In response to the emerging financial crisis we are focusing our current programming to those in greatest financial need and temporarily suspending our other services. Our physical office is temporarily closed and all staff are working remotely.
Here’s How We Can Help You Now
Emergency Cash Flow Counseling: If you don’t have enough income to cover your expenses, our counselor can work with you to create a two-month cash plan to make sure the most important expenses and bills are covered. Together, we will figure out a plan that will work in real life, not just on paper.
Budgeting after an Income Reduction: If you have had a reduction in income or expect to in the next month, our counselor can work with you to create a monthly budget looking at all of your income, expenses, debt, and savings including an emergency fund and other periodic expenses (for things like a car maintenance fund). You’ll make choices about what you want to do differently with your money considering your new income and personal goals.
Debt Counseling: If you need help figuring out how to pay down your debt or are considering a debt management plan, debt consolidation, or debt settlement, we can help you create a plan to meet your money goals. Our counselor will work with you to create a budget to determine how much money you have available to put towards paying down debt and you’ll review low-cost debt management options that may lower interest, consolidate payments, and eliminate late fees.
Credit Counseling: If you need help building, improving, or repairing your credit, we are the credit experts to help! In a credit counseling session, our certified credit counselor will review your personal credit report, explain how different items in your credit history are hurting or helping you, and give specific recommendations for actions to take to meet your goals including how to dispute items or accessing low-cost credit building products.
Homebuyer Counseling: Meet one-on-one with a HUD-certified counselor to get a better idea of where you stand in the process and what you need to do to achieve homeownership. In this session you will: Learn how much home you can afford; understand how to improve your credit or pay down debt if necessary; and receive comprehensive information about qualifying for affordable mortgages and down payment assistance programs.
Foreclosure Prevention Counseling: If you have already contacted your mortgage servicer for COVID-19 assistance and still need help understanding your options, our counselor can talk with you about pros and cons of different options and help you choose your next step based on your personal money and housing situation.
Spending Plan Counseling: Ready to get a spending plan that meets your money needs, wants, and goals? Work with us to create a monthly spending plan that takes into account all of your income, expenses, debts, and savings to learn where your money is going now and want you want to do differently so that you can achieve your change your money behaviors and achieve your goals.
Reverse Mortgages: If you’ve got questions or want to understand more, our certified Reverse Mortgage Counselor can provide a thorough overview and discussion of your option. Set-up an appointment to determine if a reverse mortgage is the right fit for your financial future. $135 due at time of appointment unless the client earns below 200% of poverty and it will be paid at closing.
Call us at 255-5166 to book one of these counseling appointments. If you prefer to do your screening online instead of calling us, visit our screening page to take the first step in our online intake process. All counseling is now done on Zoom (or phone if you don’t have computer, smart phone, or internet access).
Live, Interactive Online Classes: Managing Money During Uncertain Financial Times: We are currently offering online financial webinars to help you manage your money differently during this financial crisis. Click here to see our current classes and register.
Resources and Assistance: Read our Resource Digests here for information on financial and housing resources during COVID-19.
Join our E-news: To stay up-to-date on when we will be offering additional financial and credit programming, join our e-news list today!