Click on the links below to find programs and services statewide or click on the counties under each category for resources available in each county.
Categories are listed in three major groups: Employment, Housing, and Money.
Programs that maintain listings of available employment opportunities and assign a staff member to help people who are searching for a position to choose and obtain the most suitable option.
Also called Employment Placement, Employment Referrals, Employment Screening, Job Matching, Job Placement, Job Placement Assistance, Job Referral.
Programs that offer apprenticeships, training through business practice firms, classroom training, internships, on-the-job training, work experience or other formats for training that prepares people for specific types of employment. The training may feature formal instruction in an institutional classroom setting, hands-on experience at a job site under varying arrangements or a combination of the two as the means by which trainees acquire the skills required to perform the job.
Also called Career Training, Public Employment and Training Programs, Public Service Employment, Specialized Employment and Training Programs
Programs that provide individual or group training for people who want to learn to present their skills, education and previous work experience effectively in a written resume.
Programs that provide assistance for people who are unable to make their mortgage payments and at risk of losing their homes through foreclosure or who are already in the foreclosure process. Services may include information about the foreclosure process, legal timelines and how to contact and negotiate with a lender; assessment of the homeowner’s financial situation and development of a plan to address homeownership and financial issues; in-depth financial counseling regarding foreclosure avoidance options and/or options that involve leaving the home; advocacy with lenders, when necessary; and referrals to foreclosure prevention resources. Also included are programs that provide mediation services to negotiate a compromise between the individual and the financial institution that holds their mortgage in order to avoid foreclosure.
Also called Mortgage Delinquency and Default Counseling
Programs that help people who want to purchase a home evaluate their readiness for homeownership, shop for housing that meets their needs, resolve potential credit problems, analyze specific home purchase offers, obtain a mortgage loan with advantageous interest rates and an affordable monthly payment, and complete the paperwork to close the loan and complete the sale. Also included are programs that provide assistance for people who want to refinance a home.
Also called Home Buyer Education Classes, Home Buying Counseling, Home Buying Education, Home Financing Counseling, Homeowner/Home Purchase Counseling, Homeownership Counseling, Home Ownership Counseling, Homeownership Education, Home Ownership Education, Mortgage Counseling, Mortgage Refinance Counseling.
Programs that provide cash grants or loans for people who want to purchase or build a home and need all or a portion of the amount that is required to make a down payment on the home or property.
Also called Closing Costs Assistance, Closing Costs Loand/Grants, Downpayment Assistance, Down Payment Assistance, Housing Downpayment Assistance, Housing Downpayment Grants, Housing Down Payment Grants, Housing Downpayment Loans, Housing Down Payment Loans.
Programs that provide cash grants or loans for people who are in the process of acquiring rental housing and who can handle the monthly rental payments, but who do not have the assets to pay the first month’s rent, in some cases, the last month’s rent, and any security deposits required to move in.
Also called Damage Deposit Assistance, First and Last Month’s Assistance, First Month Rental Assistance, Last Month Rental Assistance, Move In Costs Assistance, Security Deposit Assistance.
Programs that help people who are having difficulty paying their monthly bills gain control of their finances. The process generally involves analysis of the individual’s income, expenses, debts, taxes and other factors to create a personal financial assessment; development of a budget for basic living expenses; and agreement on a short-term plan for repayment of creditors which may include debt consolidation or other strategies and a longer term plan for realizing personal financial goals.
Also called Personal Finance Education
Programs that provide assistance for people who want to improve their understanding of the consumer credit lending and collections systems, and maximize their skill in using credit. Services may include help in completing credit application forms, understanding how credit information is analyzed, choosing the best credit cards and/or interest rates available, determining how many credit cards can be managed, protecting one’s credit information, communicating with creditors, improving poor credit reports and associated credit scores, eliminating credit card debt and dealing with other credit card issues.
Also called Consumer Credit Counseling, Counseling for Bad Credit, Credit Card Management, Credit Rating Counseling, Credit Report Counseling
Organizations that provide opportunities for low-income individuals and families to open individual development accounts (IDAs) which enable them to build assets that can be used for postsecondary education and training, business capitalization and home ownership.
Programs that help eligible seniors, people with disabilities, and people with low incomes, prepare their tax returns or complete paperwork to apply for tax credits, rebates, exemptions or postponement programs.
Also called Income Tax Clinics, Tax Assistance, Tax Filing Assistance, Tax Return Preparation Assistance