CCCS provides assistance with housing issues thrrough pre-purchase, post-purchase, reverse mortgage, and foreclosure prevention counseling. Our agency works with city and state housing authorities and is certified by the Department of Housing and Urban Developement (HUD). CCCS maintains on-going relationships with agencies such as Fannie Mae and Freddie Mac, to provide help with home financing issues.

Foreclosure Prevention
CCCS is a HUD approved agency. Our advisors can help you to get back on track if you have fallen behind with your mortgage payments. We can discuss options available to you for curing your delinquent home loan and create an action plan for successful homeownership.

Reverse Mortgage Counseling
A reverse mortgage is a special type of loan used by older Americans to convert the equity in their homes into cash. This special program allows homeowners with low or no outstanding mortgage debt to borrow against equity without having to repay the debt while occupying the home. Money from a reverse mortgage can provide seniors with the financial security they need to fully enjoy their retirement years, while allowing them to remain in their home. At CCCS we have counselors certified by HUD and AARP who specialize in helping our clients who are 62 or older explore and evaluate this financial tool.

Pre/Post Purchase Counseling
We offer pre-purchase counseling to potential homeowner both individually and in a classroom setting:

• From Home Search To Closing Day
  This program gives homebuyers a step-by-step guide to buying a home. You will learn what to expect and what will be expected of you to ensure the process will go smoothly. Participants will receive a comprehensive home buying workbook. This program runs in sessions of 2, 4 or 6 hours.
  
• Home Buying: The Seminar Series
  This series of four, two-hour sessions, gives attendees a step-by-step guide to buying a home from industry professionals. The speakers highlight their role in the process, give tips and answers questions enabling consumers to become savvy homebuyers.
  
• Post Purchase Priorities
  This program is designed for individuals who own a home, but want more information on being a successful home owner. Money management and credit issues are discussed.
  
• First-Time Home Buying
  This one-day workshop gives homebuyers a step-by-step guide to buying a home, as well as assessing financial readiness to do so. You will learn what to expect and what will be expected of them. Participants will receive a workbook and a certificate of completion.