Accomplishments
Certification
Timeline
Specialized Duties
Generic

Michelle Crockett

Dorchester,MA

Summary

Effective communication with people in educating, advocacy and problem resolution. I passionate about empowering people to overcome barriers.

Overview

18
18
years of professional experience
1
1
Certification

Work History

Foreclosure Prevention Manager

MAHA
05.2023 - Current

Counseled homeowners regarding viable options for sustainability or to sell the property. Also, worked with the state agency to service homeowner that were financially impacted by COVID 19 to receive assistance through the Homeowner Assistance Fund. Participated in the review committee for assistance over $50K. Worked with the homeowner and lenders to bring resolution to prolonged delinquency cases, especially loan servicing issues. Assisted homeowners to present complete and solid cases for loss mitigation. Provide resources to homeowner seeking funds for home repair and relief from forced placed insurance. Initiated conversations with the City of Boston regarding condo ownership and non-warrantable lending status and the detrimental impact and potential solutions. Provide foreclosure prevention for Massachusetts Housing Partner, MHA's first-time homebuyer mortgage programs.

Certified Home Advisor

Massachusetts Affordable Housing Alliance
12.2010 - Current
  • Provide foreclosure prevention counseling for Massachusetts Homeowner Assistance Fund to applicants financially impacted by COVID.
  • Educator and facilitator for the specialized Woman to Woman Workshop.
  • Assess program participants’ financial capacity and give guidance in the homebuying process.
  • Created a curriculum and taught for MAHA’s First Generational Savings Match Program: STASH.
  • Inform homeowners of viable options to sustain homeownership and their rights pertaining to foreclosure.

Homebuyer Counselor

Massachusetts Affordable Housing Alliance
04.2007 - 12.2010
  • Scheduled classes and interviewed presenters for MAHA classes offered as a part of their programs.
  • Registered and provided resources to walk in clients and responded to homebuyers’ daily emails and voicemails.
  • Educated prospective homebuyers on the home buying process.
  • Certified homebuyer’s household income for the Soft Second Program.
  • Performed individual credit counseling sessions for graduates.
  • Prepared the literature for the homebuyer workshops.
  • Monitored and prepared client data for HUD quarterly report.

Skills

  • Effective negotiation skills

Accomplishments

    HUD Certified Housing Counselor 2/2019

Certification

  • HUD Certification February 2019
  • NCHEC Foreclosure Intervention and Default Counseling July 2008
  • NCHEC Pre Purchase Homeownership Education September 2007

Timeline

Foreclosure Prevention Manager

MAHA
05.2023 - Current

Certified Home Advisor

Massachusetts Affordable Housing Alliance
12.2010 - Current

Homebuyer Counselor

Massachusetts Affordable Housing Alliance
04.2007 - 12.2010

Specialized Duties

  • Finance Counseling
  • Meet with homeowners to establish a crisis budget to ensure affordability.
  • Provide refinance, subordination and Section 8 to Homeownership counseling referred by MHP, the state administrator for the ONE and Soft Second Mortgage Programs and give recommendations for subordination.
  • Counsel condo owners regarding defaulted condo fees and homeowners whose homeowner insurance has expired.
  • Instruct borrowers on how to improve their credit score and to achieve financial stability.
  • Refer homeowners to the necessary community resources such as home repair, fuel assistance and weatherization programs.
  • Advocate on the behalf of the homeowner to the lender and present potential workouts.
  • Conduct conference calls to third parties on the behalf non-English speaking homeowners to prevent suspension of services.
  • Assist in preparing hardship letters for modifications and applications for assistance.


Michelle Crockett