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I Own a Home

Credit & Budgeting

At various times individuals or families need credit or budgeting services. Whether buying a home or already owning a home, it’s extremely important to have a budget and to know the status of one’s credit. Not only does it help a family to determine affordability, it also serves as a guide for saving and spending money.

Knowing about your credit is important for planning for your financial future. Whether buying a house or saving for a car, it’s good to have a plan. If your credit is not the best, you can improve it. Repairing credit takes time. Usually a one doesn’t have the income to immediately clean up their credit. It’s helpful to have a plan to follow with a final goal in mind.

CNHS staff can help you analyze your situation and help you put a plan in place. This can be done through individual counseling or through a Financial Literacy workshop.

No matter how much money you have, you need a plan in place or you’ll never attain your goals.

Testimonial

"The experience I had with CNHS was an absolutely wonderful one! They helped me A LOT in my first homebuying transaction. CNHS made the process simple and SAFE, and stood up for me when I had a difficult time with the bank and my agent.

Even though I met competent professionals at CNHS' first time homebuyers seminar, I unwisely signed a contract with the first agent I found on Internet. She was only interested in her commission and got me into a lot of trouble.

Jocelyn, Brenda and Denise from CNHS helped me through the whole sorded affair above and beyond their duties. My home inspector and all the other professionals I met through the CNHS seminar were reliable, helpful and friendly.

So, even with the delays from the seller's Bank (my house was for short sale), unforeseen winterization issues, and without much help from my official agent - the process was not as stressful or scary as it could have been. I got through with the help of all the great people at CNHS. I would recommend this organization to ALL first time homebuyers. Thank you, CNHS.

  -- Natasha Gurevich

Helpful Links

Great Resources for New Home Owners who want to save $$$:

Twin Cities Free Market
http://www.twincitiesfreemarket.org/

Craig’s List
http://minneapolis.craigslist.org/

Re-Use It Center
http://www.thereusecenter.com/

AccountAbility Minnesota – free tax services
http://www.accountabilitymn.org/

Community Action Partnerships of Ramsey & Washington Counties
http://www.caprw.org/

Eastside Financial Center
http://www.eastsidefinancialcenter.org/

Other links helpful for pre-purchase decisions:

Credit Scoring
http://www.myfico.com/CreditEducation/

Improving Your Credit without Credit Cards or other Debts
http://prbc.com/

Effective Ways to Reduce Your Debt
https://powerpay.org/

Savings Strategies – Creating a Spending Plan to Include Savings
http://www.helpmnsave.org/

Best rates on Savings Accounts and Other Banking Tools
http://www.bankrate.com/brm/rate/chk_sav_home.asp