Review 6 listed free help profiles associated with Oakland, California.
California regulates payday loans at a maximum of $300 with a $45 fee cap. The DFPI oversees all consumer lending and enforces the California Consumer Financial Protection Law. Consumers have strong rights under the state's comprehensive lending regulations, including the ability to file complaints online with the DFPI.
Credit coach and business mentor offering credit repair guidance, business coaching, and entrepreneurship training with 15+ years of combined experience. Operates as Bay Area WAV Inc.
Profile signals: Entrepreneurs interested in starting their own credit repair business with structured training and mentorship, Small business owners seeking integrated credit and business coaching from one provider
Habitat for Humanity East Bay/Silicon Valley builds and repairs affordable homes for low-income families while providing housing counseling and homeownership education in the Bay Area.
Profile signals: First-time homebuyers with household incomes up to 120% AMI seeking permanent affordable homeownership in the Bay Area, Low-to-moderate income families wanting to build community connections through sweat equity participation
Nonprofit credit counseling agency offering debt management plans, financial counseling, and educational resources to help consumers reduce debt faster.
Profile signals: Consumers with multiple high-interest credit cards seeking consolidated payment solutions, Individuals considering bankruptcy who want to explore alternative debt management options first
HUD-approved housing counseling agency providing free guidance on homeownership, financial stability, and down payment assistance through a network of certified counselors.
Profile signals: First-time homebuyers seeking free guidance on the homeownership process, Individuals exploring down payment assistance programs and mortgage options
HUD-approved housing counseling agency providing free guidance on homeownership, financial stability, and affordable housing solutions across multiple locations.
Profile signals: First-time homebuyers seeking free education and down payment assistance guidance, Individuals working toward financial stability and homeownership over 12+ month timeframes
NACA is a nonprofit housing counselor offering character-based mortgage lending with no down payment, closing costs, or credit score requirements to help close the racial wealth gap.
Profile signals: First-time homebuyers with limited savings or poor credit who cannot access traditional mortgages, Borrowers in historically underserved communities seeking affordable homeownership with social mission alignment