Enhancing quality of life by empowering individuals and strengthening communities.

Financial Empowerment Programs

Foreclosure & Homebuyer Education Programs

Alcona | Alpena | Arenac | Cheboygan | Crawford | Iosco | Montmorency | Ogemaw | Oscoda | Otsego | Presque Isle | Roscommon  

Submit Program Documents
Rental Counseling Documents - Click Here
Foreclosure Prevention Counseling Documents - Click Here
Homebuyer Education Class Documents - Click Here
Financial Literacy Class Documents - Click Here

Tax Preparation Assistance:

NEMCSA doesn't offer income tax preparation assistance at this time. However, the IRS offers the service for free through their website. You can click here and it will take you directly to the IRS website. You can also find free file offers for IRS partner websites here.

How We Can Help...


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. 


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.

      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.




HOMEBUYER EDUCATIONHouse in the palm of a hand

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.


Family of 3 looking at their dream homeNEMCSA is now offering ONLINE Homebuyer Education and Financial Capability Classes. NEMCSA has partnered with eHome America to offer online classes so that we are better able to serve our clients. You can access the online classes by clicking HERE. The fee for the online homebuyer education class is $99, however if you contact us before registering online, we will be able to offer you a coupon code to reduce the price of the course. To receive the coupon code please 

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