Resources for Financial Advice and Counseling

  • National and Local Financial Counseling Organizations

1. National Foundation for Credit Counseling (NFCC): The NFCC offers a wide range of financial counseling services, including mortgage and housing advice, debt management plans, and budget counseling. They have certified counselors who provide personalized advice.

2. Consumer Credit Counseling Service (CCCS): A nonprofit organization providing free or low-cost counseling services for debt management, budgeting, and mortgage-related issues.

  • Financial Planning Resources

1. U.S. Department of Housing and Urban Development (HUD): HUD offers resources for housing counseling, including
advice on buying a home, foreclosures, and managing mortgage payments.

2. Consumer Financial Protection Bureau (CFPB): The CFPB provides extensive resources on mortgages, home equity loans, and HELOCs, including calculators and guides to understand loan options.

  • Online Financial Planning Tools

1. Bankrate: Offers a variety of financial calculators and tools to help homeowners understand mortgage rates, compare
refinancing options, and plan for home equity loans.

2. NerdWallet: Provides comprehensive guides, calculators, and comparison tools for various financial products, including
home equity loans and mortgage refinancing.

  • Educational Websites and Blogs

1. Investopedia: A comprehensive resource offering detailed articles, tutorials, and explainers on home equity, refinancing,
and mortgage management.

2. The Simple Dollar: A blog that provides practical advice and tips on personal finance, mortgages, and home equity, aimed at helping homeowners make savvy financial decisions.

  • Financial Advisor Networks

1. Certified Financial Planner Board of Standards: Connects individuals with certified financial planners who can provide
personalized advice tailored to individual financial situations.

2. Financial Planning Association (FPA): Offers resources to find qualified financial planners who can assist with long-term
financial planning, including decisions about home equity and retirement.