Budget & Credit Counseling
Handling money wisely is one of life’s greatest challenges. Budget Counseling takes an in-depth look at income and expenses for those who want to take control of their finances. Counselors will help individuals and families set a budget based on income, living expenses, priorities and goals. Future financial problems can be avoided through planning, wise use of credit, education and family money management.
Understanding your credit score and report is incredibly important. Let our certified counselors help you discover how to build good credit, address any delinquencies, and help increase your credit score. Our counselors will address the importance of periodically reviewing your credit score, help you recognize discrepancies and submit disputes.
Home Buyer Counseling
Buying a home can be confusing and complicated. Home Buyer Counseling and classes help consumers make smart decisions. Since buying a home involves the largest purchase most of us will make in life, it’s important to know the details about the type of mortgage and payments that will best meet your budget. This program takes you step-by-step through the process, with essential information about mortgages, legalities and protections for the home buyer.
Mortgage Default Counseling
Financial Education Classes
Catholic Charities provides financial assistance only for rent/mortgage and utility help for families facing unforeseen difficulties. Catholic Charities takes referrals for financial assistance from the Regional Housing Crisis Hotline available by calling (757) 587-4202.
Calls directly to Catholic Charities and/or walk-in requests for financial assistance are not accepted. Additional documentation (such as proof of income, proof of identity, and a copy of the bill) are required to submit your application for financial assistance.
- Renter or Homeowner must physically occupy the property as his/her principle residence.
- Bill must be in Occupant’s name at time of request.
- The Bill should not be delinquent more than 30 days at the time of application.
- Program can not serve clients who were served within an 18 month period.
- Individual or Family must be in a crisis beyond their control.
- Applicants must show the ability to maintain self-sufficiency after assistance is awarded.
Please call the Regional Housing Crisis Hotline at (757) 587-4202 to receive resources and to be screened for a referral to Catholic Charities. All those referred through the hotline will meet one-on-one with a housing counselor to create a budget and determine if financial assistance criteria have been met and is available. A referral is NOT a guarantee of financial assistance.