Mississippi Homebuyer Education Center- Mississippi Housing Initiative (MHI) HUD Regional Intermediary

Mississippi Homebuyer Education Center- MHI HUD Regional Intermediary history goes back to 1996 when Mississippi Housing Initiative (MHI) was established to help the banking industry with outreach services of housing, financial counseling and training issues. Mississippi Homebuyer Education Center- MHI was HUD certified to assist housing agencies across the whole state of Mississippi until we branch out to neighboring states; in 2007 we became HUD Regional Intermediary Housing Counseling Agency, in this capacity we have been serving the needs of housing counseling sub grantees and Local housing counseling Agency (LHCA) members.

The Housing Counseling Program is a reimbursement program that supports the delivery of a wide variety of housing counseling services to homebuyers, homeowners, low- to moderate-income renters, and the homeless. The primary objectives of the program are to maintain and expand homeownership and improve access to affordable housing. Counseling agencies provide guidance and advice to help families and individuals improve their housing conditions and meet the responsibilities of tenancy and homeownership. Agencies also help borrowers avoid predatory lending practices of unscrupulous lenders that can result in a loss of equity, increased debt, default, and foreclosure.  Agencies also provide housing counseling to homeowners who have become delinquent on their mortgage payments, or in danger of losing their homes to foreclosure.

Regional Intermediaries apply for funding through HUD’s yearly Notice of Funding Availability (NOFA), a competitive grant application process. The role of an Intermediary is to provide training and technical assistance to ensure HUD regulatory compliance and on-going uniform quality control.  Intermediaries also provide management and accountability for sub-grant housing counseling service reimbursement allocations to their network of sub grantee and LHCA member agencies. Intermediaries conduct on-site reviews at member agency locations to ensure that all HUD regulations and requirements are successfully being met at those member agencies.

New sub grantee and LHCA applications for membership with Mississippi Homebuyer Education Center- Initiative HUD Regional Intermediary are accepted from June 1st through August 1st of every calendar year.

Currently, there are 14 housing counseling agencies throughout southeast region of the states participating and receiving reimbursement for their eligible HUD housing counseling activities through the Mississippi Homebuyer Education Center- Initiative Intermediary master contract.

If you are interested in learning how your agency can join our network of HUD Housing Counseling agencies, please email Monica Shepherd at with your inquiry.