The mortgage system is broken and 2010 marks the moment when as a nation we begin the long, difficult job of fixing it. In the process, we need to remember to keep what works. One of those things is homeownership counseling.

In the years preceding the collapse of the housing market, counseling, including educational classes on budgeting, creditworthiness, mortgage financing and home maintenance and repair, grew as an important component of home lending.

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