NID Housing Counseling Agency

What NID Housing Counseling Agency does

NID Housing Counseling Agency is a private nonprofit organization and HUD-approved national intermediary founded in 1985 by Ray Carlisle Sr. and headquartered in Oakland, California. The organization delivers a comprehensive suite of HUD-approved housing counseling and education services, including homebuyer education, reverse mortgage (HECM) counseling, foreclosure prevention, post-purchase education, and rental housing financial management, targeting first-time homebuyers, seniors aged 62+, at-risk homeowners, and underserved communities, with a particular focus on African American and minority populations. NID operates through a network of 42 certified branch offices across 22 states, staffed by certified HUD counselors and managed via an internal NID Management Platform designed to scale to 120 branch offices, supplemented by virtual and remote counseling delivery.

The organization's business model is primarily grant-funded: core housing counseling services are delivered free of charge to end clients, with operating revenue derived from HUD and federal grants, sub-grants, and partnerships with government-sponsored enterprises (Fannie Mae, Freddie Mac), major banks (Chase, Bank of America), and advocacy organizations (NAACP, NCRC, NeighborWorks America). The only direct-to-consumer revenue stream is a $99 online homebuyer certificate course delivered via a partnership with eHome America. Additional revenue is generated through professional training programs for housing counselors, nonprofit agencies, and HBCU/MSI institutions, with scholarship opportunities available for select programs. The technology stack is modest: a Wix-hosted website, a Clover Leaf CMS client portal, and rebuilt network infrastructure supporting video conferencing and webinars, with no disclosed AI/ML capabilities.

Go-to-market is hybrid and community-led, combining direct-to-consumer intake (48-hour callback on contact forms, 1-833-364-3422 hotline), referral pipelines from HUD, GSEs, and HBCU partners, and event-driven engagement through workshops, webinars, and YouTube content. NID's HBCU/MSI Initiative (with Dillard University, Southern University of New Orleans, Oakwood University, Laney College, and Elizabeth City State University) represents an institutional channel for financial literacy, scholarship, HUD certification preparation, and counseling delivery. The organization is founder-controlled under Carlisle family leadership, with no external private equity, venture capital, or institutional investor ownership evidenced.

Name

NID Housing Counseling Agency

Legal name

NID Housing Counseling Agency

Website

https://nidhousing.com

Company type

Private

Founded year

1985

Operating status

Operating

Headcount range

101–250 employees

Short description

NID Housing Counseling Agency is a HUD-approved national intermediary nonprofit founded in 1985, providing free homebuyer education, reverse mortgage counseling, foreclosure prevention, and post-purchase education through 42 branch offices across 22 states, serving first-time buyers, seniors, and underserved minority communities.

Ownership category

akta.pro rank

Product category

Housing Counseling Services

NAICS

Administration of Housing Programs (925110)

akta.pro primary industry

Housing Counseling, Foreclosure Prevention & Loss Mitigation Programs (FSALAKAM)

akta.pro secondary industries

Reverse Mortgage Counseling & Consumer Education (HUD-Approved) (FSALAIAG), Loss Mitigation & Home Retention Servicing (Modifications/Forbearance/Repayment Plans) (FSALAEAG), Mortgage Delinquency & Foreclosure Prevention Counseling (FSAEAFAF)

Keywords

• Housing counseling services
• Foreclosure prevention
• Homebuyer education
• Reverse mortgage counseling
• HUD-approved counseling

Headquarters

HQ city

Oakland

HQ country

United States

HQ region

North America

Offices24 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. HUD-Approved Housing Counseling Services: NID serves as a HUD-approved national intermediary providing free housing counseling services to individuals and families. Services are funded through government grants and sub-grant programs rather than direct client fees.
2. Online Homebuyers Certificate Course: Online homebuyer education course offered through partnership with eHome America. Course fee is $99.00, non-refundable. Provides certificate of completion after course completion and counseling session.
3. Professional Training Programs: Agency training programs for housing counseling agencies, HUD-certified counselors, nonprofit professionals, colleges, universities, HBCUs, and workforce development partners. Training includes certification prep, workforce development, and professional development courses.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels8 records

