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COUNSELING & FINANCIAL EDUCATION

If you're a Cleveland Heights resident concerned about budgeting, debt, or credit problems, or if your mortgage is overdue or has an adjustable rate that's about to reset, your first call should be to Home Repair Resource Center. We don't charge for our services, and we're a trusted, local organization. Our counselors will arrange an individual, confidential appointment to answer your questions and help you take control of your financial situation.

Home Repair Resource Center is a HUD-approved counseling agency. We provide one-on-one counseling to help people with many kinds of financial issues:

• budget and finances--If there are too many bills and not enough money, we'll help you get a handle on your debt obligations, understand your credit report, and develop a plan for improving your "personal balance sheet."
• buying a home--We'll help you understand types of mortgages and determine a workable payment that will fit with your budget.
• questions about your existing mortgage--We can look over the papers with you and help you understand terms and options, such as whether the rate is fixed or adjustable, or if there is a balloon payment and/or prepayment penalty.
• considering refinancing or reverse mortgage--We can help you sort through your choices and come up with a good decision for your situation.
• foreclosure intervention--If you are already finding it hard to make your mortgage payment, if your job security is shaky, or even if you've missed some payments or been notified of pending foreclosure, come and talk with us--the earlier the better. We'll work with you to explore ways you might avoid losing your home. While we do not provide money to our clients, we can help you locate and prepare the necessary paperwork and refer you to a partner agency that will work with you and your lender on foreclosure mitigation.
  

  Note: When you call to arrange counseling for foreclosure prevention, you will be asked to attend a brief info session to learn what kind of things we can help with and what legal papers to bring to your appointment.

Home Repair Resource Center also provides a series of interactive financial empowerment workshops designed to help anyone interested in building wealth and gaining a better understanding of finances.

YOU CAN TAKE CONTROL OF YOUR FINANCES! Whether your needs will be better met with individual counseling or a group workshop, you can get the information and help you need by calling Home Repair Resource Center at 381-6100.