Provides pre-purchase home buyer classes and counseling help clients decide whether homeownership is the best decision for them. These classes and counseling may also qualify clients for substantial down payment assistance programs.

Foreclosure avoidance and default intervention counseling is designed to help with whatever options there may be to save clients' homes, or get caught up on payments.

Reverse Mortgage Counseling is available for seniors desiring to stay in their homes by using their equity to produce lump sums for current needs, annuity payments and lines of credit for ongoing needs.

Provides individualized financial counseling to individuals and families. Aims to bring individuals and families out of poverty and improve the financial stability of low- and moderate-income persons throughout the city. Areas of service include:

- Improving credit score.

- Creating a savings plan.

- Reducing debt.

- General money management.

- Safe banking.

- Home ownership planning/management.

Negotiates with current creditors to lower or eliminate the interest rate (typically to 2% to 8%) and have clients debt-free in five years or less. There is no prepayment penalty. Clients can leave the program at any time, although the creditors may return the interest rates to previous levels. Regardless of how many creditors are owed, this program works on a single, consolidated monthly payment.

Homebuyer education offers monthly workshops to help potential homeowners prepare for homeownership; one-on-one counseling is also available after completing the workshop.

Advocacy services include preparing mortgage plan, review purchase agreements, review credit reports, and assist with correcting incorrect information on credit reports.

Foreclosure prevention counseling.

Financial education.

Provides pre-filing counseling about filing for bankruptcy and pre-discharge education.

Offers education on home buying, taxes, business assistance, insurance, budgeting, loan, investments, credit scores, and checking and savings accounts.

Program is offered at the Mexican Consulate.

Provides basic life necessities that helps keep clients in their homes.

MORE is not able to provide unlimited funds to anyone; however, it is available to provide advice and, if available, some funds to those facing eviction or utility shut-offs. The MORE Center is also a facilitator for Salvation Army assistance.

Those facing eviction or utility shut-off (gas, electric) may visit the MORE Center during regular hours to receive an application. Must provide proof of residence, all family income, 5 day notice to vacate or utility shut-off notice, social security number, and any other pertinent documentation. A case worker will call back to evaluate immediate needs and advise on a course of action.

Offers veterans (ill or injured post 9/11 veterans within 10 years of discharge) and their families the opportunity to live in a rent-free, single-family home for a period of two to three years while receiving financial counseling and community reintegration support.

Offers personalized housing counseling services to help individuals and families achieve stable, affordable housing.

Certified counselors provide guidance on a variety of housing issues, including homebuying, homeownership, HOEPA, and HECM reverse mortgages.

Assists with budgeting, debt management, and credit-building to strengthen financial stability.

Offers classes covering a variety of important financial topics, including budgeting, managing debt, and improving credit, to help survivors move from short-term safety to long-term security.