Complimentary Programs and Resources

AAA Fair Credit Foundation – www.faircredit.org - An accredited non-profit credit counseling organization which helps individuals and families experiencing financial distress restore financial balance by providing confidential financial counseling, housing counseling, and debt management relief services.

ConsumerCents – www.consumercents.com - ConsumerCents™ is a financial empowerment education program which teaches consumers fundamental personal finance knowledge, skilss and capability.

Utah Saves – A social marketing campaign designed to help individuals set personal savings goals, develop strategies to reach those goals, and build wealth.

Utah Volunteer Income Tax Assistance – Free Tax Preparation Services – www.utahtaxhelp.org or dial 211 or 888-826-9790

Utah Microenterprise Loan Fund – A non-profit, multi-bank community development financial institution, (CDFI), whose mission is to provide financing and management support to entrepreneurs in start-up and existing firms that do not have access to traditional funding sources – in particular, those who are socially and economically disadvantaged.

People Helping People – The PHP Successful Employment Program gives women the knowledge, tools, courage, confidence and encouragement to win in the world of work. The program combines workshop training, mentoring, coaching, employment referral services, business clothing referral services and more to help women achieve their full potential in the workforce.

Utah Mentor & Choices – Utah's premier site for career, college, and financial aid planning.

Housing Education Coalition of Utah Directory – The Coalition Directory is comprised of Utah non-profit agencies that provide homeownership programs, products and services for individuals throughout the state of Utah. The directory is divided into regions of the state and lists specific services offered, making it easy for you to find the help you need.

Home Sweet Home Utah – A consumer guide containing information regarding resources and programs available to individuals and families seeking affordable housing options throughout Utah.

Clearfield Down Payment Assistance Program – PDF overview of the City of Clearfield, Utah's program to 3 to 1 match downpayment funds for qualified families.

Davis County American Dream Down Payment Assistance – PDF overview of the down payment match funds program in Davis County, Utah for qualified families.

Utah Downpayment Assistance Programs – List maintained by Community Development Corporation of Utah.

Salt Lake Neighborhood Housing Services –Salt Lake Neighborhood Housing Services (NHS) offers low-interest loans to first-time homebuyers wishing to purchase homes in NHS’s target neighborhoods. NHS also administers American Dream Downpayment Initiative (ADDI) funding. ADDI will help first-time homebuyers with the biggest hurdle to homeownership: downpayment and closing costs.

Utah Small Business Development Center – SBDC assists small business owners in achieving maximum potential by providing one-on-one counseling, business skills training, business planning, and loan packaging. To find or contact the SBDC representative in your area, Click Here.

Home Choice Program: HomeChoice is a single-family mortgage loan designed to meet the mortgage underwriting needs of people who have disabilities or have family members with disabilities living with them. HomeChoice mortgages offer flexibility in the areas of loan-to-value ratios, down payment sources, qualifying ratios, and the establishment of credit.

Mutual Self Help Box Elder County: A USDA/Rural Development program administered by NNHC and supported by Utah Housing Corporation and Fannie Mae that makes housing affordable through “sweat equity.” Families work together as a group under the guidance of a construction supervisor to build approximately 65% of their homes. This labor not only acts as the down payment, but can reduce the price of the home by as much as 25%.

Mutual Self Help Cache County: It is a USDA/Rural Development program administered by NNHC that makes housing affordable through “sweat equity.” Eight families work together as a group under the guidance of a construction supervisor to build approximately 65% of their homes. This labor not only acts as the down payment, but can reduce the price of the home by as much as 25%.