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Fair Housing and Lending Program

PROUD Homeownership Initiative

 

Iowa Mortgage Help

Foreclosure Prevention Assistance

Abusive Lending / Foreclosure Prevention Forum

Free and Confidential Financial Help!*

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. 

   

PLEASE NOTE:  Black Hawk County Classes will be held in Waterloo on August 7, 14, 21, & 28 from 5:30 pm - 7:30 pm.  Classes will be held at the Iowa State University Extension office located at 3420 University Avenue, Suite B.

 

    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.