Financial Literacy focuses on: Mastering Money Management Skills, Developing a Spending Plan, Credit, Debt Reduction and Saving, Banking Basics, Consumer Protection, Insurance and Long Term Planning, Living in a Happy Healthy Home.

Individual Credit Counseling focuses on learning how to read your credit report, remove items that don't belong to you, negotiate and make payment arrangements with your creditors, and living with a budget you can afford.

There are not any requirements for taking the homebuyer class. In order to take financial literacy and/or receive individual credit counseling, you must first take the two part homebuyer education class.

All housing counseling services are FREE

Downloadable forms are available by clicking on the link below.