Core offering

NID Housing Counseling Agency is a HUD-approved national intermediary that delivers free housing counseling and education services through 42 certified branch offices in 22 states. Its core offerings span the full homeownership lifecycle: Homebuyer Education, Reverse Mortgage (HECM) Counseling, Foreclosure Prevention, Post-Purchase Education, and Rental Housing and Financial Management guidance. It also runs paid professional training programs for housing counselors, agencies, and educational institutions, plus an online homebuyers certificate course through eHome America.

Product overview

NID Housing Counseling Agency offers a comprehensive suite of HUD-approved housing counseling and education services delivered through a network of 42+ certified branch offices across 22 states. The core offerings include the Homebuyer Education Program, Reverse Mortgage (HECM) Counseling, Foreclosure Prevention, Post-Purchase Education & Counseling, Rental Housing & Financial Management, Virtual/Remote/In-Person Counseling, and an Online Homebuyers Certificate Course (via eHome America partnership). Additional services include Counselor Training, HBCU/MSI Initiative, and Agency Training programs. Services are provided free of charge to clients and are designed to support individuals and families throughout their housing journey, from initial homeownership preparation through post-purchase stability.

Differentiator

Problem solved

Functional benefit

Products and services

• Homebuyer Education Program

Quantifiable outcome

• Clients receive down payment assistance (example: $80,000 in Atlanta program)
• +1 more outcomes

Named customers7 records

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature3 records

Partnerships

18 partnerships are on record, tiered core and regional.

