{"id":22602,"date":"2021-06-17T17:51:20","date_gmt":"2021-06-17T22:51:20","guid":{"rendered":"https:\/\/testbanksouthern-ada.aceone.io\/?page_id=22602"},"modified":"2025-12-29T10:50:55","modified_gmt":"2025-12-29T16:50:55","slug":"propiedad-de-la-vivienda","status":"publish","type":"page","link":"https:\/\/banksouthern.com\/es\/homeownership\/","title":{"rendered":"Propiedad de la vivienda"},"content":{"rendered":"<div class=\"et_pb_section_0 et_pb_section et_pb_fullwidth_section et_section_regular et_block_section\"><section class=\"et_pb_fullwidth_header_0 et_pb_fullwidth_header et_pb_header_with_image et_pb_bg_layout_dark et_pb_text_align_right et_pb_module et_flex_module\"><div class=\"et_pb_fullwidth_header_container right\"><div class=\"header-content-container center\"><div class=\"header-content et_flex_module\"><h1 class=\"et_pb_module_header\">Homeownership<\/h1><div class=\"et_pb_header_content_wrapper\"><p>is one of the most reliable ways for families to build generational wealth. Let us help<span> you open the door to your future \u2014 no matter where you stand today<\/span>.<\/p>\n<\/div><div class=\"et_pb_header_button_wrapper\"><a class=\"et_pb_button et_pb_more_button et_pb_button_one\" href=\"https:\/\/banksouthern.com\/homeownership\/#contact-us\">Contact Us<\/a><\/div><\/div><\/div><div class=\"header-image-container center\"><div class=\"header-image\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/banksouthern.com\/wp-content\/uploads\/2021\/09\/kimberly-enoch-homeowner.jpg\" width=\"1200\" height=\"630\" srcset=\"https:\/\/banksouthern.com\/wp-content\/uploads\/2021\/09\/kimberly-enoch-homeowner.jpg 1200w, https:\/\/banksouthern.com\/wp-content\/uploads\/2021\/09\/kimberly-enoch-homeowner-980x515.jpg 980w, https:\/\/banksouthern.com\/wp-content\/uploads\/2021\/09\/kimberly-enoch-homeowner-480x252.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1200px, 100vw\" class=\"wp-image-23120\" \/><\/div><\/div><\/div><div class=\"et_pb_fullwidth_header_overlay\"><\/div><div class=\"et_pb_fullwidth_header_scroll\"><\/div><\/section><\/div><div class=\"et_pb_section_1 et_pb_section et_section_regular et_block_section\"><div class=\"et_pb_row_1 et_pb_row et_pb_row_4col et_block_row et_block_row_4col\"><div class=\"et_pb_column_1 et_pb_column et_pb_column_1_4 et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_blurb_0 et_pb_blurb et_pb_bg_layout_light et_pb_text_align_center et_pb_blurb_position_top et_clickable et_pb_module et_block_module\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_main_blurb_image\"><span class=\"et_pb_image_wrap\"><span class=\"et-pb-icon\">\ue06e<\/span><\/span><\/div><div class=\"et_pb_blurb_container\"><h4 class=\"et_pb_module_header\">Affordable Mortgage Products<\/h4><\/div><\/div><\/div><\/div><div class=\"et_pb_column_2 et_pb_column et_pb_column_1_4 et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_blurb_1 et_pb_blurb et_pb_bg_layout_light et_pb_text_align_center et_pb_blurb_position_top et_pb_module et_block_module\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_main_blurb_image\"><a href=\"#credit\"><span class=\"et_pb_image_wrap\"><span class=\"et-pb-icon\">\ue066<\/span><\/span><\/a><\/div><div class=\"et_pb_blurb_container\"><h4 class=\"et_pb_module_header\"><a href=\"#credit\">Credit & Housing Counseling<\/a><\/h4><\/div><\/div><\/div><\/div><div class=\"et_pb_column_3 et_pb_column et_pb_column_1_4 et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_blurb_2 et_pb_blurb et_pb_bg_layout_light et_pb_text_align_center et_pb_blurb_position_top et_clickable et_pb_module et_block_module\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_main_blurb_image\"><span class=\"et_pb_image_wrap\"><span class=\"et-pb-icon\">\ue074<\/span><\/span><\/div><div class=\"et_pb_blurb_container\"><h4 class=\"et_pb_module_header\">Homebuyer Education Classes<\/h4><\/div><\/div><\/div><\/div><div class=\"et_pb_column_4 et_pb_column et_pb_column_1_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_blurb_3 