Help & Assistance
Foreclosure Prevention
Our HUD Certified Housing and Financial Counselors are foreclosure prevention advocates that can obtain financial assistance and/or negotiate with your servicer for an affordable mortgage solution.
Post-Purchase Counseling
We help you gain the tools and knowledge you need to be a successful long-term homeowner prepared for financial emergencies and necessary home repairs.
Pre-Purchase Counseling
Our highly experienced counselors will work to ensure that you are financially ready for homeownership.
Property Tax Counseling
We assist homeowners who are unable to pay, or are delinquent on, their property taxes, by seeking options to help you bring property taxes current, establish an affordable payment plan or other solutions.
Rental Counseling & Assistance
We support those struggling to pay rent and help reduce and prevent evictions through our counseling and assistance services.
Senior Property Tax Loan
Our Senior Property Tax Loan Program provides loans to homeowners age 55 and older to help them pay delinquent property taxes and avoid foreclosure.
0% Interest Small Dollar Loan
Our small dollar loans give you the ability to take a small personal loan for your most important expenses without needing to turn to payday lenders.
Transition Counseling
We offer transition counseling to help individuals who need assistance transitioning from homeownership to other types of housing.
Homebuyer Education
Our FREE HUD-approved homebuyer education class can teach you the important basics of the home buying process. We will provide you with the knowledge you’ll need to secure an affordable mortgage and buy the right house for you.
View DetailsAging in Place: Know Your Housing Options
Our FREE Aging in Place: Know Your Housing Options course will help you assess the home for safety, accessibility, and affordability; explore ways to use home equity to stay at home; and discover housing options.
View DetailsPost-Purchase Education: Know After You Buy
Our FREE Post-Purchase course is designed to provide new homeowners with the information they need to maintain and protect their home.
View DetailsHome Seller Education: Know Before You Sell
Our FREE Home Seller course is designed to help sellers know what they need to know before selling to maximize their profits and avoid pitfalls.
View DetailsNew Construction Education: Know Before You Build
Our FREE New Construction course is designed to help home buyers understand the basics of the home building process.
View DetailsResources
Tips to Avoid Foreclosure
When we fail to make our mortgage payments, foreclosure may occur. Foreclosure is the legal means that a lender can use to repossess, or take over, a home. When this happens, we must move out of our home. If our property is worth less than the total amount we owe to the bank, a deficiency judgment, which is a ruling made by a court against a borrower who does not have enough funds to pay back their loan, could be pursued against us. If that happens, we not only lose our home, but we also then owe our lender additional fees. Both foreclosures and deficiency judgments could seriously affect our ability to qualify for credit in the future.
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Foreclosure Prevention Plans: Why Every Homeowner Should Have One
Preventing avoidable foreclosures helps keep families in their homes, preserves communities and prevents avoidable loss of housing. Creating a foreclosure prevention plan with the help of a HUD-approved housing counselor can provide assistance to struggling homeowners, with the goal of helping them keep their homes whenever possible.
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Keeping the Kitchen Safe for a Loved One with Late Stage Dementia
The kitchen is the heart of most families' homes. If we have a loved one living with dementia at home, especially in the later stages, we will want to do everything we can to help keep their kitchen as safe as it can be.
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Winter Household Maintenance Tasks for Older Adults
Winter can be tough on our homes, even if we live in an area that receives little or no snow. If we don’t prepare ahead of time, we may face costly heating and lighting bills or repairs that can drain our budgets, especially if we are retired or on a fixed income. Before going into hibernation mode, there are a few winter home maintenance chores we should attend to.
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Aging in Place: When is the Right Time to Right Size?
Deciding whether to continue to live in the home we have lived in for decades is a difficult decision. Not only are there financial considerations to think about, but we also need to factor in health and safety issues, such as whether our home can be easily navigated as we age. If we are caring for an older loved one, we may wonder if the home they’re in right now is still right for them based on the changing needs of their health and care. As the holidays approach and family comes together, it may be the right time to have the “Right Sizing” conversation with a loved one that could open the doors to knowing if it is the right time for them to move.
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