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Fair Housing and Lending Program

PROUD Homeownership Initiative

Free and Confidential Financial Help!Iowa Mortgage Help

*VITA is back!  Why pay to borrow your own money????  Avoid tax preparation fees and refund anticipation loan fees by having your taxes prepared for free at a VITA site.  A Volunteer Income Tax Assistance (VITA) site is now open at Operation Threshold's office at 405 Chestnut Street, Waterloo.  Tax preparation will be available on Mondays from 5:00 pm to 8:00 pm and on Saturdays from 8:00 am to 5:00 pm.  The service will be available through the month of March.  Volunteers at the site will do taxes for low and moderate income individuals and families free of charge.  (Households with self-employment income are not eligible).

Foreclosure Prevention Assistance

Brunch and Learn Event

Additional Housing Resources

Operation Threshold's Housing and Fair Lending Counselors Offer:

1) Homebuyer Education

    Classes:  Both the pre- and post-purchase homebuyer education classes are taught in four sessions over the course of a month.  Class topics include financial management and budgeting information, energy conservation, anti-predatory lending information, and home maintenance. 

   Pre-Loan (Purchase) Counseling includes:

    Post-Purchase Counseling includes:

2) Anti-predatory lending education Predatory loans may include pay day loans, car title loans, rapid refund loans, home equity loans, home equity lines of credit loans.  Our counselor presents anti-predatory lending information to public forums, church groups, housing fairs, and other public outlets. 

    To schedule a presentation for your group, contact our Lead Housing Counselor, Lekeisha Veasley.

3) Financial Literacy Education

    Credit Counseling includes:

CASH Course: This is a free four-week program designed to teach people about money management, credit banking issues, identity theft and getting a loan.  The class sessions are taught by experts from several area agencies, including Operation Threshold.

Volunteer Income Tax Assistance:  This service is provided from late January through early March in Black Hawk Buchanan and Grundy counties.  Tax forms are prepared for free by trained volunteers for low-income families. This program promotes the use of the Earned Income Tax Credit (EITC) Program to help insure that low-income people are accurately receiving their income tax refunds.  We will be scheduling appointments for 2007 taxes, beginning in January 2008.  For more information, click here.

"Drop us a line before you sign. One bad loan and you could lose your home."

*There are no income limitations to this program, all are eligible, regardless of level of income. Home Buyer Ed and Post Purchase classes cost $20. All other classes offered throuGoodSearch: You Search...We Give!gh the program are free of charge.

For a downloadable brochure, click here.


Text Box: HUD

                                                                                                                    

               

Black Hawk County Central Office

Buchanan County Office Grundy County Office
405 Chestnut St, P.O. Box 4120 · Waterloo, IA  50704· (319) 291-2065

1707 First St E-3 · Independence, IA  50644 ·  (319) 334-6081

1606 G Ave · Grundy Center, IA  50638 · (319) 824-3460

(c) 2006. Operation Threshold. All rights reserved.