This presentation of my certifications and training emphasizes the prestige of the institutions involved and the depth of my expertise. It serves as a powerful testament to my commitment to housing advocacy and community empowerment. Below is my professional presentation that lists my certifications and training but also highlights key achievements that reflects my impact and expertise in advancing housing justice within the NYC communities.
Certifications and Government Agency Training
Awarded Full Scholarships for Housing & Foreclosure Prevention Training from:
- HUD, Freddie Mac, and Fannie Mae
- NeighborWorks Center for Homeownership Education and Counseling (NCHEC)
- Freddie Mac CreditSmart®
Freddie Mac set a goal to improve financial literacy in underserved communities nationwide. Today, alongside its collaborating organizations, it has reached over one million consumers.
NeighborWorks America Created by Congress, this national nonprofit provides financial support, technical assistance, and training for community-based revitalization efforts.
HUD FHA National Servicing Center Loss Mitigation Services Training This program equips participants with creative solutions to help FHA homeowners and lenders avoid foreclosure, while also training mortgage lenders and Housing Counseling Agencies to better serve homeowners.
Certified Trainings
- HUD Housing Counselor Certification Currently attending courses with plans to take the final national exam. Next steps include submitting an application for NOAHousing to become a HUD-approved Counseling Agency, as HUD programs mandate that for government fundings that the housing counseling be provided solely by certified professionals.
- Freddie Mac CreditSmart® Certified Coach Facilitator for the Financial Capability Program
- Freddie Mac CreditSmart Español – Financial Literacy Train-the-Trainer: Design and Objectives
- HUD National Servicing Center Loss Mitigation and Servicing System Training
- Freddie Mac CreditSmart Financial Literacy Train-the-Trainer – Design and Objectives
Professional Homeownership and Community Lending Certification Earned through over 10 years of intensive training in Washington DC and other national training centers covering:
- Housing Counseling
- Foreclosure Prevention & Default Counseling
- Post-Purchase Counseling
- Financial Fitness: Teaching Financial Management Skills
- FHA-Insured Loans: An Affordable Mortgage Option
Specialized Training Courses
- FreddieMac CreditSmart Español Financial Literacy Train-The-Trainer Design and Objectives
- HUD National Servicing Center Loss Mitigation and Servicing System
- FreddieMac CreditSmart Financial Literacy Train-The-Trainer Design and Objectives
- Professional Homeownership and Community Lending
- Housing Counseling
- Foreclosure Prevention & Default Counseling
- Post-Purchase Counseling
- Financial Fitness: Teaching Financial Management Skills
- FHA-Insured Loans: An Affordable Mortgage OptionNTI Washington, DC
- Introduction to Home Equity Conversion Mortgages
- Home Equity Conversion Mortgages Advanced Level TrainingPBT New York, NY
- Post-Purchase Education Methods
- Understanding Credit Scoring
- Credit Counseling for Maximum Results
- Advanced Foreclosure: Case Study Practicum
- Lending Basics for Homeownership Counselors Compliance with State and Federal Regulations
- Developing and Implementing an Effective Foreclosure Program
- Foreclosure Basics
- Foreclosure Intervention and Default Counseling Certification, Part I
- Freddie Mac CreditSmart Train-the-Trainer
- Homebuyer Education Methods: Training the Trainer
- Homeownership Counseling Certification: Principles, Practices and Techniques Part I
- Creating and Managing a Successful Voucher Homeownership Program Certificate
Additional Training & Accreditation
- NMLS Registration: Registered with the National Mortgage Licensing System (NMLS #764780).
- Safe Act Mortgage Underwriting & Loan Processing Training: Completed at Chase, JPMorgan, and Wells Fargo Bank, with thorough familiarity of state and federal regulations.
- Credit Policies & Procedures: Extensive knowledge of primary lender and secondary market credit processes.
- Underwriting & Credit Risk Analysis: Intensive experience with underwriting and risk assessment programs across various primary lenders and credit vendors.
- Technical Proficiency: Certified in Advanced Database Design and Advanced Micro Applications, with advanced skills in spreadsheets and other business software applications.
Key Achievements
- Transformative Community Impact: Leveraging my extensive training and certifications, I have developed and led initiatives that successfully transition hundreds of vulnerable New Yorkers from shelters to permanent, affordable housing.
- Innovative Program Development: Spearheaded the creation and implementation of the NOAHousing Shelter2Home Program, streamlining processes for housing voucher holders and greatly improving move-in success rates for clients.
- Extensive Outreach and Mentorship: Through certificate-backed expertise from leading organizations like HUD, Freddie Mac, and NeighborWorks, I have trained fellow housing counselors and collaborated with federal agencies—directly contributing to enhanced financial literacy and foreclosure prevention programs that have reached over one million consumers nationwide.
- Enhanced Service Delivery: Applied advanced techniques in credit risk analysis, underwriting, and loss mitigation to improve operational efficiency. My efforts have led to significant reductions in housing arrears and escalated support for homeowners, ensuring that critical HUD-approved counseling is accessible to all.
- Industry Recognition: Recognized as a trusted advocate by multiple government agencies and community organizations, my professional journey has been marked by an unwavering commitment to housing justice. Colleagues and community partners acknowledge my proactive approach in mentoring, program administration, and real-world application of advanced certification training.
Josie A. Martinez Certified Professional Homeownership and Community Lending Counselor
