Our agent was extremely helpful and professional. We received guidance, suggestions, and were treated with great respect and courtesy.
I have used several services in the past several years from the village both in Fargo, ND and St. Cloud, MN. I have received counseling services for myself and bankruptcy information in the past. Recently I have received counseling for my children and financial counseling for myself. I always receive helpful professional yet friendly service that makes me feel comfortable. I have never been disappointed and always recommend The Village to those in need of their services.
I had heard about the First-Time Homebuyers classes put on by the Village. I had been looking at houses and done a lot of research on my own. I heard that attending this class could possibly qualify individuals for a discount from their lenders and it was a required course for people hoping to use down payment assistance programs. I thought I could use the financial benefits so I signed up for the class. It was two nights, about 4 hours each. I thought I knew a lot, but I learned so much. It never felt like a waste of time. I really feel attending this class will save me money in the long run just because I now know what steps to take to make the homebuying process work in my favor. In addition, you receive a one hour one-on-one consultation with a Village financial advisor. I couldn't say better things about the whole experience. A must for someone going through the homebuying process for the first time!
On November 8, 2008 I lost my main income earning job; about 70-80% of our income. My husband had recently been diagnosed with type 2 diabetes; and he already had four other chronic conditions. His medications were expensive and many. We were working with our mortgage company to stay in our home. This in itself was a stressful activity as the mortgage company seemed to keep changing their requirements. All our income was dedicated to the mortgage payments, there was litle left for food and medications. Sometimes we had to skip the meds because there wasn't enough to buy both. As my income declined we became late with our other bills. I have always communicated with our creditors. This time our creditors became impatient with me. Understandable. I felt overwhelmed because I had no way of getting another job like the one I lost. My husband and I began to promote our individual marketable skills in digital transfer (husband) dog training & boarding. It's been 14 months since I lost my job. Most recently my husband's chronic pain has become more intense. The stress of trying to earn income, manage 5 chronic health conditions and calm creditors has left us demoralized. A friend/client of mine who works in social justice suggested we contact the home ownership center online. There I saw a tab for credit repair and debt management. That's how I found The Village. I spent about 30-45 minutes on the phone with Dwayne at the Fargo location. He helped me see what other options we had and the pros and cons of each. We have begun to implement his suggestions and though we are not out of the woods, we have some concrete options to help us navigate the path forward.