Our partner Balance has multiple coaching programs for both aspiring and current homeowners. Balance's team of certified financial counselors are available for free confidential sessions for Bay Atlantic FCU members. Choose from three different program outlines, or request a personalized plan for your unique situation.

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Pre-Purchase Counseling

The first year of homeownership is often the most challenging. Our Pre-Purchase Counseling Program will help you prepare for the added expenses and responsibilities of owning a home, so you know what to expect, and where to turn for help. From setting a realistic household budget and reviewing credit reports, to explaining the home-ownership process and lending requirements, our counselors can help guide the way.

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Foreclosure Prevention

Balance is a HUD-certified counseling agency and can make sure you know and understand all of your options, should you ever feel your financial situation threatens your home.

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Reverse Mortgage Counseling

Balance helps to educate seniors on the benefit, consequences, option and process of obtaining a home equity conversion mortgage, and enable them to make a more educated decision about whether this type of loan is right for them.