• National Association for the Advancement of Colored People (NAACP)coreStrategic or Co-development PartnerPartnership focused on enhancing financial literacy, preventing foreclosure, and promoting sustainable homeownership among minority populations through essential housing counseling services.
• United States Department of Housing and Urban Development (HUD)coreStrategic or Co-development PartnerNID serves as a HUD-approved national intermediary, providing comprehensive housing counseling services that align with federal housing policies and programs.
• National Community Reinvestment Coalition (NCRC)coreStrategic or Co-development PartnerCollaboration to advance fair lending and housing opportunities for underserved communities through advocacy, policy initiatives, and education to promote economic justice and equitable housing access nationwide.
• National Industry Standards for Homeownership Education and CounselingcoreStrategic or Co-development PartnerNID adheres to the guidelines set by this organization to ensure delivery of high-quality housing counseling services that are effective, credible, and designed to meet prospective homeowner needs.
• Arizona Housing Finance AuthorityregionalStrategic or Co-development PartnerPartnership offering comprehensive housing counseling services, ensuring residents receive guidance on affordable housing options, financial education, and support to achieve sustainable homeownership.
• Federal Home Loan Mortgage Corporation (Freddie Mac)coreStrategic or Co-development PartnerPartnership providing comprehensive housing counseling services, focusing on educating and supporting potential homebuyers to enhance homeownership opportunities and promote sustainable housing solutions.
• Dillard UniversityregionalStrategic or Co-development PartnerHBCU partnership providing comprehensive housing counseling services and educational resources to the community to empower individuals with knowledge and tools for sustainable homeownership and financial stability.
• Oakwood UniversityregionalStrategic or Co-development PartnerHBCU partnership providing comprehensive housing counseling services to university students and community members, enhancing educational opportunities and support for sustainable homeownership and financial literacy.
• Chase BankcoreStrategic or Co-development PartnerStrategic partnership to enhance financial literacy and homeownership opportunities within underserved communities, providing essential resources and support to help individuals achieve financial stability and secure affordable housing.
• Bank of AmericacoreStrategic or Co-development PartnerSynergistic partnership providing comprehensive housing counseling services to underserved communities, enhancing accessibility of financial education and homeownership resources.
• Fannie MaecoreStrategic or Co-development PartnerPartnership offering comprehensive housing counseling services that support homeownership and financial literacy, leveraging Fannie Mae's resources and programs to help clients navigate the housing market.
• Ohio Housing Finance AgencyregionalStrategic or Co-development PartnerPartnership providing comprehensive housing counseling services with resources and support to Ohio residents seeking assistance with homeownership and financial stability.
• Elizabeth City State UniversityregionalStrategic or Co-development PartnerDynamic partnership integrating academic and practical approaches to housing counseling, enhancing educational experience for students while addressing community housing needs.
• Laney CollegeregionalStrategic or Co-development PartnerSynergistic partnership providing comprehensive housing counseling and education services to the community, empowering individuals and families in achieving sustainable homeownership.
• NeighborWorks AmericacoreStrategic or Co-development PartnerPartnership delivering comprehensive housing counseling services and educational programs nationwide, leveraging NeighborWorks America's resources and expertise to enhance capacity to support homeowners and renters.
• California Housing Finance AgencyregionalStrategic or Co-development PartnerPartnership providing comprehensive housing counseling services, ensuring clients have access to valuable resources and tailored guidance on affordable housing options and financial assistance programs for California residents.
• Southern University of New OrleansregionalStrategic or Co-development PartnerProductive partnership providing comprehensive housing counseling services to the community, leveraging the university's resources and expertise to enhance effectiveness and reach of housing programs.
• Office of the Comptroller of the CurrencycoreStrategic or Co-development PartnerProfessional working relationship ensuring compliance with federal regulations and standards, supporting NID's mission to provide high-quality housing counseling services focusing on financial literacy and homeownership stability.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Money Management International (MMI): One of the largest HUD-approved housing counseling agencies in the U.S., offering reverse mortgage counseling, foreclosure prevention, and financial education with a multi-state branch network.
• NeighborWorks America: National network of HUD-approved housing counseling and community development organizations; directly comparable in mission, HUD intermediary status, and reliance on federal funding streams.
• Credit.org: HUD-approved national housing counseling and financial education nonprofit providing foreclosure prevention, homebuyer education, and reverse mortgage counseling across multiple states.
• GreenPath Financial Wellness: HUD-approved housing counseling and financial wellness agency offering foreclosure prevention, homebuyer education, and credit counseling across multiple states with similar grant-funded model.
• Springboard Nonprofit Consumer Credit Management: HUD-approved nonprofit providing housing counseling, reverse mortgage education, and foreclosure prevention services; directly comparable service mix and target population.
• HomeFree-USA: HUD-approved national intermediary providing homebuyer education, foreclosure prevention, and reverse mortgage counseling — essentially the same service portfolio as NID with comparable funding model.
• Take Charge America: HUD-approved housing and credit counseling agency offering foreclosure prevention, homebuyer education, and reverse mortgage counseling with a comparable nonprofit, grant-funded structure.
• Clearpoint Credit Counseling Solutions: HUD-approved national counseling agency providing housing counseling, foreclosure prevention, and reverse mortgage services with similar geographic reach and federal funding exposure.

Emerging players

• National Council of La Raza (UnidosUS) Housing Programs: National Hispanic civic organization that runs HUD-aligned housing counseling and homeownership programs targeting underserved communities, overlapping with NID's minority-focused mission and partnership approach.

Broad incumbents

• National Foundation for Credit Counseling (NFCC): Umbrella organization for many HUD-approved credit and housing counseling agencies; comparable as a federal program administrator and standards-setter rather than a direct service competitor.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/NIDHousing
• YouTubeyoutube.com/channel/UCPJJdipfa4e1kijYBYDpZXQ
• Facebookfacebook.com/NID-Housing-Counseling-Agency-BHC-105434114627769
• LinkedInlinkedin.com/company/nidhousing
• Instagraminstagram.com/nidhousing

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about NID Housing Counseling Agency