et_pb_blurb et_pb_bg_layout_light et_pb_text_align_center et_pb_blurb_position_top et_clickable et_pb_module et_block_module\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_main_blurb_image\"><span class=\"et_pb_image_wrap\"><span class=\"et-pb-icon\">\ue086<\/span><\/span><\/div><div class=\"et_pb_blurb_container\"><h4 class=\"et_pb_module_header\">Free Online Resources<\/h4><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"et_pb_section_2 et_pb_section et_section_regular et_block_section\" id=\"mortgage\"><div class=\"et_pb_row_2 et_pb_row et_block_row\"><div class=\"et_pb_column_5 et_pb_column et_pb_column_1_2 et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_text_1 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><h2>Affordable Mortgage Products<\/h2>\n<p><span>Whether you are new to the home buying process or a seasoned veteran, Southern Bancorp has the tools to help you realize your homeownership dream.<\/span><\/p>\n<p>We have the right products and services to meet your needs, as well as home repair loans and home equity lines of credit. Contact us today, or <strong><a href=\"\/locations\">visit a local branch<\/a><\/strong> to start the process.<\/p>\n<\/div><\/div><div class=\"et_pb_module et_pb_button_module_wrapper et_pb_button_0_wrapper\"><a class=\"et_pb_button_0 et_pb_button et_pb_bg_layout_light et_pb_module et_block_module\" href=\"#contact\">Contact Us Now<\/a><\/div><\/div><div class=\"et_pb_column_6 et_pb_column et_pb_column_1_2 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_video_0 et_pb_video et_pb_module et_block_module\"><div class=\"et_pb_video_box\"><iframe loading=\"lazy\" title=\"YouTube video\" width=\"1080\" height=\"608\" src=\"https:\/\/www.youtube.com\/embed\/frjPuBccvNA?feature=oembed\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/div><div class=\"et_pb_video_overlay\" style=\"background-image:url(https:\/\/banksouthern.com\/wp-content\/uploads\/2015\/10\/Ms-Jackson_IMG_1837-e1446502579666.jpg)\"><div class=\"et_pb_video_overlay_hover\"><a class=\"et_pb_video_play\" href=\"#\"><\/a><\/div><\/div><\/div><div class=\"et_pb_text_2 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><p><span>At age 63, grandmother and beloved public school employee Vernetha Jackson thought her dream of homeownership was destined to remain just that, a dream. Southern Bancorp worked with Vernetha to develop the financial foundation needed to purchase a home.<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"et_pb_section_3 et_pb_section et_section_regular et_block_section\" id=\"credit\"><div class=\"et_pb_row_3 et_pb_row et_block_row\"><div class=\"et_pb_column_7 et_pb_column et_pb_column_1_2 et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_text_3 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><h2>Credit &amp; Housing Counseling<\/h2>\n<p>Dreaming of owning a home and not sure where to start?<\/p>\n<p>Southern Bancorp's HUD certified counselors will work with you to get you ready for the homebuying process, whatever your financial situation. With our counselors, you can:<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>Get high quality free one-on-one counseling<\/li>\n<li>Make an action plan to pay down your debt<\/li>\n<li>Build your credit history<\/li>\n<li>Create a budget to save for a down payment<\/li>\n<li>Learn how to qualify for a mortgage<\/li>\n<\/ul>\n<\/div><\/div><div class=\"et_pb_module et_pb_button_module_wrapper et_pb_button_1_wrapper\"><a class=\"et_pb_button_1 et_pb_button et_pb_bg_layout_light et_pb_module et_block_module\" href=\"#contact\">Contact Us Now<\/a><\/div><\/div><div class=\"et_pb_column_8 et_pb_column et_pb_column_1_2 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_video_1 et_pb_video et_pb_module et_block_module\"><div class=\"et_pb_video_box\"><iframe loading=\"lazy\" title=\"YouTube video\" width=\"1080\" height=\"608\" src=\"https:\/\/www.youtube.com\/embed\/82282WGsIyc?feature=oembed\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/div><div