Your Educational Source Consumer Credit and Budget Counseling, Inc

 
CC&BC is your home for Credit Counseling and Education
Free debt and budget analysis
Frequently Asked Questions
Your source for finanacial literacy education
Client access to tools to manage your account
Contact us for your financial counseling and educational needs

Learn how to better manage your finances Experienced and Certified Counselors to answer your questions Is your budget is balance or are you struggleing every month? Get your budget analyzed by a Certified Counselor who will compre it to others in similar situations No Cost / No Obligation / Completeley Confidential Analysis of your Debt Situation
Learn the basics about how to buy a homeLearn how to reduce your payments and lower your interest ratesLearn how to budget and manage your financesRequired credit counseling and debtor education for bankruptcy

Homeownership Center

Welcome to Consumer Credit and Budget Counseling's Homeownership Center. Here you will learn from a HUD approved housing counseling agency the steps to homeownership. We have brought together some of the best resources the industry has to offer to assist you in the purchase of your new home.

The home buying process can seem complicated, but if you take things step-by-step, you will soon be living the American Dream

Click on the logo's on the right hand side to follow the links or use the following text links: Foreclosure Options, Homebuyer Certificate Program - CCBC Course - Homebuyer Guides - Homeownership Videos - GRANTS - Predatory Lending - HUD - FHLMC - FNMA - GNMA - Money Talks - My Money - How Mortgages Work

Homeownership Counseling
Foreclosure Options AVOID Foreclosure. Watch the following video on Mortgage Delinquency and Foreclosure Prevention. This video contains possible options if you are facing foreclosure
Homownership Counseling Certificate

Consumer Credit and Budget Counseling has developed this Online Homeownership Counseling Certification Program as a convenience to those potential homebuyers who schedules or circumstances do not allow them to attend regular classes and one-on-one homeownership counseling.
Take Consumer Credit and Budget Counseling's 10 Step Multimedia Homeownership Course to learn if Homeownership is right for you, how to select a home, how to shop for a loan, how to prepare your credit for home purchase, and what is involved in the mortgage process. Also you will learn about down payments and closing costs, what to expect at closing and life as a homeowner. (This is NOT the Certificate Program)
Guides
 Homebuyer Guides
Consumer Credit and Budget Counseling's Video Vault Consumer Credit and Budget Counseling's Homeownership Video Vault
Grants for Down Payment and Closing Costs First Time Home Buyer Resources for Down Payment / Closing Costs Assistance (GRANTS)
Stay away from Preditary Loans and Lenders Avoid Predatory Lending!
US Department of Housing and Urban Development The U.S. Department of Housing and Urban Development has a number of excellent resources to assist the home buyer.
Freddie Mac Freddie Mac is a stockholder-owned corporation chartered by Congress in 1970 to keep money flowing to mortgage lenders in support of homeownership and rental housing.
Fannie Mae's Homepath Fannie Mae's For Home Buyers & Homeowners section. This link offers content, tools, and resources for Home buyers
Ginnie Mae Ginnie Mae helps make affordable housing a reality for millions of low- and moderate-income households across America by channeling global capital into the nation's housing markets.
Money Talks with Stacy Johnson

Consumer Credit and Budget Counseling is a proud sponsor of Money Talks with Stacy Johnson on NBC 40

Stacy has put together some very fine videos on your home, Debt and Credit, College, Taxes, and investing (choose the Your Home tab on top)

My Money .gov U.S. Financial Literacy and Education Commission
Providing financial education resources for all Americans

How Stuff Works

 How Mortgages Works -This web site goes through the steps involved in a search for the perfect home. For instance, do you really need a real estate agent? Why do you need to be pre-approved by a bank? How do you negotiate the deal? And, how do you keep from getting a lemon?

 

Customer Service: admin@ccbcinfo.org 866-799-2122
 
 

Licensed:Alabama, Colorado, Connecticut, Idaho, Illinois, Indiana, Kansas, Kentucky, Maine, Maryland, Minnesota, Mississippi, Montana, New Jersey, New York State Department of Banking, Oregon, Pennsylvania, South Carolina, Texas, Vermont, Virginia Wisconsin.
Registered: Alaska, Arkansas, California, Florida, Georgia, Hawaii, Louisiana, Massachusetts, Missouri, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, South Dakota, Washington, Wyoming.
Not offering Debt Management Programs in New Hampshire

 
 

Consumer Credit and Budget Counseling
299 South Shore Rd
Marmora, NJ 08223

Affiliations and Memberships

COA AccreditatedHUD Approved AgencyACCProsBBB Member in good standing(c) 2007 - 2011

Phone Numbers:

Housing / Bankruptcy
ph: 888-738-8233
fx: 888-738-8234

Customer Service
ph:866-799-2122
fx:954-545-9115

Maryland Disclosure:

By entering into an agreement with the Debt Management Services Provider, the consumer authorizes any financial institution in which the licensee has established a trust account for deposit of the consumer’s funds, to disclose to the Commissioner any financial records relating to the trust account during the course of any investigation or examination of the licensee by the Commissioner. The Commissioner of Financial Regulation for the State of Maryland will accept any questions and complaints from Maryland residents regarding Consumer Credit and Budget Counseling Inc. (License #14-70) at 500 North Calvert Street, Room 402, Baltimore, Maryland 21202, phone 1-888-784-0136