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GET STARTED NOWPre-Purchase Counseling
Buying a home is one of the biggest credit decisions people ever make. American Financial Solutions (AFS) offers consumer credit counseling and housing counseling to clients in Washington State to help them make smart choices as they prepare to purchase a home. In confidential, one-on-one counseling sessions, our certified housing counselors will help you assess your current income and assets, versus your monthly expenses and debts. Counseling is available in both English and Spanish. We have included our Pre-Purchase Counseling Intake Packet above for your convenience.
Loan Document Review Counseling
Our Housing Counselors now offer loan document review services for High-Cost Mortgages when Lender’s require a Certificate of Counseling, as well as, Refinancing. This is a valuable service to homeowners seeking assistance to understand Fair Lending and Affordability topics. Working with a Housing Counselor will help you gain a better understanding of how to review your loan documents and the costs of the new loan you are entering into. We have included our Loan Document Review Counseling Intake Packet above for your convenience.
Working in partnership with the Washington State Housing Finance Commission and the Washington State Department of Financial Institutions, AFS assists clients to meet their housing needs.
NEW! USDA RD Direct Loan Packaging
Our Housing Counselors are now Certified Loan Packagers for the USDA RD Direct Loan Program. For more information on this affordable mortgage option for very low to low income households, visit this page or contact us today! Se Habla Español.
Browse our recent blog articles and you will see and learn about the various ways AFS can help you, as well as educate yourself.
On Aug. 24, 2022, the Biden-Harris Administration announced the One-Time Student Loan Debt Relief plan that includes one-time student loan debt relief targeted to low- and middle-income families.. The discharge will not be automatically granted. YOU MUST APPLY. Here are steps to take to determine eligibility and ensure you do not miss important student loan updates.
A recent headline from the Consumer Financial Protection Bureau (CFPB) has alerted consumers that another financial institution has been fined for, “Illegally Exploiting Personal Data to Open Sham Accounts for Unsuspecting Customers.” This typically happens when financial institutions incentivize their employees to open new credit and loan accounts and to sell certain financial products. Find out how you can protect yourself.
According to an article on Bloomberg.com, 53% of couples say inflation is prompting them to discuss money more often with their partners. This is great news as just four short years ago 44% of Americans saw personal finance as the most challenging topic to discuss with others (Scientific American).
Many people have heard of a financial cleanse. And if you have not, it is a way to understand where your money goes and ensure that those expenses align with your financial goals and values. It focuses on changing the relationship we have with money.
Call us at (888) 864-8548
and your counselor will review your credit report, analyze your financial situation and help you find the option that's best for you.
