Partners
AARP
www.aarp.org
www.aarptexas.org
El Paso Information Center
Local Contacts: Hector Esparza or Luis Arreola
595-1485
8900 Viscount Drive, AR-1
El Paso, TX 79925
AARP is a nonprofit, nonpartisan membership organization that helps people 50+ have independence, choice, and control in ways that are beneficial and affordable to them and society as a whole. We have staffed offices in all 50 states, the District of Columbia, Puerto Rico, and the U.S. Virgin Islands. We lead positive social change and deliver value to members through information, advocacy and service. AARP has publications available on predatory lending, mortgage loans, financial planning, consumer fraud, and identity theft. Additionally, AARP prints AARP The Magazine, AARP Bulletin, and AARP Segunda Juventud, and NRTA Live & Learn, a newsletter for 50+ educators. AARP can make referrals as needed to several local attorneys who are part of AARP's Legal Services Network, though specific legal assistance provided will be determined by each attorney on a case-by-case basis. Services are offered in English or Spanish. All programs are low or no-cost.
ACORN Housing
www.Acornhousing.org
Contact: vstjohn@acornhousing.org
781-1303 or 781-1310
6000 Welch, Ste.15
El Paso TX 79905
Acorn Housing is a national non-profit with local offices around the country that builds and preserves affordable housing and develops homeownership and community reinvestment programs serving low-to-moderate income people. Acorn Housing provides homebuyer education, individual homebuyer counseling, and unique mortgage loan products to individuals and families during the home buying process. Participants are guided through the process of shopping for the best mortgage, avoiding predatory loans, working with a real estate agent, and repairing credit. All services are offered in English or Spanish. All programs are low or no-cost.
ACORN Housing is Housing and Urban Development (HUD) and Fannie Mae approved to offer homebuyer counseling.
City of El Paso, Community Development, Housing Programs Division
www.elpasotexas.gov/commdev
City Hall
2 Civic Center Plaza, 8th floor
El Paso, TX 79901
Contact: 541-4639
The City of El Paso, through the Housing Programs Division, offers a variety of programs to qualified individuals and organizations to promote safe, decent, sanitary, and affordable housing within the City of El Paso. The Division offers a variety of housing assistance programs with several new programs being developed. Current programs include the downpayment and closing cost assistance and principal reduction program for first time homebuyers, rehab assistance program for single-family owner occupied properties, and Community Housing Development Organization (CHDO) set aside program. Housing assistance programs are geared towards individuals/families at 80 percent of area median income and below. The Housing Programs Division also manages the Fair Housing Office for the City of El Paso to assist individuals in filing a complaint and locating other fair housing resources. Services are offered in English and Spanish and are low to no-cost.
Consumer Credit Counseling Service of the YWCA (CCCS)
www.ywcaelpaso.org
cccs@ywcaelpaso.org
Contact: Hector Trevino or Rocio Castruita
577-2530
1600 Brown St.
El Paso, TX 79902
Consumer Credit Counseling Service of the YWCA El Paso del Norte
Region is a non-profit community service agency dedicated to helping
individuals solve debt problems, learn better money management skills
and become wise consumers. CCCS offers credit and budget counseling,
debt management, money management education programs, and as a HUD-certified
housing counseling agency, mortgage default and delinquency counseling,
reverse mortgage (HECM) counseling, and pre-and post-purchase housing
education. It is one of two local organizations approved by the
City of El Paso to provide homebuyer counseling sessions for the
City of El Paso's First Time Homebuyer Program.
CCCS of the YWCA is accredited through the Council On Accreditation (COA) and approved by the Executive Office of the U.S. Trustees (EOUST) to provide credit counseling and money management education. All services are offered in English or Spanish. All programs are low or no-cost.
El Paso Affordable Housing Credit Union Service Organization (EPAHCUSO)
www.epcuah.com
Contact: epaffordablehousing@sbcglobal.net
838-9608
4707 Montana Ave. Suite 202
El Paso, Texas 79903
El Paso Affordable Housing Credit Union Service Organization (El Paso Affordable Housing) is a not-for-profit organization formed in 2001 by eight local credit unions to improve the socioeconomic well-being and overall quality of life in the greater El Paso area through financial literacy, savings, and providing access to low-cost capital. The mission of El Paso Affordable Housing is to empower members of the financially underserved community with the ability to develop family wealth and economic and financial stability. El Paso Affordable Housing achieves this mission by offering free financial education, home ownership workshops, credit and personal finance management, income tax preparation assistance, predatory lending prevention, and promoting savings; in addition to developing loan products and financial services that will empower members not only to qualify for a mortgage loan, but also to build wealth and credit worthiness. El Paso Affordable Housing also promotes home ownership retention by providing post purchase, mortgage default, loss mitigation, and foreclosure prevention counseling and also assists future homeowners in Fair Housing and landlord-tenant issues.
El Paso Affordable Housing is a certified housing counseling agency by the U.S. Department of Housing Urban Development (HUD) and Fannie Mae and is one of two local organizations approved by the City of El Paso to provide homebuyer counseling sessions for the City of El Paso’s First Time Homebuyer Program. All services are offered in English or Spanish. All programs are low or no-cost.