class=\"et_pb_video_overlay\" style=\"background-image:url(https:\/\/banksouthern.com\/wp-content\/uploads\/2020\/05\/carmen-morfin-villa1.jpg)\"><div class=\"et_pb_video_overlay_hover\"><a class=\"et_pb_video_play\" href=\"#\"><\/a><\/div><\/div><\/div><div class=\"et_pb_text_4 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><p><span>Carmen Morfin-Villa learned the hard way that it's hard to build credit if you've never had it. When she heard about the <a href=\"https:\/\/banksouthern.com\/project\/credit-builder-cd\/\">Credit Builder CD<\/a> program that helps you build credit AND save at the same time, she jumped at the chance to start her journey. Now she and her family of five have a home for their very own.<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"et_pb_section_4 et_pb_section et_section_regular et_block_section\" id=\"classes\"><div class=\"et_pb_row_4 et_pb_row et_block_row\"><div class=\"et_pb_column_9 et_pb_column et_pb_column_1_2 et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_text_5 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><h2>Homebuyer Education Classes<\/h2>\n<p>We have in person and online homebuyer education courses. Topics may include:\u00a0<\/p>\n<ul>\n<li>Building credit<\/li>\n<li>Shopping for a home<\/li>\n<li>Getting a mortgage loan<\/li>\n<li>Foreclosure prevention<\/li>\n<li>Rental considerations<\/li>\n<\/ul>\n<p>If you are interested, contact us in form below to find out when our next in person homebuyer education class is. You can also sign up for this <a href=\"https:\/\/www.ehomeamerica.org\/southernpartners\">eHome America Online Course<\/a> at any time.<\/p>\n<p>&nbsp;<\/p>\n<\/div><\/div><div class=\"et_pb_module et_pb_button_module_wrapper et_pb_button_2_wrapper\"><a class=\"et_pb_button_2 et_pb_button et_pb_bg_layout_light et_pb_module et_block_module\" href=\"#contact\">Contact Us Now<\/a><\/div><\/div><div class=\"et_pb_column_10 et_pb_column et_pb_column_1_2 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_video_2 et_pb_video et_pb_module et_block_module\"><div class=\"et_pb_video_box\"><iframe loading=\"lazy\" title=\"YouTube video\" width=\"1080\" height=\"608\" src=\"https:\/\/www.youtube.com\/embed\/OXm7NoupguE?feature=oembed\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/div><div class=\"et_pb_video_overlay\" style=\"background-image:url(https:\/\/banksouthern.com\/wp-content\/uploads\/2021\/06\/cheryl-hampton-4.jpg)\"><div class=\"et_pb_video_overlay_hover\"><a class=\"et_pb_video_play\" href=\"#\"><\/a><\/div><\/div><\/div><div class=\"et_pb_text_6 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><p><span>Cheryl Hampton was devastated when she found out her family home that has been passed down for generations was in foreclosure. With the help of Southern Bancorp, Cheryl was able to rebuild her credit, refinance her mortgage, and save her family home.<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"et_pb_section_5 et_pb_section et_section_regular et_block_section\" id=\"resources\"><div class=\"et_pb_row_5 et_pb_row et_block_row\"><div class=\"et_pb_column_11 et_pb_column et_pb_column_1_2 et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_text_7 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><h2>Free Online Resources<\/h2>\n<p>Ready to start learning on your own? We have a wide selection of resources to get you on the right path.