Connects individuals and families to nonprofit member agencies offering telephone, online, and in-person counseling about managing household finances, escaping debt, affordable home ownership, filing bankruptcy, managing student loan debt, and improving credit. People can search the website by zip code for nearest agencies. Member agencies can assist with developing personalized budget plans and Debt Management Plans (DMPs).

HUD approved housing counseling. Assist with identifying and resolving the barriers to home ownership in one-on-one counseling sessions. Housing counseling services address the following topics: Pre-purchase and Homebuyer Education and Non-Delinquency Post-Purchase Counseling.

Self-paced, online homebuyer education program. 4 hour class prepares buyers to ask questions, make decisions and advocate for themselves. After the course clients will receive a certificate. A private counseling session is available upon request.

Provides counseling, education, and advice on housing issues: *Mortgage Delinquency and Foreclosure Prevention *First Time Home Buyer Counseling and Education *First Time Renter

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.

HUD approved housing counseling. Assist with identifying and resolving the barriers to home ownership in one-on-one counseling sessions. Housing counseling services address the following topics: Pre-purchase and Homebuyer Education and Non-Delinquency Post-Purchase Counseling.

Provides assistance for people who want to purchase a home by offering information and advice about the housing process, identifying housing options, the closing process, and home maintenance.

Provides housing counselors for immediate and long-term guidance related to housing stress. Does not provide mortgage assistance.

Rehabilitates abandoned housing to provide affordable, decent housing. Provides information and counseling on residential rehabilitation with a concentration on avoiding and correcting violations of building codes and maintenance of homes in good condition.

Provides housing counseling and information for first time home buyers especially those with low to moderate income. Offers information about the overall process of buying a home including but not limited to money management, lending, working with real estate agents, appraisals, loan document review, and closing information.

Provides one-on-one financial counseling and seminars for: - Home Purchase. - Minor Home Repairs. - Foreclosure Prevention. - Home Lending. - Financial Education/Seminars. - Affordable Rehab Homes for Sale/Rentals.

Offers an array of services including foreclosure prevention, credit and budget counseling, financial education, and homebuyer education (including down payment assistance).

PHC provides comprehensive assistance for people who want to rent or purchase housing, information on fair housing and for tenants and/or landlords who are involved in rental housing disputes, or which administer state laws or local ordinances which govern rent control and other aspects of tenant/landlord relations.

*Homebuyer Education Classes: Monthly, 6-hour course offered via Zoom or onsite; first-time buyers learn the ins and outs of purchasing a home. Also available as web-based course @ www.ehomeamerica.org/nhp. *Packaging for USDA direct program: Local resource for income-eligible applicants wishing to purchase in approved rural areas. Low interest rate without mortgage insurance; monthly subsidy assistance to assist with house payment.

Provides assistance for low- and moderate-income individuals and families with their need for safe and affordable housing.

Provides supportive services to assist individuals who are homeless with obtaining housing. Services may include assistance finding and applying for housing as well as assistance with rental deposit and rent payment expense assistance for up to 6 months.

Offers a variety of workshops and individual financial coaching sessions that cover each step of the home-buying process. Participants may receive information about and assistance with searching for a home, resolving potential credit problems, and obtaining a mortgage loan.

HUD approved housing counseling. Assist with identifying and resolving the barriers to home ownership in one-on-one counseling sessions. Housing counseling services address the following topics: Pre-purchase and Homebuyer Education and Non-Delinquency Post-Purchase Counseling.

Provides HUD-certified Homebuyer Education workshops to improve financial literacy to the residents of Lorain County. Offers homebuyers two courses (four hours per class) focused on Financial Literacy (budgeting and saving) and the home ownership process to prepare participants on the homebuying process. Must attend both classes.

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.

Offers Free Homebuyer Education Class - Part 1 and Part 2. Topics include: - Your Credit and Why It is Important. - Managing Your Money. - Thinking Like a Lender. - Becoming a Homeowner. - Protecting Your Home Investment.

Provides financial education to agencies, organizations, individuals, and families. Offers programs in basic budgeting; credit and debt management; consumer issues and general money management. Call for more information. Neighborhood Lifelines: Foreclosure Prevention presentations are available to existing organizations/churches/neighborhood groups to provide basic information to help them help reach out to others in the community.

Provides comprehensive services for current and potential homeowners, including first-time homebuyer programs, financial wellness counseling, down payment assistance, foreclosure prevention counseling.

Provides HUD-certified Homebuyer Education workshops via Zoom to improve financial literacy to the residents of Lorain County. Offers homebuyers two courses (four hours per class) focused on Financial Literacy (budgeting and saving) and the home ownership process to prepare participants on the homebuying process. Must attend both classes.

Assists and educates potential homebuyers with credit concerns, budgeting and savings, fair housing, steps in the home buying process and successful home ownership.