Housing Counseling: Debt Helper: Non-Profit Bankruptcy, Credit & Housing Counseling Agency

Company Profile

Our Services

Personal Finance Education

Housing Counseling

Bankruptcy Counseling

Financial Education

Frequently Asked Questions

First Time Homebuyer Program Florida Housing's First Time Homebuyer Program (FTHB) offers 30-year fixed interest rate mortgage loans to first time homebuyers through its network of participating lenders and lending institutions. However, if you are not a first time homebuyer, you may still be eligible for this program if you are purchasing a home in a GO Zone county, or other federally designated targeted area. This program uses income and purchase price limits to determine eligibility. Additionally a potential homebuyer must complete a 6-8 hour face to face homebuyer education class, be able to qualify for a mortgage, and have a minimum 600 FICO score.

FL Homebuying Wizard

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Foreclosure Counseling Disclosures

Press Release: FDIC Launches Foreclosure Prevention Initiative

Foreclosure Prevention Tool Kit

NeighborWorks Avoid Foreclosure Rescue Scams

We're here to help. Here's what we do:

Reverse mortgage and housing counseling
Trained and certified counselors.
Face-to-face counseling.
In-house counseling.
Phone counseling.
Group sessions in our classroom.
Multilingual counseling.
Personalized and local service. *We're right here in West Palm Beach.

Call us anytime 1-800-920-2262

Pre-purchase Counseling: Do you know what you need to do before buying a home? Do you have all the right paperwork? How's your credit? Are there any mistakes or past errors that need to be fixed before a bank will give you that loan? Don't know where to start? CCMS is your financial answer. Our Pre-Purchase Counseling session will answer these questions and more and get you on the path to that new home.
Reverse Mortgage Counseling: What exactly is a reverse mortgage? How does it work? Is it for me? Do I even qualify? CCMS is your financial answer for Reverse Mortgages. We can explain how they work, who they work best for, and if you're a good candidate for this unique program.

Click Here to learn more about Reverse Mortgages

Click Here to start HECM Counseling...
Homebuyer Education Programs: Have you been dreaming of your first home, but have no idea where to start? Wondering if you could even afford it, get qualified and move in? Concerned that your credit is not great and confused about the world of banks, loans and paperwork. CCMS is your fianancial answer to home buying. Our Homebuyer Education program offers details and step-by-step guidance on exactly what you need to do today to get into that dream home tomorrow.
Real People, Real Stories Avoid Foreclosure Rescue Scams

Click Here to Watch Same Video in Spanish.
Foreclosure Prevention: Have you received notice about foreclosure? It's scary and overwhelming. Don't know what to do? CCMS is your financial answer. We can explain exact ways to prevent foreclosure and start on the path to financial freedom.

Foreclosure Prevention Help!! Click Here.

Don't let yourself become the victim of a foreclosure scam. Watch a Video on How to Avoid Foreclosure Fraud