<\/p>\n<ul>\n<li><strong><a href=\"https:\/\/southernpartners.org\/housing-counseling\/\" target=\"_blank\" rel=\"noopener\">Housing Counseling Resources Portal<\/a><\/strong><\/li>\n<li><strong><a href=\"https:\/\/southernpartners.org\/learning-center\/downloads\/download-category\/housing\/\" target=\"_blank\" rel=\"noopener\">Home Loan Tool Kits (English\/Spanish)<\/a><\/strong><\/li>\n<li>\n<p><span><\/span><strong><a href=\"https:\/\/southernpartners.org\/topics\/housing\/\" target=\"_blank\" rel=\"noopener\">Homeownership Tips and Tricks\u00a0<\/a><\/strong><\/p>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<\/div><\/div><div class=\"et_pb_module et_pb_button_module_wrapper et_pb_button_3_wrapper\"><a class=\"et_pb_button_3 et_pb_button et_pb_bg_layout_light et_pb_module et_block_module\" href=\"#contact\">Contact Us Now<\/a><\/div><\/div><div class=\"et_pb_column_12 et_pb_column et_pb_column_1_2 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_image_0 et_pb_image et_pb_module et_block_module\"><span class=\"et_pb_image_wrap\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/banksouthern.com\/wp-content\/uploads\/2018\/07\/opportunity-center-x450.png\" width=\"450\" height=\"160\" srcset=\"https:\/\/banksouthern.com\/wp-content\/uploads\/2018\/07\/opportunity-center-x450.png 450w, https:\/\/banksouthern.com\/wp-content\/uploads\/2018\/07\/opportunity-center-x450-300x107.png 300w\" sizes=\"(max-width: 450px) 100vw, 450px\" class=\"wp-image-19083\" title=\"opportunity center x450\" \/><\/span><\/div><\/div><\/div><\/div><div class=\"et_pb_section_6 et_pb_section et_section_regular et_block_section\" id=\"contact\"><div class=\"et_pb_row_6 et_pb_row et_block_row\"><div class=\"et_pb_column_13 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_text_8 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\" id=\"contact-us\"><div class=\"et_pb_text_inner\"><h2>Contact Us<\/h2>\n<p>Please tell us more about yourself, so that we can direct you to the proper person.<br \/><script>\nvar gform;gform||(document.addEventListener(\"gform_main_scripts_loaded\",function(){gform.scriptsLoaded=!0}),document.addEventListener(\"gform\/theme\/scripts_loaded\",function(){gform.themeScriptsLoaded=!0}),window.addEventListener(\"DOMContentLoaded\",function(){gform.domLoaded=!0}),gform={domLoaded:!1,scriptsLoaded:!1,themeScriptsLoaded:!1,isFormEditor:()=>\"function\"==typeof InitializeEditor,callIfLoaded:function(o){return!(!gform.domLoaded||!gform.scriptsLoaded||!gform.themeScriptsLoaded&&!gform.isFormEditor()||(gform.isFormEditor()&&console.warn(\"The use of gform.initializeOnLoaded() is deprecated in the form editor context and will be removed in Gravity Forms 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d=gform.hooks[o][r];null==n&&(n=r+\"_\"+d.length),gform.hooks[o][r].push({tag:n,callable:e,priority:t=null==t?10:t})},doHook:function(r,o,e){var t;if(e=Array.prototype.slice.call(e,1),null!=gform.hooks[r][o]&&((o=gform.hooks[r][o]).sort(function(o,r){return o.priority-r.priority}),o.forEach(function(o){\"function\"!=typeof(t=o.callable)&&(t=window[t]),\"action\"==r?t.apply(null,e):e[0]=t.apply(null,e)})),\"filter\"==r)return e[0]},removeHook:function(o,r,t,n){var e;null!=gform.hooks[o][r]&&(e=(e=gform.hooks[o][r]).filter(function(o,r,e){return!!(null!=n&&n!=o.tag||null!=t&&t!=o.priority)}),gform.hooks[o][r]=e)}});\n<\/script>\n\n                <div class='gf_browser_gecko gform_wrapper gravity-theme gform-theme--no-framework' data-form-theme='gravity-theme' data-form-index='0' id='gform_wrapper_14' >\n                        <div class='gform_heading'>\n                            <p class='gform_description'><\/p>\n                        <\/div><form method='post' enctype='multipart\/form-data'  id='gform_14'  action='\/es\/wp-json\/wp\/v2\/pages\/22602' data-formid='14' novalidate><div class='gf_invisible ginput_recaptchav3' data-sitekey='6LftAoopAAAAAKSrBGRqhz1qMI4nvjmiw1_NKjbF' data-tabindex='0'><input id=\"input_026938a9203c9581d2c6759d1274279e\" class=\"gfield_recaptcha_response\" type=\"hidden\" name=\"input_026938a9203c9581d2c6759d1274279e\" value=\"\"\/><\/div>\n                        <div class='gform-body gform_body'><div id='gform_fields_14' class='gform_fields top_label form_sublabel_below description_below validation_below'><div id=\"field_14_1\" class=\"gfield gfield--type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_14_1'>Your