Credit Success is a program that offers free one-on-one counseling and monthly workshops to anyone in the community who is looking for support and guidance as to how they can reach their financial goals. Whether you want to buy a house or a car, pay off your student loan debt, or understand how to build your credit, Way Finders is here to help. 

Attend a Credit Success Workshop

Credit Success workshops focus on spending plans, credit awareness, money management, and much more. You will learn directly from a Way Finders' certified counselor through interactive and engaging activities. 

To register you will first need to create a Way Finders account that will help us understand where in the process you are. 

Create an account and register

One-on-one counseling

Way Finders adheres to the National Industry Standards for Financial Capabilities. The primary responsibility of our educators and counselors is to provide high-quality education and counseling services. We act on behalf of a client and observe their best interests in helping them achieve their individual financial goals. 

What is the difference between a Financial Counselor and a Financial Planner/Adviser?

Way Finders’ area of focus is financial counseling and coaching.  Financial counselors provide services to those who are low-to-moderate income but can assist anyone, no matter their income level. We tend to assist clients in learning how to pay off debt, understanding their credit, maximizing their income and tax returns, and how to save for their immediate needs. 

Financial Advisors or Planners tend to focus on long term investment and retirement goals. Financial Planners may require a substantial minimum investment, and may charge commissions and fees. 
 

How do I know if I am ready for Homeownership?

This is a complicated question. You should consider the following:

  • You cannot have any accounts in collections. 
  • The higher the credit score, the lower the down payment. 
  • The higher the credit score, the lower the interest rate. 
  • Private mortgage insurance may be waived for those with a higher credit score.
  • You cannot have any accounts in collections. 
  • Do you have savings to weather unexpected emergencies such as a leaky roof?

Remember, even if you are not ready now we can still help you to reach your goal of homeownership. Please contact us for more information.   

You can also visit https://www.mymassmortgage.org to obtain additional information regarding the homebuying process. 
 

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