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LIVING WITHIN YOUR MEANSCOMMUNITY AND INTERNET RESOURCESPresenterEdith CampaCommunity Development ManagerVentura County Credit Unionecampa@vccuonline.net805‐477‐4539Ventura County Community Development CorporationFinancial Coaching ‐ Educational programs feature one‐on‐one financial coaching that builds the properfoundation of financial knowledge and skill that leads to real, positive changes in financial behavior throughoutyour life. The education is not a one‐time class – it provides ongoing support, resources, services and productsappropriate to your individual and/or family’s needs and goals.2231 Sturgis Road, Suite A, Oxnard, CA 93030 (805) 273‐7300 www.vccdc.orgMoney Management InternationalMMI is a non‐profit full‐service credit counseling agency, providing confidential financial education, counselingand debt management assistance to consumers. MMI helps individuals and families deal with unmanageabledebts and improve overall financial health through personalized one‐on‐one counseling programs, includingdebt and budget, foreclosure prevention, student loans, credit report review and bankruptcy. Counseling isavailable by appointment in branch offices and 24/7 by telephone and Internet.16800 Devonshire Street, Suite 301, Granada Hills, CA 91344 (866) 889‐9347 www.moneymanagement.orgYour Bank or Credit UnionA lot of financial institutions will provide their customers with financial advisors that don’t charge you anything.These individuals make money from the commissions they get for selling you products but they also go overyour current and past financial situation, taking into account your goals for the future.Your Retirement Plan and Financial Services FirmsMost retirement plan and financial services firm websites have educational information about planning forretirement and financial management during retirement. Look at you retirement plan statements and financialservices firm statement for the website addresses. Social Security also has educational information atwww.ssa.gov.Help for Seniors with Low IncomeBenefits CheckupBenefits Checkup is a service developed and maintained by the National Council on Aging. The site is acomprehensive web‐based service that matches benefit programs to seniors with limited income and resources.http://benefitscheckup.org
LIVING WITHIN YOUR MEANSCOMMUNITY AND INTERNET RESOURCESMindfull Money Tracker for RetireesAn Excell application for tracking expenses. Free of charge, no products or services to sell.Send email requesting program to mindfulmoneytracker@gmail.comAARP Provides Free Tax Preparation for SeniorsAARP has a free service for anyone 50 and older who cannot afford to pay someone to do their taxes. Called theAARP Foundation Tax Aid, AARP sets up locations in the community. For more information contact:Camarillo Health Care District, 3639 East Las Posas Road, Suite 117, Camarillo, CA 93010 (805) 388‐1952Ventura County Area Agency on Aging, 640 County Square Drive, Suite 100, Ventura, CA 93003Assistance, Information and Referrals (800) 510‐2020 or (805) 477‐7300Community Action of Ventura CountyHome Energy Assistance Program – Help with gas and electric billsEnergy Assistance Home Repairs – Repairs to improve energy efficiency in the home.621 Richmond Avenue, Oxnard, CA 93030 (805) 436‐4000 www.ca‐vc.orgUtility AssistanceMost utility providers have programs to help low income seniors. Contact you gas, electric, water and telephoneproviders to learn more about available programs.Supplemental Security Income (SSI)SSI is a Federal income supplemental program funded by general tax revenue (not Social Security taxes). It isdesigned to help aged as well as disabled people who have little or no income. The program provides cash tohelp meet basis needs for food, clothing and shelter.www.ssa.gov/ssi/Tax ReliefPrograms are available to provide relief from state taxes and property taxes.Tax Assistance, California Franchise Tax Board (800) 852‐5711 www.ftb.ca.govVentura County Tax Assessor, 800 S Victoria Avenue, Ventura, CA 93009 (805) 654‐2181www.assessor.countyofventura.orgLegal HelpGrey Law of Ventura County, Inc. offers free legal advice to seniors. Consultation provided in private at yourlocal senior center.3585 Maple Street, Suite 126, Ventura, CA 93003 (805) 658‐2266 www.greylaw.usVentura County Area Agency on Aging (800) 510‐2020 (805) 4777‐7300 www.vcaaa.org/for‐seniors/
FINANCIALEMPOWERMENTFOR SENIORSSince 2001, VCCDC has been the trustedsource for low-to-moderate incomefamilies and individuals seeking financialeducation and homeownership services.VCCDC's Homeownership Specialists canprovide you expert assistance with:Budgeting with your current income & expensesDebt managementCredit managementRefinance assessmentReverse Mortgage Counseling - coming soon!Mortgage assistance programs such as the KeepYour Home California ProgramFree workshops ranging from home maintenance,property taxes, estate planning, social security,identity theft & fraud prevention and moreAccess to community resources through the FamilyFinancial Well-Being CollaborativeContact us: (805) 273-7800www.vccdc.orgVCCDC is a non-profit HUD Approved housing counseling agencyVCCDC is a mortgage broker, CA BRE#01521885; NMLS #347041
