For anyone who doesn't know where to start with their finances. We’ll cover some basics about financial health and answer any questions you have about personal finance, savings, credit, or loans.

During this meeting we will work with you to develop a realistic budget and brainstorm ways you can change your spending to better suit your needs. Your budget is all about you, so come prepared to look honestly at your spending and your financial priorities.

During a credit counseling session, we can help you understand what’s going on with your credit score and what it’s telling lenders. We will look at your credit score and credit report together and figure out what steps you can take to make your credit score work for you.

This session is for returning clients who do not need to submit an intake form. Please only select this session if you have already worked with a Money Sense counselor.

In a Pre-Purchase home buyer session, we will look at the same requirements mortgage lenders use to see what they might say about your application. We’ll talk about how down payments, credit scores, and income can change what loans you would or wouldn’t qualify for, and what you might need to do to get mortgage-ready. We will also explain the time line of purchase, the roles of the professionals you’ll work with, and some ways to protect yourself.

This appointment is for people who are looking for housing counseling related to a mortgage they currently have. This includes people who just bought a home and would like to come up with a plan for home maintenance or repair, as well as people who are looking to refinance.

If you are at risk of foreclosure or fear losing your home; early intervention will help you understand the choices available to you and to plan for your future.

This session is for returning clients who do not need to submit an intake form. Please only select this session if you have already worked with a Money Sense counselor.