Buying your first home is exciting, but can be overwhelming. It doesn’t have to be. If you are concerned about your financial situation and the chances of keeping your home, CICD, Inc. can provide you with a number of solutions to help you protect your credit, control future costs and modify your loans to keep your home.

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The CICD provides counseling for 1st time home buyers; foreclosure prevention; and some credit counseling. CICD partners with HUD, IHDA, and other agencies; both public and private, to provide this counseling. Here's how we can help:

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Pre-Purchase Discussions

• How Much Home You Can Afford

• How much down payment you’ll need

• Budgeting

• Mortgage definitions

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Rental Counseling Discussions Include:

• Assistance with locating appropriate housing

• Credit review to strengthen apartment applications

• Access to public housing programs

• Landlord-tenant right and responsibilities

 

We Offer Counseling for Various Home Ownership Issues

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Short Sales
A short sale is a common and recommended solution for homeowners who want to avoid foreclosure while protecting their credit.

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Forbearance
If temporary financial strain is preventing you from making payments, we work with your lender to help you get your payments postponed.

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Loan Modifications
If you’re still able to make payments but cannot make the amount required, we may be able to work with your lender to modify the payment or loan agreement.

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Deed in Lieu
If you are unable to make payments and are struggling with your debt, you may be able to voluntarily exchange the title of your home for a discharge of debt.