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NC CADA is a non-profit community development organization serving five rural North Carolina counties with free housing counseling, Head Start programs, and emergency assistance.
Data compiled from public sources
Choanoke Area Development Association of NC, Inc. (CADA) is a Community Action Agency established to serve low-income families and seniors across Bertie, Halifax, Hertford, Northampton, and Martin Counties in eastern North Carolina. The organization operates as a non-profit funded through Community Services Block Grant (CSBG) programs and partners with state and federal agencies including the North Carolina Housing Finance Agency and Department of Health and Human Services.
CADA's mission centers on anti-poverty initiatives and self-sufficiency programs tailored to rural communities with limited access to financial services. CADA offers a comprehensive suite of free and low-cost services including HUD-approved housing counseling through their Foreclosure Prevention and Homeownership Programs, Head Start and Early Head Start early education services, emergency food and shelter assistance, weatherization programs to reduce utility costs, employment services, and parenting programs. The organization also administers Housing Choice Voucher Programs and recently received $162,000 in essential single-family rehabilitation loan funding per county for qualifying homeowners.
Their services target households below 80% of area median income, with specific support for elderly individuals, disabled residents, veterans, and families with young children. CADA distinguishes itself through direct community presence via five county-based service centers staffed with local coordinators who understand regional challenges. Rather than operating as a commercial lender, CADA provides counseling and grants—not loans requiring repayment—making services genuinely accessible to the poorest households.
The organization maintains listed public hearing processes for program planning and publishes annual reports demonstrating accountability to the communities it serves. The primary limitation is geographic scope: services are restricted to five rural North Carolina counties, making CADA unavailable to most consumers. Program capacity appears modest (3-6 housing rehabilitation loans per county annually), meaning waitlists or application windows are likely.
The organization functions as a safety-net provider rather than a comprehensive financial services institution, so consumers needing broader lending products must seek alternative sources.
This is state-level context for Free Help consumers in Rich Square, NC. It does not confirm that Choanoke Area Development Association of NC, Inc. or this specific location is licensed.
State regulator
North Carolina Commissioner of Banks
Consumer protection
North Carolina Attorney General Consumer Protection Division
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Choanoke Area Development Association of NC, Inc. offers 12 services including HUD-approved foreclosure prevention counseling, Homeownership education and preparation programs, Housing Choice Voucher Program administration, Essential Single Family Rehabilitation Loans (up to $162K per county, 2024-2026), Head Start and Early Head Start programs, and 7 more.
Choanoke Area Development Association of NC, Inc. has profile signals associated with Low-income homeowners in rural NC counties facing foreclosure or needing home repairs, Families with young children seeking affordable early education through Head Start programs, Seniors and disabled residents needing emergency financial assistance and utility cost reduction, Veterans and elderly households qualifying for weatherization and homeownership counseling.
Key strengths: listed with no monthly subscription housing counseling and foreclosure prevention services (HUD-approved); No-repayment emergency assistance grants for food, shelter, and urgent repairs; Funded by federal CSBG and state programs—no high-cost lending or high fees. Areas to consider: Geographic limitation: serves only five rural North Carolina counties; Website has broken links and poor navigation, making it difficult to access full program details.
In the Free Help category, comparable providers include Brick Capital Community Development Corporation, Cccs, a Division of Triangle Family Services, Inc., Cccs of Greater Greensboro. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
NC CADA is profile signals for low-income households in rural eastern North Carolina (Bertie, Halifax, Hertford, Northampton, Martin counties) seeking free, non-commercial housing counseling, emergency assistance, or early education services. The critical caveat is strict geographic and income restrictions: services are unavailable outside these five counties and limited to households below 80% of area median income, making it unsuitable for consumers outside this service territory or above income thresholds.
Non-profit CDC providing HUD-approved housing counseling, affordable home development, and supportive housing in Lee County, NC since 1990.
Profile signals: Low-income families in Lee County, NC seeking affordable homeownership with counseling and education support, People with disabilities or survivors of domestic violence/sexual assault needing supportive housing in Lee County area
HUD-approved nonprofit housing counselor serving Triangle area families with emergency rental assistance, eviction prevention, and financial counseling since 1937.
Profile signals: Families facing eviction or housing crisis in Wake County, North Carolina, Individuals experiencing homelessness with diagnosed disabilities seeking permanent supportive housing
Family Service of the Piedmont is a private non-profit providing free and low-cost financial counseling, credit advice, and housing assistance alongside domestic violence, mental health, and family support services.
Profile signals: Greensboro/Piedmont area residents experiencing job loss or financial instability, Domestic violence survivors seeking both shelter and financial independence planning
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