El Paso Collaborative for Community & Economic Development
www.epcollab.org
Contact: 629-6704 or 629-6703
One Stop Business Resource Center, Room 538
1359 Lomaland Dr.
El Paso, Texas 79935
The mission of the El Paso Collaborative for Community and Economic Development is to facilitate affordable housing, small business and economic development in El Paso and contiguous counties. The Collaborative’s programs are designed to facilitate wealth creation by developing long-term assets and personal financial management skills. Programs/services include financial literacy workshops, the Affordable Housing Ownership Program, a matched savings deposit program (IDA), Revolving Loan Fund for colonia residents, and income tax preparation (VITA). The Collaborative will facilitate the acquisition of financing and leveraging of new sources of capital for the benefit of Community Development Corporations (CDCs), low-income homeowners, and small business owners, while providing opportunities to create assets. All services are offered in English or Spanish. All programs are low or no-cost.
El Paso Housing Finance Corporation (EPHFC)
www.elpasohfc.org
Contact: 545-0330 to receive a flyer by mail
or 541-4845 for other questions
tirresal@elpasotexas.gov
City Hall
2 Civic Center Plaza, 8th floor
El Paso, TX 79901
The EPHFC is a nonprofit corporation created pursuant to the Housing Finance Corporation Act by the City Council of the City of El Paso. The EPHFC’s mission is to assist persons of low and moderate income to acquire and own decent, safe, sanitary, and affordable housing and to preserve and increase the tax base of local government. The El Paso HFC issues tax-free mortgage revenue bonds (MRBs) which make mortgage loans available to qualified borrowers at favorable rates. These mortgage loans also come with down payment assistance. Applicants for the City Mortgage Revenue Bond Program should apply directly through one of our participating mortgage lenders. The EPHFC’s current MRB program provides incentives for first time homebuyers, military personnel, and purchasers in certain “target” areas of the City. Services are offered in English or Spanish.
GECU
www.gecu-ep.org
Contact: SmartCall 778-9221
For media inquiries only, contact Pat Carmona
pat.carmona@gecu-ep.org or 774-1710
| Branch Locations: | |||
| Northeast Office 5625 Transmountain Rd. El Paso, TX 79924 |
West Office 5670 N. Mesa St. El Paso, TX 79912 |
West Office 1500 N. Resler Dr. El Paso, TX 79912 |
East Office 10435 Vista Del Sol Dr. El Paso, TX 79925 |
| East Office 11987 Rojas Dr. El Paso, TX 79936 |
Ysleta Office 8936 Alameda Ave. El Paso, TX 79907 |
Downtown Office (Business Hours M - Thu 9:30 am - 5:00 pm; Fri 9:30 am - 5:30 pm; Closed Saturdays) 700 E. San Antonio El Paso, TX 79901 |
|
GECU is El Paso's largest locally-owned financial institution. The
credit union is celebrating 75 years of service to our 274,000 members
in 2007. Our mission is to improve the quality of life for our members.
As a member of GECU, you enjoy a variety of benefits; including
savings and investment accounts to help you build a financially
secure future for you and your family; competitive-rate car loans
with up to 100% financing on new and used vehicles; unsecured personal
loans among other loan products; free consumer checking account;
competitive first-lien mortgage loans; home equity/home improvement
loans for property located in the U.S. within 150 miles of El Paso
County; 24/7/365 service and account information by telephone or
online; convenient access to your money with a wide network of local
and out-of-town ATMs, and direct deposit. GECU membership is available
to your family. GECU offers a variety of free educational seminars,
topics of which include Financial Education Workshops and Credit
Ability; Build A Basic Budget; Home Buyer's Seminar; and Blissful
Financial Security. We offer 10 convenient locations all over town.
Housing Authority of the City of El Paso (HACEP)
www.hacep.org
Contact: 849-3796 or 849-3742
For the Homeownership Program, email dzlopez@hacep.org
5300 E. Paisano Dr.
El Paso, TX 79905
The HACEP provides safe, decent, and sanitary housing for assisted
families at or below 80 percent of median income. Assistance is
provided through the Department of Housing and Urban Development
(HUD) and HACEP managed communities throughout El Paso. The HACEP
offers reduced rental rates for HACEP managed properties for qualified
individuals. Evaluation is based on applicant’s income and family
composition. In addition, HACEP manages the Section 8 Rental HCV
(Housing Choice Voucher) Program which provides a monthly rental
subsidy to tenants who have gone through a wait list. For tenants
of Public Housing and tenants of the Section 8 Program who are interested
in becoming homeowners, HACEP also offers the Homeownership Program.
All services are offered in English or Spanish. All programs are
low or no-cost.
Texas RioGrande Legal Aid (TRLA)
www.trla.org
Contact: (888)988-9996 or (915)585-5100
1331 Texas Ave.
El Paso, TX 79901
TRLA is a non-profit organization that specializes in providing
free legal services to the poor in 68 counties in Central, South
and West Texas. Established in 1970, the mission of TRLA is to promote
the dignity, self-sufficiency, safety and stability of low-income
families and communities in Texas; to protect populations with special
vulnerabilities; and to preserve fundamental freedoms by providing
high quality legal assistance and related educational and support
services. All services are offered in English or Spanish. Services
are free.
West Texas Credit Union
www.wtcu-ep.org
Contact: 772-5247
For media inquiries only, contact Luis Caballero
lcaballero@wtcu-ep.org
or 772-5247 ext.205
772-5247 ext.205
Branch Locations:
545 N. Americas
6834
Commerce
401
Franklin, Ste.190
West Texas Credit Union is a member-owned, not-for-profit financial
cooperative that offers a full line of financial products and services
designed to improve the economic and social well-being of members
from all socio-economic backgrounds. We offer payday alternative
loans, free checking accounts, auto & mortgage loans, and we offer
savings accounts which offer some of the best interest-bearing rates
in town. Once a month we host a free, four day financial education
workshop that is open to the community. The credit union has three
branches and serves over 21,000 members. All services are offered
in English or Spanish.