Individual Counseling

The counseling sessions focus primarily on income, debt, credit, and how best to help you achieve sustainable homeownership. We examine a variety of homeownership options including single family homes, condominiums, multi-family homes, and purchase and rehab loans. We’ll discuss a menu of mortgage products with an emphasis on subsidized mortgages and down payment and closing cost assistance for income-eligible buyers.

Contact Donna Cabana if you have more questions. 413.586.5855 x180 or email dc@valleycdc.com

What to bring to your appointment:
To make the most of our discussion, please bring as much of the following as possible:

Income:

  • One month of pay stubs
  • Bank statements
  • Copy of your credit report
  • Most recent year’s tax return
  • Income from child support
  • Income from Social security
  • Income from part-time employment
  • Information about any other income source

Debt:

  • A recent bill for each credit card, store card or other household debt
  • Original loan documents for personal loans, car loans, and student loans (If you don’t have your original loan docs, check your account on-line for interest rates and student loan status.)

Document Checklist

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