Working with a credit counsleor will help you pay off debt fast and manage your personal finances more efficiently. Our free credit advice is personalized to your unique situation.
The details on your credit report, like your credit score, directly impact your everyday financial well-being. Your credit score influences your ability to secure the best interest rates on loans, helps you qualify for housing, rentals or a mortgage, and even plays a role in obtaining employment for certain types of positions.
Your credit report can influence your ability to find housing, employment and secure a loan. Knowing your score and understanding your report are the first steps towards your financial health. Our certified financial counselors will guide you through your credit report, answer questions, and give personalized guidance towards improving your score.
Learn about the process of getting a bank account with BankOn. Learn all there is to know about opening a bank account and the responsible usage of the bank account.
Speak with a Debt Coach to review all your options and discuss the best strategies for getting debt relief. We’ll point you in the right direction, whether that’s DIY debt relief or a debt program, like Debt Management Plans or Debt Settlement.
Debt is common and manageable. Our certified financial counselors are standing by ready to answer your questions, provide guidance, and help you reach your financial goals. Speaking to one of our certified debt counselors is completely free. Our counselors will be able to review all of your options for getting out of debt and guide you toward the best path forward.
A financial counselor will help you determine whether a Debt Management Plan is your best path toward effectively managing debt levels. Once you enroll in a plan, we become your personal advocates, working closely with you and your creditors to pay off debt in a timely fashion.
Debt settlement is a process that allows you to pay off debt by paying a single lump sum that is lower than the total amount you owe. Settlements are achieved through negotiation between lenders and consumers or a third-party debt settlement company. Our counselors will help you assess if debt settlement is the best debt relief option for you.
Credit.org is an Executive Office for United States Trustees ‘EOUST‘ approved agency. Our experienced financial counselors work with people in all stages of their financial life, including the challenging decision of bankruptcy. Our cousnelors can help you obtain the certificate you need to file for bankruptcy or discharge debts in bankruptcy.
Credit.org offers expert student loan counseling to help you manage your education debt. Our certified counselors guide you through loan repayment options, consolidation, and strategies to alleviate student loan stress. Get personalized assistance to navigate your student loan journey and find the best solutions for your financial goals.
Whether you are current on your mortgage payments, experiencing a financial hardship, or ready to begin your homeownership journey, take action and reach out to a HUD Certified Housing Counselor today!
Work with our HUD Certified Counselors who will assess your current mortgage needs and help guide you to the options that are best suited for your specific situation.
If you are 62 or older, have equity in your home, and are considering a Reverse Mortgage loan, it is important to speak with one of our HUD Certified Counselors to understand the benefits and risk of this product.
Our award-winning counselors are here to help prepare you to own a home. We provide education, resources, and guidance to make your home buying process efficient, stress-free, and rewarding.
Don’t start your home buying journey without getting the facts first! Whether you’re a first-time home buyer or someone looking to get back into home ownership, you will need a well laid plan. Our HUD-approved Home Buyer Classes will help you navigate the home buying process and equip you with useful tools & resources for purchasing a home.
If you are seeking guidance regarding renting, call us to speak with one of our financial counselors who will help you develop a budget, create a detailed action plan, and who can provide you with local, statewide, and national resources.
Community Affordable Loan Solution™ is designed to create homeownership access for clients who have never envisioned themselves as a homeowner. Credit.org has partnered with Bank of America to assist first-time homebuyers with pre-purchase counseling and homebuyer education.
Credit.org has partnered with Federal Home Loan Bank of Atlanta to provide your pre-purchase or owner-occupied credit counseling.
Helping San Diego County, Riverside County & San Bernardino County residents CLIMB to financial freedom!
Home Buying with HOEPA and Pre-Purchase Counseling
Ready to unlock the door to your dream home?
Dive into Credit.org's HOEPA and pre-purchase counseling! Navigate the maze of home buying with ease, tackle HOEPA's secrets, and arm yourself against unfair lending. It's not just counseling—it's your first step to confident, savvy homeownership.
Clear Homebuying and HOEPA Regulations Counseling Session
Navigate the HOEPA landscape with ease. Our services provide a comprehensive breakdown of HOEPA regulations, ensuring you're fully aware of your rights and protections as a homebuyer.
Customized Guidance for First-Time Buyers
Tailored specifically for first-time homebuyers, our pre-purchase counseling demystifies the homebuying process. We offer personalized advice to match your individual housing needs and financial situation.
Financial Preparedness for Home Ownership
A cornerstone of our service is ensuring your financial readiness for home ownership. We assist in budget planning, mortgage understanding, and preparing for the financial responsibilities of owning a home.
Risk Assessment and Mitigation Strategies
Assessing potential risks is vital. Our HOEPA/Pre-Purchase counseling services include evaluating financial risks associated with homebuying and providing strategies to mitigate them effectively.
Starting Your Home Buying Journey? Contact Us Today!
Why Trust Credit.org’s HOEPA and Pre-Purchase Counseling?
Knowledge is your greatest asset in homebuying. Our counseling services empower you with the necessary knowledge to navigate the housing market confidently and securely.
Distinguishing Features of Our Counseling Service
Comprehensive Market Insights
Stay ahead with our extensive market insights. We provide up-to-date information and trends in the real estate market, aiding in your decision-making process.
Strategies for Smart Home Investment
Our counseling services focus on long-term home investment strategies. We help you understand how to choose properties that align with both your current and future financial goals.
Expert Housing Counselors
Benefit from the expertise of our seasoned counselors who specialize in HOEPA and pre-purchase counseling. Their guidance is an invaluable resource in your homebuying journey.
Our HOEPA and pre-purchase counseling services don’t just prepare you for buying a home; they transform the way you approach this significant life event, making sure a wise and well-informed purchase is made.
Alongside counseling, we provide an array of education and resources. These materials are designed to support and enhance your understanding of the homebuying process.
How can you help if I am struggling to pay my mortgage?▼
We can look at your mortgage repayment options and help you make decisions on next steps.
Can you help me refinance or modify my mortgage?▼
Housing counselors at Credit.org can contact your servicer with you on the line, but we can’t guarantee a positive outcome. Your outcome will depend on what your servicer is willing to offer and/or your eligibility for specific state and federal housing programs.
Can you stop my foreclosure?▼
We are not attorneys and we cannot stop a lawful foreclosure. However, you may still have the ability to save your home, which is why it's important to speak with a qualified foreclosure counseling specialist as soon as possible.
Is there any cost for foreclosure counseling?▼
Foreclosure prevention counseling is provided for free. There is no cost and no risk to use this service.
Deep Dive into Homebuying Essentials
Expand Your Homebuying Knowledge
Our blogs offer thorough educational content, covering everything from HOEPA implications to smart pre-purchase decisions.