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 provide 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 - Homeownership resources and applicable referrals Home Ownership Counseling and Education Financial Fitness Education