No stored Google rating available.
HUD-approved housing counseling agency providing free guidance on homeownership, financial stability, and affordable housing solutions nationwide.
Data compiled from public sources
NID Housing Counseling Agency is a HUD-approved intermediary and multifaceted advocacy network that connects advocacy groups, housing counselors, real estate professionals, community organizations, and faith-based groups to support housing initiatives across the nation. The organization operates as a dynamic resource and education hub rather than a traditional lending or credit repair firm. They provide free housing counseling services including homebuyer workshops, financial stability coaching, and personalized guidance to help individuals navigate the path to homeownership. Their work includes connecting clients with down payment assistance programs and supporting them through the mortgage qualification process.
NID offers a comprehensive range of housing-focused services including connections to HUD-certified counselors, homebuyer education workshops, counselor training programs, and community events focused on affordable housing development. They maintain partnerships with educational institutions (HUCBs and MSIs) to develop student housing solutions and work to eliminate housing disparities. The agency emphasizes advocacy efforts to improve access to quality housing and mortgage products. All counseling services are provided with no listed cost to clients, with a 48-hour response commitment on inquiries.
What distinguishes NID Housing is their position as a HUD-approved intermediary with a national network structure rather than a single office operation. They demonstrate commitment to underserved populations through documented success stories—such as a client who secured $80,000 in down payment assistance and achieved homeownership in Atlanta, and another who reached homeownership after 2.5 years of financial stability counseling. The agency remained operational during the government shutdown, highlighting their essential role. They combine direct client counseling with professional training, community education, and institutional partnerships.
Honestly, the website provides limited detail about specific counseling methodologies, service areas, or response times beyond the general 48-hour commitment. There's no information about wait times, counselor credentials beyond "HUD-certified," or geographic coverage details. For consumers seeking immediate crisis intervention or emergency financial assistance, this organization's strength is long-term housing stability rather than rapid response. The focus is exclusively on housing rather than general credit or debt issues.
This is state-level context for Free Help consumers in Cleveland Heights, OH. It does not confirm that Nid-Hca Valentine or this specific location is licensed.
State regulator
Ohio Department of Commerce Division of Financial Institutions
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Nid-Hca Valentine offers 12 services including Free HUD-certified housing counseling, Homebuyer education workshops, Personalized homeownership guidance and coaching, Financial stability counseling and planning, Down payment assistance program connections, and 7 more.
Nid-Hca Valentine has profile signals associated with First-time homebuyers seeking free guidance on mortgage qualification and down payment assistance, Low-to-moderate income individuals working toward homeownership with professional support, People facing housing challenges who need advocacy support and community resources, Housing professionals and counselors seeking training and certification programs.
Key strengths: HUD-approved intermediary status ensures legitimate, federally-recognized housing counseling; All services are lists no monthly subscription, no fees to verify,; Offers both direct client counseling and professional counselor training programs. Areas to consider: Website lacks specific geographic service area details or branch location information; No information about counselor experience levels, specializations, or individual credentials.
In the Free Help category, comparable providers include Apprisen, Ciera Frazier Enterprise, Jewish Family Services. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
NID Housing Counseling Agency is profile signals for first-time homebuyers and individuals seeking free, professional guidance toward sustainable homeownership, especially those who qualify for down payment assistance programs. The main caveat is that this is a housing-focused organization, not a general credit counselor—they cannot help with credit repair, debt consolidation, or non-housing financial issues.
Apprisen is a 501(c)(3) non-profit credit counseling agency offering debt management, financial education, and personalized financial planning at no or low cost.
Google rating from 21 reviews
Profile signals: Consumers struggling with multiple debts who need creditor negotiation and structured repayment plans, First-time credit counseling seekers intimidated by credit reports and needing financial education
Licensed credit consulting firm in Columbus, OH offering free consultations and affordable credit counseling, repair, and business coaching services.
Google rating from 2 reviews
Profile signals: Columbus, OH residents seeking personalized credit counseling and building strategy from a local professional, Small business owners needing help establishing business credit and basic entrepreneurial coaching
Review this provider profile and compare source-linked details before choosing what to do next.
Google rating from 92 reviews
Profile signals: Consumers in Columbus, Ohio looking for credit repair services, People who prefer working with a local credit repair provider
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