This non-profit organization has been providing financial counseling and education services since 1998. They offer free individual credit counseling sessions to help clients understand and repair their credit. They also provide homebuyer education classes to teach potential homeowners about the homebuying process. The organization works with mortgage companies to help clients prevent foreclosure through options like loan modifications or short sales. They also assist eligible unemployed or underemployed homeowners through the government's Hardest Hit program, which can provide up to $42,000 for qualified individuals.

1. An Introduction to

2. Who We Are
● Non-Profit
● HUD Approved
● In existence since 1998
● 2 Offices Providing a variety of services

3. Credit Counseling
One on one meeting with our certified credit
counselor to help you understand and repair
your credit. There is no charge for this
service.

4. Home Buyer Education
We offer this class to educate potential
homebuyers on everything you need to know
including:
• Are you Ready to Buy a Home?
• Understanding Your Credit Score
• Managing and Saving Your Money
• Shopping for a Home
• Obtaining a Mortgage
• Protecting Your Investment

5. Preventing Foreclosure
We will work with your Mortgage Company to
obtain a solution. There is no charge for this
service.
– Modification: Change some terms of your
mortgage to make it more affordable
– Short Sale: Sell your property for less than
owed
– Deed in Lieu: Deed property back to mortgage
company

6. Hardest Hit Program
– Government program that assists homeowners
that are unemployed or underemployed. (very
specific hardship)
– The program has up to $42,000 per qualified
homeowner.
– Funds can be used to bring the first mortgage
current and to help make payments for up to 12
months.

7. ● Hardest Hit Eligibility Criteria
● Unemployed or underemployed through no
fault of your own
● Home must be primary residence
● Monthly housing debt more than 31% of
gross income
● Cannot own more than 1 other property