In-person counseling services will be available for all Western NC residents starting Monday, April 18, 2022. Virtual counseling options will remain available to our clients Monday-Friday.
Our in-person office hours (beginning 4/18/22) are as follows:
8:30 AM- 12:30 PM
(closed 12:30-1:30 for lunch)
1:30 PM- 5:00 PM
Our office is closed on Fridays, but virtual & phone counseling will still be available on Fridays by appointment only.
To schedule an appointment, fill out one of the forms below or contact our office at (828) 255-5166 option 3.
Thank you for your interest in working with OnTrack WNC Financial Education & Counseling.
We are only able to serve clients who live in North Carolina. If you live in another state, we recommend connecting with the National Foundation for Credit Counseling (NFCC) at https://www.nfcc.org. They will help you connect with a trusted member agency who will be there to help you find a solution that's right for you.
To get started scheduling an appointment, click on the link for the type of appointment you’re interested in, below. We estimate the Intake will take about 30 minutes, and then you’ll be directed to our scheduling page. You may want to have bank/account statements and paystubs handy to complete these questions.
Have you seen us for Counseling Services in the past 6 months? If so, please email us at firstname.lastname@example.org before beginning our online questionnaire. We might be able to save you some time!
Hit a snag? Email us at email@example.com or call us at 828-255-5166 option 3. If you don’t have the ability to do online forms, please give us a call at 828-255-5166 option 3 so we can mail you physical forms to complete.
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. To get started with Homebuyer Counseling, fill out our Intake Form or call us at 828-255-5166 option 3.
- If you need a homebuyer education certificate for a mortgage, you need to take the eHome Homebuyer Education Course. You will not receive a homebuyer education certificate by meeting with a counselor.
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. To get started with Credit Counseling, fill out our Intake Form or call us at 828-255-5166 option 3.
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. To get started with Emergency Cash Flow Counseling, fill out our Intake Form or call us at 828-255-5166 option 3.
Financial Budget 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 what you want to do differently so that you can change your money behaviors and achieve your goals. To get started with Financial Budget Counseling, fill out our Intake Form or call us at 828-255-5166 option 3.
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. (Note, this session will not cover specific repayment options for student loans. For more information on student loans, see Student Loan Debt Counseling, below.) To get started with Debt Counseling, fill out our Intake Form or call us at 828-255-5166 option 3.
Foreclosure Prevention Counseling: Are you a homeowner and late on your mortgage payments or concerned about being able to afford mortgage payments in the near future? Meet with a HUD-certified counselor to see what options might be available to you, review the pros and cons of different options and choose your next step based on your personal money and housing situation. To get started with Foreclosure Prevention Counseling, fill out our Intake Form or call us at 828-255-5166 option 3.
- Are you facing foreclosure? The North Carolina Homeowner Assistance Fund has been allocated $273 million to help homeowners facing foreclosure. To apply for these funds, visit https://nchaf.gov/
Home Equity Counseling: Are you a homeowner who is on time with mortgage payments and have questions about managing your mortgage, Home Equity Line of Credit/2nd mortgage, or home equity? Meet with a HUD-certified counselor to review options for best meeting your financial goals while preserving the equity you have in your home. To get started with Home Equity Counseling, fill out our Intake Form or call us at 828-255-5166 option 3.
Student Loan Debt Counseling: Individual Student Loan Debt Counseling appointments are suspended due to the current COVID pause on federal student loan payments and interest. For our DIY guide on managing student loan debt, click here.
All counseling is currently offered on Zoom (or by phone if you don’t have computer, smart phone, or internet access).
Looking for Reverse Mortgage Counseling? Our Reverse Mortgage Counselor has retired, and we are no longer offering Reverse Mortgage Counseling. We suggest that you contact Hope for Seniors by visiting their website or contacting 844-432-6467. They are a trusted resource for Reverse Mortgage Counseling.