Community Based Development and Revitalization
We are currently building new constructions and renewing existing structures through rehabilitation. Our community-based development is for the betterment of the East Athens target area (census tracts 301 and 302) we serve.
Downpayment Assistance (Georgia Department of Community Affairs)
American Dream Downpayment assistance is available to Georgia residents who are purchasing a home in Georgia and meet the qualifying criteria. We also provide information and referrals to other financial assistance programs applicable to all Georgia counties. Downpayment assistance can be used for down payment or closing costs.
Call us about the following services if you desire to own a home, retain and maintain the home you currently live in, understand how to improve your credit, develop spending plans and set goals that will help you gain control of your finances.
The Homebuyers Club curriculum, offers a full range of classes in both pre- and post-purchase homeownership education. This series of 8 classes allows you to develop a deeper understanding of homeownership. A variety of housing industry professionals speak to the class and we visit some affordable housing projects in the area. Club members are encouraged to address credit and budget challenges through workshop and in one-on-one sessions. Class members serve as a support group for each other as they strive toward homeownership.
Rent Smart Workshop & Rental Resources
This workshop provides practical education to help renters find and keep decent housing. Money management and credit skills are also taught. EADC counselors can provide information on affordable rental housing. EADC will be providing rental education and counseling for prospective tenants. For more information please contact the housing programs staff and see our upcoming class calendar .
Financial Fitness Seminar
This seminar teaches the skills for tracking spending, increasing savings and making wise loan decisions. Understanding credit reports and self-help credit repair are emphasized. See our calendar for upcoming classes.
EADC’s certified housing counselors help clients set personal goals & develop plans to overcome barriers and reach their goals. We provide support and information along the way. Become one of EADC’s many success stories by contacting the housing programs staff for an appointment.
Post-Purchase Workshop & Counseling (one day)
EADC provides workshops and counseling to help homeowners maintain their homes, financially and physically. Topics covered include wise use of home equity, refinancing, and homeowner’s insurance and home maintenance. All of our counselors are trained in foreclosure prevention counseling. Contact the housing programs staff for an appointment.
Senior Workshop & Reverse Mortgage Counseling
Workshops addressing housing, predatory lending, home equity loans, and reverse mortgages are offered for seniors through the Athens Community Council on Aging. EADC staff are members of the AARP HUD National Reverse Mortgage Counseling Network. Contact the housing programs staff for information on classes and counseling.
Preventing Identity Theft and Avoiding Loan Fraud & Preatory Loans Seminar
Identity Theft is one of the fastest growing crimes in the nation. While all predatory loans may not be illegal, they take unfair advantage of borrowers who can least afford the exorbitant loan costs. EADC’s seminar will cover ways to prevent, detect and recover from ID theft and will help consumers learn stay clear of predatory lenders and recognize abusive loan terms. See our calendar for upcoming classes.