EDUCACIÓN FINANCIERAPARA PERSONAS MAYORESDesde el 2001, VCCDC ha sido la fuenteconfiable para familias e individuos de ingresosbajos a moderados que buscan servicios deeducación financiera y de la vivienda propia.Los Especialistas de la Vivienda Propia de VCCDCpueden brindarle asistencia experta con:Plan de presupuesto con sus ingresos y gastos actualesAdministración de duedasAdministración de crédito y mejora de puntuaciónEvaluación de refinanciación hipotecariaAsesoría para la Hipoteca Inversa (Reverse Mortgage)- disponible próximamente!Programas de asistencia hipotecaria como ConservaTu Casa CaliforniaTalleres gratuitos desde el mantenimiento del hogar,impuestos a la propiedad, planificación patrimonial,seguro social, robo de identidad y prevención defraude y másAcceso a recursos comunitarios a través delColaborativo "Family Financial Well-Being"Contáctenos: (805) 273-7800www.vccdc.orgVCCDC es una agencia de asesoría de vivienda aprobada por HUD y sin fines de lucroVCCDC es un agente hipotecario, CA BRE#01521885; NMLS #347041
CA BRE #01521885/NMLS #347041OVERVIEWOF SERVICESEDUCATION & COUNSELING FORHOMEBUYERSOur Homebuyer EducationWorkshop informs potentialhomebuyers about the home buying process from application toclosing. This is a course approved by the U.S. Department ofHousing and Urban Development (HUD).Our Certified Homeownership Specialists offer mortgagereadiness sessions which include an Affordability Analysis, CreditReport Analysis, Tools to Eliminate Debt & Increase Savings,Review of Down Payment Assistance Programs and SpecialtyLoan Products, and a fully customized Action Plan to help theclient meet their homeownership goals.EDUCATION & COUNSELING FORHOMEOWNERSOur Homeowner Workshops cover varying financial & homerelated topics including property taxes, estate planning, energyefficiency & more.Our Certified Homeownership Specialists help guidehomeowners at risk of foreclosure by providing homepreservation options along with a customized Action Plan to helpthe client reach a resolution with their lender/servicer. Clientscan also be pre-screened for the Keep Your Home Californiawhich offers up to 100K in assistance for homeownersencountering a financial hardship.MORTGAGE LENDING SERVICESVCCDC Lending offers unique homeownership opportunities tofamilies who are looking for a home loan, down paymentassistance or refinance options. Our knowledgeable team offers ano-pressure, questions-welcome setting.REALTY SERVICESVCCDC Realty team consist of knowledgeable, honest, andexperienced REALTORs ready to serve you whether you are sellingor buying a home. Our agents will provide you with insightfulinformation about the current housing market always keeping yourbest interest as their #1 priority.Our Mission:"To strengthen and sustain vibrantcommunities by empowering individuals andfamilies to build wealth through educationand homeownership with a primary focus onserving low- to moderate-income clients."2231 Sturgis Rd., Suite A, Oxnard, CA l (805) 273-7800 l www.vccc.orgVCCDC’s Home Ownership Center is a HUD-approved counseling agency and Certified Development Financial Institution (CDFI)VCCDC is a mortgage broker licensed with the California Department of Real Estate #01521885; NMLS #347041
CA BRE #01521885/NMLS #347041NUESTROSSERVICIOSTALLERES & ASESORAMIENTO PARACOMPRADORES DE CASANuestro Taller para Compradores de Casa informa a futuroscompradores acerca del proceso de la compra de casa, desde elcomienzo hasta el cierre del préstamo. Este taller es aprobado por elDepartamento de Vivienda y Desarrollo Urbano de E.E.U.U. (HUD).Nuestros Especialistas en Viviendas ofrecen asesoramiento queincluye un Análisis para identificar la cantidad de préstamo que elcomprador puede pagar, Análisis de crédito, Recursos para eliminardeudas y aumentar los ahorros, Revision de los programas deasistencia de enganche y préstamos hipotecarios, y un Plan deAcción para ayudar al cliente alcanzar la meta de comprar casa.TALLERES & ASESORAMIENTO PARADUEÑOS DE CASANuestros Talleres para Dueños de Casa cubren diversos temasfinancieros y relacionados con la vivienda propia. Estos temasincluyen Impuestos de la Propiedad, Testamentos y Fideicomicios,Eficiencia Energética, y mas.Nuestros Especialistas en Viviendas ayudan a guiar a los dueños decasa que están en riesgo de "foreclosure" al proveer opciones parala preservación de la vivienda. y un Plan de Acción para ayudar alcliente alcanzar una resolución con su banco o prestamista .También ofrecemos asesoría para el Programa de Conserva TuCasa California que ofrece hasta 100,000 para dueños de casa queestán enfrentando una dificultad financiera.SERVICIOS DE PRESTAMOS HIPOTECARIOSOfrecemos oportunidades únicas a familias que estén buscando unpréstamo hipotecario, asistencia para el enganche, o opciones derefinanciamiento. Nuestro equipo de expertos ofrece un ambiente sinpresión, donde las preguntas son bienvenidas.SERVICIOS DE BIENES RAÍCESTenemos un equipo de agentes honestas y con experiencia listas paraservirles con la compra o venta de su casa. Nuestros agentes leproporcionarán información detallada sobre el mercado actual,siempre manteniendo su mejor interés como la prioridad #1.Nuestra Misión:“Fortalecer y sostener comunidadesvibrantes a travez de la capacitacion deindividuos y familias con el fin de crearestabilidad economica a través de laeducación y la vivienda propia con unenfoque primario en servir a clientes debajos a moderados ingresos".2231 Sturgis Rd., Suite A, Oxnard, CA l (805) 273-7800 l www.vccc.orgVCCDC’s Home Ownership Center is a HUD-approved counseling agency and Certified Development Financial Institution (CDFI)VCCDC is a mortgage broker licensed with the California Department of Real Estate #01521885; NMLS #347041
LIVING WITHIN YOUR MEANS COMMUNITY AND INTERNET RESOURCES Presenter Edith Campa Community Development Manager Ventura County Credit Union
