Our financial education, counseling and support helps people reach their money and housing goals so they can overcome crises, afford basic needs, improve money management skills and make sound financial choices rooted in their values. Call us at 255-5166 to book a counseling appointment. If you prefer to do your screening online instead of calling us, visit our screening questions page to take the first step in our online intake process.
All counseling is now done on Zoom (or phone if you don't have computer, smart phone, or internet access). Contact us today. Your gifts, both large and small, will help us to achieve our mission of helping those affected by our cause.
All counseling is now done on Zoom (or phone if you don't have computer, smart phone, or internet access). Contact us today. Your gifts, both large and small, will help us to achieve our mission of helping those affected by our cause.
Services
We are Western North Carolina's trusted non-profit source for financial education and counseling.
OnTrack WNC Financial Education & Counseling (OnTrack WNC) is a private non-profit, community-supported, United Way agency.
Since 1973, OnTrack WNC has helped people achieve their money and housing goals through financial education, counseling and support so that they can overcome crises, afford basic needs, improve money management skills and make sound financial choices rooted in their values.
We are a member of the National Foundation for Credit Counseling (NFCC), accredited by the Council on Accreditation (COA), a HUD-approved counseling agency, and have consistently achieved an A+ rating with the Better Business Bureau.
OnTrack WNC Financial Education & Counseling (OnTrack WNC) is a private non-profit, community-supported, United Way agency.
Since 1973, OnTrack WNC has helped people achieve their money and housing goals through financial education, counseling and support so that they can overcome crises, afford basic needs, improve money management skills and make sound financial choices rooted in their values.
We are a member of the National Foundation for Credit Counseling (NFCC), accredited by the Council on Accreditation (COA), a HUD-approved counseling agency, and have consistently achieved an A+ rating with the Better Business Bureau.
There are 3 FICO credit scores, one for each credit bureau.
Lenders typically look at your middle FICO score to determine if you're eligible for a mortgage and what interest rate to charge you.
The lower the score, the higher the interest rate.
Different mortgage products have different requirements.
The following are typical credit score thresholds but they can vary a bit.
Talk to at least three local lenders and compare APR as well as total finance costs.
Your best offers may include FHA, VA, or USDA Guaranteed loans.
Lenders typically look at your middle FICO score to determine if you're eligible for a mortgage and what interest rate to charge you.
The lower the score, the higher the interest rate.
Different mortgage products have different requirements.
The following are typical credit score thresholds but they can vary a bit.
Talk to at least three local lenders and compare APR as well as total finance costs.
Your best offers may include FHA, VA, or USDA Guaranteed loans.
Free Tax Preparation is available for eligible households through our Volunteer Income Tax Assistance (VITA); IRS trained volunteers can assist you in completing and filing Federal and State taxes at no charge.
Our Women's Financial Empowerment Center provides women-centered classes and counseling to help you create your money vision, build skills, and move toward your financial goals.
If you are an older adult, our Services for Seniors education and counseling is tailored to your age and stage of life.
Our Women's Financial Empowerment Center provides women-centered classes and counseling to help you create your money vision, build skills, and move toward your financial goals.
If you are an older adult, our Services for Seniors education and counseling is tailored to your age and stage of life.
Financially knowledgeable women make better decisions for themselves and their families, increasing their economic security and well being.
The Women's Financial Empowerment Center provides OnTrack WNC's full range of financial counseling and education services with a women-centered approach, responding to women's unique needs and perspectives, to help them reach their financial goals.
The Women's Financial Empowerment Center provides OnTrack WNC's full range of financial counseling and education services with a women-centered approach, responding to women's unique needs and perspectives, to help them reach their financial goals.
OnTrack WNC has programs that help with financial issues, no matter what your age and stage of life!
Planning for Retirement: Have you been thinking about re-evaluating your budget to prepare for a change in your income when you retire?
Our FREE One-on-One Budget Counseling can help provide insight into your new budget.
Reverse Mortgages: If you've got questions or want to understand more, our certified Reverse Mortgage Counselors can provide a thorough overview and discussion of your option.
Set-up an appointment to determine if a reverse mortgage is the right fit for your financial future.
Planning for Retirement: Have you been thinking about re-evaluating your budget to prepare for a change in your income when you retire?
Our FREE One-on-One Budget Counseling can help provide insight into your new budget.
Reverse Mortgages: If you've got questions or want to understand more, our certified Reverse Mortgage Counselors can provide a thorough overview and discussion of your option.
Set-up an appointment to determine if a reverse mortgage is the right fit for your financial future.
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