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HUD-approved non-profit housing counseling agency offering free homebuyer education, financial counseling, and down payment assistance to low-to-moderate income families in LA and Orange County.
Data compiled from public sources
Shalom Center for T.R.E.E. of Life is a 501(c)(3) faith-based non-profit organization founded in 1997 that specializes in comprehensive housing counseling and advocacy services. The organization is HUD-approved and focuses specifically on serving low- and moderate-income homebuyers and tenants across Los Angeles County and Orange County. Their mission centers on revitalizing neighborhoods by providing accessible pathways to homeownership and stable housing.
The organization offers a broad range of free and low-cost services including HUD-certified homebuyer education courses, pre-purchase and post-purchase counseling, mortgage delinquency assistance, financial literacy programs (IDEA Program), down payment assistance programs for both LA/OC and San Diego regions, and a food bank service. They provide credit consultation, housing counseling certificates, and listed resources for fire-affected communities. The agency operates in multiple languages including English and Korean to serve diverse communities.
Shalom Center distinguishes itself through its faith-based approach to housing revitalization, its dual focus on both homeownership preparation and post-purchase support, and its provision of down payment assistance programs—which goes beyond typical credit counseling to address the practical barriers to homeownership. The organization also hosts annual homeownership fairs and maintains an active community engagement calendar. Their HUD-approval specifically qualifies them to provide federally-recognized housing counseling.
As a legitimate non-profit with established infrastructure and community presence, Shalom Center represents a credible free resource for housing-related financial counseling. The main limitation is geographic scope (primarily LA and OC counties) and the reality that while core counseling is free, some listed programs may have eligibility requirements or income thresholds typical of non-profit services.
This is state-level context for Free Help consumers in Los Angeles, CA. It does not confirm that Shalom Center for T.R.E.E. of Life or this specific location is licensed.
State regulator
California Department of Financial Protection and Innovation (DFPI)
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Shalom Center for T.R.E.E. of Life offers 12 services including HUD-certified homebuyer education courses, Pre-purchase housing counseling, Post-purchase counseling and support, Mortgage delinquency counseling, Down payment assistance programs (Los Angeles, Orange County, and San Diego), and 7 more.
Shalom Center for T.R.E.E. of Life has profile signals associated with First-time homebuyers in LA/OC with low-to-moderate income seeking free pre-purchase counseling, Homeowners facing mortgage delinquency or post-purchase financial difficulties, Spanish or Korean-speaking families needing culturally accessible housing guidance, Residents seeking down payment assistance combined with financial education.
Key strengths: HUD-approved housing counseling agency with federal recognition; listed with no monthly subscription homebuyer education and financial counseling services; Offers down payment assistance programs—not just counseling, but direct financial help. Areas to consider: Limited geographic service area (primarily Los Angeles and Orange County; San Diego coverage appears limited); Website lacks detailed pricing/fee structure and specific eligibility requirements for all programs.
In the Free Help category, comparable providers include Abacus Credit Counseling, Consumer Credit Counseling Services, Credit.org. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Shalom Center is profile signals for low-to-moderate income first-time homebuyers and struggling homeowners in Los Angeles or Orange County seeking free, non-profit housing counseling with HUD approval. The main caveat is that while core counseling is free, down payment assistance programs have income eligibility requirements, and service is geographically limited to specific California regions.
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