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

CC&BC's Homeownership Course

Welcome to Consumer Credit and Budget Counseling's Homeownership Course.

In this 10 part course you will explain the steps you will be going through as you prepare to purchase your new home, how to shop for the right house, and what the mortgage lender will be looking for in terms of how you are managing your finances.

Your decision to buy a home represents probably the largest financial commitment you will ever make.  While there are a number of benefits to homeownership, there are also a significant number of responsibilities you will be assuming.  Therefore, it is essential that you fully understand the home buying process, and all that it entails.

Homeownership Counseling

Click here to get the companion guide to the class

Requirements to successfully complete program
Class structure

The home buying decision
Benefits of owning a home
Do I really want to own a home?

What do you want?
Finding the "Right" house
Negotiating the purchase

A guide to credit
Making a budget
Affordability of homeownership

How much can you afford?
Underwriting guidelines
The costs of homeownership

Chapter Six
The Mortgage Process

How mortgages work
Applying for a mortgage
What you need to know about Predatory Lending

The down payment
Closing costs

What happens at the closing?
Preparing for the closing
Closing documents

Home maintenance - - taking care of your home
Meeting your financial obligations

Chapter Ten



Customer Service: 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.
CCBC does not Advertise for, solicit or contract with New Hampshire Customers


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

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