Justine Petersen

Services are free. Services include: First-time home buyer's education and counseling program (4-5 weeks)(one-on-one), experienced home buyer's program, financial management, open bank accounts, budgeting (one-on-one), foreclosure prevention, second mortgages, reverse mortgages, Illinois Hardest Fund, Alton Home Repair--Madison County, IL, credit counseling and building, Capital One secured credit cards, small loan alternatives, short-term emergency loans, negotiation of settlements with creditors, credit report error disputes, small business administration, Great Rivers Real Estate, property development. Eligibility Requirements: Low- to Moderate Income (LMI focus), U.S. citizen, Lawful Permanent Residence, and other immigration status accepted; no previous experience with ITIN users, but flexible and can accept; documents do ask for SSC; 580 minimum credit score required for housing counseling program, $250 fee deferred upon purchase of home and paid for by lender.