Financial Empowerment Programs

The Rental Counseling Program is one on one counseling with our HUD Certified Financial Coach. During each  session the Financial Coach works with the client to create a maintainable budget, helps the client with setting goals based on their housing situation, as well as figuring out the best approaches to reaching those goals. Each session is individually catered towards each client to assist them with the things they are struggling with. 

Counseling Appointments include:

• Creating a personalized budget
• Figuring out your housing goals and creating steps to make them a reality
• Assistance in analyzing your credit report
• and more ...

Get the assistance you need to achieve financial success!

Sign up for a session and start your journey with us! Contact us at 989-358-4653 or gagnona@nemcsa.org

The Foreclosure Services Program,  uses our HUD certified Financial Coach to assist eligible homeowners who are at risk of losing their home by helping them to understand the Michigan foreclosure process and to apply for the new MIHAF program that is run through MSHDA and/or local government programs. The Financial Coach will also work with servicers and lenders to come up with loan modifications and other in-house options for late mortgages.

Download the Foreclosure Assistance Intake Packet to get started.  You can also click the link at the top of the page to complete the forms online.

"Thank you very much for everything. I am now able to stay in my home thanks to you and your help in these hard times."

The Financial Literacy Program teaches people useful information, such as budgeting, recovering from debt, banking, credit scoring, consumer protection and much more. After completing the classes, people will know how to repair any credit or bad debt issues. Along with having a positive outlook on their financial situation and work to understand the need to live with a set budget.

Start your journey to financial empowerment today !!

Topics covered include:

• Money Management
• Budgeting
• Credit Repair
• Debt Payoff Options
• Fair Housing

Financial Literacy Course is also available online. CLASSES OFFERED IN YOUR AREA!

NEMCSA offers our Financial Literacy classes at various locations across our 12 county service area. If you'd like to register for a class you can contact our Financial Coach by email at gagnona@nemcsa.org or call her at 989-358-4653.

The Homebuyer Education Program assists people who want to buy a home or those already  purchasing a home. People that attend the class, will  better understand  types of mortgages, loan terms, and the homebuying process.

After the homebuyer class, staff offer the opportunity to meet with our Financial Coach for Pre-Purchase Counseling. This meeting is tailored to discuss the needs of the individual/family. Meetings include a credit report review and discussing any issues, creating a personalized budget and an action plan to become mortgage ready. The action plan can include: covering ways to reduce debt, fix credit scores, improve debt-to-income ratios.