Financial and Housing Counseling Services and Education

   Wondering how you can improve your financial life?


What We Do

Saginaw-Shiawassee Habitat can help you reach your financial goals with our Financial Counseling and Education program. Services include:

  • Establish or Improve Credit —We provide information on how you can improve your credit file, increase your credit score and how to start building good credit.
  • Reduce Debt—We can help you set goals to pay down debt and explain how to stop debt collectors from constantly calling.
  • Budgeting and Savings—Learn how to budget your money and use the extra savings to start a savings account for emergencies.
  • One to One Meetings with a Certified Housing Counselor
  • Group Workshops– on Budgeting, Saving, Predatory Lending, I.D. Theft, Credit Repair, etc.

Our story

While our organization has mainly focused on building and repairing homes, we also realize the importance of providing financial education and coaching services to help families build financial strength.  Meet one-on-one with a financial coach who will help you set goals and provide the tools you need to build a stronger future for you and your family.


Successful Story:

Sabrina was growing increasingly worried about her property tax bill and didn’t know how she would be able to pay the amount due in time to prevent foreclosure.

Her tax money had been used to remove a garage structure damaged by fire.  At the time she thought she would find a way to get caught up on taxes, but there was never enough to pay them in full.  The balance continued to grow.

By working with a financial coach, she applied to Step Forward Michigan which paid her back taxes in full.  She also created a budget and set goals to stay on track for the future.

She now sets aside a bit of money each month for taxes and is very thankful  that Saginaw-Shiawassee Habitat for Humanity could help save her home.


Small Loan Program                              


If you are approved for our Homeownership or Home Repair Program, you may also be eligible to receive help in the form of a small loan.

  • Pay $25 Application Fee to apply
  • Easy Payment terms, typically paid back over a 12 month period
  • A 5% Processing Fee of the total borrowed can be rolled into loan. APR rates apply when the processing fee is rolled into the loan
  • $1,500 Loan Limit, unless an exception is granted
  • Debt-To-Income Ratios, allowed up to 50%


You and your family may qualify if this loan helps resolve your hardship and payments fall within Debt-To-Income guidelines. 

Financial  Coaching will be required as part of the loan acceptance.


Loans may be used: to cover an unexpected expense, pay off a pay day loan or resolve a collection issue preventing program approval


How to apply

  • Fill out the Application Form we send you
  • Submit the necessary documents to help us determine if you qualify