The Flathead Finance Program (FFP) provides one-on-one counseling with clients that would assist in making them mortgage-ready if the need for this service is there.  The purpose of credit counseling is to increase homeownership rates by improving credit, increasing financial literacy, and decreasing the threat of foreclosure for FFP eligible families.  Credit counseling consists of a wide variety of things such as determining if the client has good or bad credit by reviewing their credit report, addressing any collection issues they may have, reviewing income and expenses, and establishing a budget that will provide them to reach their financial goals in order to achieve the main goal of homeownership.

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