Homeownership counseling list delivery
How do we deliver the homeownership counseling organizations list within three business days of the application and record the delivery?
Generate the list from the borrower's location and deliver it with the first package. Callvu pulls the list of counseling organizations for the borrower's zip code from the CFPB tool or the HUD data the rule allows, delivers it by the consented method within three business days of the application, records the delivery and the list version, and for a high-cost or negative-amortization loan adds the counseling certification requirement to the file's conditions.
In scopeSimpleCallvu moves: prefill, write back
Last updated November 7, 2026.
The problem today
The counseling list in the package is for the wrong zip code, from last year.
The disclosure desk keeps a counseling list template. It was pulled once, for the lender's city, and reused. The rule requires a list of organizations near the borrower, generated from the CFPB's tool or from HUD's data in the prescribed way, and delivered within three business days of the application. A stale or wrong-location list is a RESPA violation found on a sample.
For certain loans the rule goes further: a first-time borrower on a negative-amortization loan, or any borrower on a high-cost mortgage, must complete counseling before consummation, and the lender must have the certification. That is a condition with a clock, not a document in a package.
The list is a lookup. Doing it per loan is the only way it is right.
How it runs
From the requestto the system of record.
The application date is recorded. Callvu opens the counseling list step with the three-business-day deadline and the borrower's location.
- Borrower
- Receives the list by the consented method; where counseling is required, completes it and provides the certification.
- Disclosure desk
- Sees the delivery status and the counseling condition where one applies.
- Callvu
- Generates the list for the location, delivers it, records the delivery and version, and sets the counseling condition where required.
Prefill the location
The borrower's current address zip code (or the property's where the rule's method uses it) is taken from the application.
Generate the list
The list of ten HUD-approved counseling organizations near the location is generated through the CFPB's tool or from HUD's data in the manner the rule permits, with the required content for each organization and the date generated.
Deliver and classify
The list is delivered by the consented method within three business days of the application, with the delivery recorded. The loan is classified for the counseling requirement: a high-cost mortgage or a negative-amortization loan to a first-time borrower adds the pre-consummation counseling certification as a condition with its deadline.
Write back
The list as delivered, its generation date and version, the delivery record and any counseling condition are written to the LOS.
Where it ends: The borrower received a current list for their location within the deadline, the LOS holds the list and the delivery, and any required counseling is a condition with a clock. The Decision Trace shows the location, the generation and the classification; the Audit Trace shows the delivery.
Runtime enforcement
What is enforcedwhile the work runs.
The regulations preloaded in Callvu Studio and the bank's own policies, applied as steps that run, not lines in a binder. A step that breaks a rule does not run, so a completed run was compliant.
The handoff
Between the front doorand the back office.
The front door
The application date; the borrower meets the list in the consented channel.
The back office
The disclosure desk sees the delivery and any counseling condition, and never maintains a template list.
The Decision Desk
- A location the tool cannot resolve goes to the disclosure desk in the Decision Desk with the deadline and the alternatives the rule allows.
Proof
In scope.Proof at scale, not one process at a time.
The kind of process Callvu runs in production for customers in this industry. Ask for a reference on this exact process. The results below are the industry's published proof; each claim code links to its record on agents.callvu.com.
Questions
What buyers ask next,answered plainly.
Where does the list come from?
From the CFPB's tool or HUD's data, generated per loan for the borrower's location, with the generation date recorded.
When is counseling itself required?
Before consummation for a first-time borrower on a negative-amortization loan and for a high-cost mortgage; the process sets it as a condition with its deadline.
What is recorded?
The list as delivered, its date and version, the delivery, and any counseling condition and certification, in the LOS.
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