Provides counseling services for mortgage delinquency or foreclosure problems. Sessions are held one-on-one or in groups. Agency provides housing counselors certified by the U.S. Department of Housing and Urban Development (HUD). Service includes developing a plan for reinstatement by lenders, modifying mortgage loan documents, negotiating agreements with lenders, and helping with finding mortgage relief programs.

Provides classes that address economic stability such as credit repair, budgeting, understanding predatory lending, and building personal resources.

Provides career and college counseling and financial aid assistance to those seeking help to begin or go back to college or post-secondary programs such as vocational schools or training programs. Counseling is given regarding career options and interests, colleges, the admission process, financial aid, the completion of forms, and scholarship searches. Offers financial assistance provided through three types of scholarships. Can counsel individuals on student loan debt and help find the best option to help pay the debt, such as Income Based Repayment plans, loan forgiveness options, and/or consolidation options. Will help with applications for those options. Note: Does not provide direct financial assistance.

Provides assistance with purchasing a home, including a homebuying workshop that includes information on the process of homebuying, explanation of duties involved in home ownership, review of sale agreements and loan documents and referral to programs that provide loans for purchase or renovation of a home. Agency provides housing counselors certified by the US Department of Housing and Urban Development (HUD). Following completion of the workshop, participants receive 1-on-1 homebuying counseling.

Offers classes on a variety of topics including budgeting, saving, improving credit, workforce literacy (prejob guidance, life skills, etc.) computer training and preparing for home ownership. One on one counseling in these areas is also available upon request.

Provides classes and individual counseling on budgeting, credit, mortgage loans, predatory lending, and home purchase preparation, including separate review of documents.

Provides counseling for those who are interested in buying and maintaining a home. Will review and explain loan documents. Provides information for those who may have or are in danger of falling behind on current mortgage payments on a home. Provides post-purchase information on home maintenance.

Provides one-on-one as well as group counseling sessions for people who want to purchase a home or who want to refinance their current mortgage. Will review and explain loan documents. Counseling is also available for people who have become delinquent on their mortgage payments or who fear they may become delinquent. This agency will work with lenders to negotiate payment arrangements.

Assists homeowners who are seeking to refinance or borrow against the equity in their homes for the purpose of making home repairs, improvements or consolidate debt. Provides callers with general information on common loan terms, information on closing costs and how to compare various loan programs to determine a true cost. Educates borrowers so that they will not become victims of predatory lending practices.

Financial management is designed to teach participants to take control of their finances to secure economic stability through education about family budgeting, savings, and behaviors that affect financial stabilty.

Provides student loan debt counseling.

Provides pre-home purchase workshops and counseling for those considering a home purchase. Program is geared toward those who are just beginning the home buying process. Provides information with such things as: budgeting, credit, the home buying process, mortgages, taxes, maintenance, etc. Will review documents in order to assist the home buyer in understanding them. Will also review loan documents to check for any potential predatory lending issues.

Provides individual and group counseling to those undergoing mortgage difficulties. Will counsel client on how to keep the home if possible. Will attempt to reach settlements and agreements with lenders. Also provides review of loan documents for those who are looking to purchase a home. If needed, will provide credit counseling. Does not provide legal assistance; cannot stop imminent Sheriff's auctions.