CCCS offers assistance to homeowners, future home buyers and renters through our many services.
Default Counseling & Foreclosure Prevention
As a HUD certified counseling agency, we work with you and your lender to save your home. Possible outcomes are:
Forbearance - Delays legal action on past due mortgages. Lender agrees to suspend payments or to accept partial payments. Later payments may be higher or the loan term may be extended. Interest is usually not affected.
Deferment - Lender agrees to suspend or reduce regular payments for a limited period of time.
Refinance/Rewrites - Various forms of staking out a new loan to payoff the old. Often to lower the overall interest rate and monthly payments.
Workouts/Repayment Plans - Lender works with you to make up missed payments, by repaying part of the past due amounts along with regular monthly installments, usually over three to six months.
Debt Management Program
Assists clients experiencing problems to become debt free so later they can realize their dream of home ownership.
Financial Counseling
Our professional, confidential financial counseling stresses money management so clients can meet their current obligations while saving towards their goals.
Financial Management Program
Helps seniors and disabled people to remain independent.
Home Buyers Workshops
We offer comprehensive housing seminars to prepare attendees for home ownership. Through workshops or one-on-one counseling sessions, we can assist you with the home buying process by providing the following:
Home Loans - Information for how much you can afford, eligibility for a home loan, and shopping for a mortgage.
Credit Reports - Understanding how they affect the loan process and what to do if there are problems.
Understanding the Closing Process - Appraisals, warranties, inspections, escrow, title and settlement - what are they and who pays for them?
Certificate of Completion - Issued to participants of Home Buyer seminars to help you qualify for loan programs.
Reverse Mortgage
Enables homeowners, 62 and older, to tap the equity in their home. We provide the counseling and the certificate.
ALL SESSIONS REQUIRE AN APPOINTMENT
To make an appointment, call 304.485.3141 or 866.481.4752.