couple buys house

How to Navigate Buying a Home with Student Loan Debt

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Consumers' first line of defense against frauds is awareness, which is why CCCSMD works to safeguard them. People most frequently associate scams with attacks on their identity or financial security, but as the amount of fraud rises, so do the attack strategies, and individual people aren't the only group being targeted. Scammers target businesses, especially nonprofit and volunteer organizations, and their actions can cause significant financial harm.

Affordable Housing Challenges – A Threat to the American Dream

One of the essential pieces of the American dream includes the opportunity to be a homeowner. This dream, for many Americans, has begun to look like a nightmare. Home and rental prices are skyrocketing, inflation is on the rise, and a pandemic we thought would soon be over is still trying to get the last word! As we live in a world filled with so much uncertainty, one thing we can always be certain of will be our need for adequate housing. And let’s be honest, it would be awesome if that housing was more affordable.

The Racial Wealth Gap – Turning Shortage into Abundance

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History tells us that differences in wealth exist between varying ethnic or racial groups and the racial wealth gap has been looming over us for centuries.  The term "racial wealth gap" refers to the difference in assets owned by various racial or ethnic groups, which results from a range of factors that affect the overall economic well-being of these different groups.

Mortgage Types

If you’re searching for a house, there’s a good chance you might also be searching for a mortgage. With so many choices, it’s hard to know which mortgage type is right for you. A variety of factors will impact which mortgage type to choose,…

Navigating the Home Loan Process

So, you’re ready to buy your first home? Wonderful! When done right, home ownership can be a truly rewarding and financially beneficial experience. Owning a home provides flexibility, stability, and freedom that renting cannot match. Still,…

Fair Housing

CCCSMD, a HUD-Approved Housing Counseling Agency, supports and promotes Fair Housing and Housing Discrimination education. As the new year approaches, many people may be ready to make homeownership their New Year’s Resolution and others may…

Rental Eviction Prevention During the COVID-19 Pandemic

We are facing extraordinary challenges during the COVID-19 pandemic.  Unemployment rates are high and a partial or complete loss of income for many Americans is leading people into financial crisis.  For those who have had a sudden loss in…

Why Join a Workshop or Webinar with CCCSMD?

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At CCCSMD, our goal is to help you overcome financial hurdles by teaching you how to manage income, credit, and debt. By teaching our clients how to do this on their own, we know you’ll prosper independently with the skills you need to succeed. With…

Guidewell Expands Homebuyer Education Programs and Mortgage Solutions Counseling with Big HUD Grant Increase

Guidewell Financial Solutions (CCCSMD) has been awarded $398,200 by the U.S. Department of Housing and Urban Development (HUD) to provide education and counseling in nine states. The sizable increase, up from a mere $27,000 as a subgrantee in…

Guidewell Financial Joins National Network of Financial Services Innovators

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Guidewell Financial Solutions , a certified, nonprofit housing and credit counseling provider, has joined the Center for Financial Services Innovation (CFSI) - a national network focused on consumer financial health – on Financial…