Name<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(Required)<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_1' id='input_14_1' type='text' value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_14_2\" class=\"gfield gfield--type-email gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_14_2'>Email<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(Required)<\/span><\/span><\/label><div class='ginput_container ginput_container_email'>\n                            <input name='input_2' id='input_14_2' type='email' value='' class='large'    aria-required=\"true\" aria-invalid=\"false\"  \/>\n                        <\/div><\/div><div id=\"field_14_4\" class=\"gfield gfield--type-phone gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_14_4'>Phone Number<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(Required)<\/span><\/span><\/label><div class='ginput_container ginput_container_phone'><input name='input_4' id='input_14_4' type='tel' value='' class='large'   aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><fieldset id=\"field_14_3\" class=\"gfield gfield--type-address gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Address<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(Required)<\/span><\/span><\/legend>    \n                    <div class='ginput_complex ginput_container has_city has_state has_zip ginput_container_address gform-grid-row' id='input_14_3' >\n                        <span class='ginput_left address_city ginput_address_city gform-grid-col' id='input_14_3_3_container' >\n                                    <input type='text' name='input_3.3' id='input_14_3_3' value=''    aria-required='true'    \/>\n                                    <label for='input_14_3_3' id='input_14_3_3_label' class='gform-field-label gform-field-label--type-sub '>City<\/label>\n                                 <\/span><span class='ginput_right address_state ginput_address_state gform-grid-col' id='input_14_3_4_container' >\n                                        <input type='text' name='input_3.4' id='input_14_3_4' value=''      aria-required='true'    \/>\n                                        <label for='input_14_3_4' id='input_14_3_4_label' class='gform-field-label gform-field-label--type-sub '>State \/ Province \/ Region<\/label>\n                                      <\/span><span class='ginput_left address_zip ginput_address_zip gform-grid-col' id='input_14_3_5_container' >\n                                    <input type='text' name='input_3.5' id='input_14_3_5' value=''    aria-required='true'    \/>\n                                    <label for='input_14_3_5' id='input_14_3_5_label' class='gform-field-label gform-field-label--type-sub '>ZIP \/ Postal Code<\/label>\n                                <\/span><input type='hidden' class='gform_hidden' name='input_3.6' id='input_14_3_6' value='' \/>\n                    <div class='gf_clear gf_clear_complex'><\/div>\n                <\/div><\/fieldset><fieldset id=\"field_14_5\" class=\"gfield gfield--type-checkbox gfield--type-choice gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Which homeownership topics are you interested in?<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(Required)<\/span><\/span><\/legend><div class='ginput_container ginput_container_checkbox'><div class='gfield_checkbox ' id='input_14_5'><div class='gchoice gchoice_14_5_1'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_5.1' type='checkbox'  value='Mortgage and Lending Products'  id='choice_14_5_1'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_14_5_1' id='label_14_5_1' class='gform-field-label gform-field-label--type-inline'>Mortgage and Lending Products<\/label>\n\t\t\t\t\t\t\t<\/div><div class='gchoice gchoice_14_5_2'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_5.2' type='checkbox'  value='Credit and Housing Counseling'  id='choice_14_5_2'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_14_5_2' id='label_14_5_2' class='gform-field-label gform-field-label--type-inline'>Credit and Housing 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