Amount that homebuyers who received housing counseling and education prior to buying were less likely to fall behind on their mortgages by 90 days or more two years after taking out the loan compared to homebuyers who did not receive similar counseling and education. NeighborWorks America released these numbers last week after reviewing about 75,000 mortgage loans originated between 2007 and 2009[1]. “We have long known anecdotally that pre-purchase housing counseling and education…is effective at helping to create homeowners who are less likely to default,” said president of the Community Development Corporation of Long Island (CDCLI) Marianne Garvin, adding that “this research actually proves it.”