Housing can be a lot to tackle on your own, whether you are dreaming of owning your first home, or struggling to make mortgage payments on your current home. Our HUD-Certified housing counselors are readily available to help you make sense of it all.
From setting a realistic homebuying budget and reviewing credit reports, to explaining the homeownership process and lending requirements, our counselors can help you on your path to buying your first home. They may even be able to direct you to certain first-time home buyer programs to make the buying process a little easier.
Beyond the purchase, we’re still here to help. The first year of homeownership is often the most challenging. We will help you prepare for the added expenses and responsibilities of owning a home, so you know what to expect, and where to turn for help.
Should you ever feel your financial situation threatens your home, you have options. We will review your circumstances with you and look at every possibility to help you make the choice that works best for you.
We educate seniors on the benefits, consequences, options and process of obtaining a home equity conversion mortgage, and enable them to make an educated decision about whether this type of loan is the right choice. For more information about reverse mortgages, review our Guide to Reverse Mortgages.
BALANCE counselors offer free education on building credit and becoming a desirable tenant. Our specialized rental counselors will help you develop a personalized spending plan and provide you with advice for saving money, increasing income, and reducing debt. We may even be able to direct you to rental assistance programs to get you started.
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