Center for Financial Resources: Provides financial counseling and education; homeownership counseling and education; debt management plans; bankruptcy counseling; and Sharpen Your Financial Focus.  First Time Home Buyer Sessions: A certified housing counselor works with clients one on one to complete a pre-purchase counseling reviewing items such as: credit report, current mortgage products, individual budge and affordability considerations and additional financial counseling support as needed. Homebuyer Education Seminars: Provides comprehensive information on the following topics - Money management strategies, including saving for a home, Credit reports, scoring and wise use of credit as a homeowner, Financing options (including FHA, VA, and RD loans) and working with a lender, Predatory lending awareness, Shopping for a home and working with a Realtor, Home maintenance and the home inspection process, and Homeownership resources and applicable referrals