Programs Offered
Financial Literacy Workshops
Our interactive workshops cover essential financial topics tailored to diverse community needs:
- Banking Basics
- Understanding account types, avoiding fees, and digital banking tools
- Budgeting Strategies
- Creating personalized spending plans and tracking systems
- Saving Techniques
- Building emergency funds and planning for future goals
- Understanding Credit
- Credit reports, scores, and responsible borrowing practices
- Financial Scam Prevention
- Identifying and avoiding common financial scams
- Benefits Navigation
- Accessing available financial assistance programs
“The workshops provided clear, step-by-step guidance that helped me understand banking in America. I now have a savings account and am building my credit score.” — Maria C., Workshop Participant
Credit Counseling
Our certified counselors provide personalized guidance to help you build and improve your credit:
- One-on-one credit report reviews
- Personalized credit-building strategies
- Debt management planning
- Regular progress check-ins
- Referrals to responsible financial products
- Support for resolving credit issues
“After six months of credit counseling, my score improved by 85 points, allowing me to qualify for better housing options.” — Jamal T., Credit Counseling Client.
Affordable Housing Resources
We connect individuals and families with resources to secure stable, affordable housing:
- Housing assistance program navigation
- Affordable rental opportunity information
- Housing application support
- Tenant rights education
- Rental readiness preparation
- Connection to emergency housing resources
“SpheraVita helped me find an affordable apartment and understand my lease before signing. Their support made a stressful process manageable.” — Susan K., Housing Resources Client
First-Time Homebuyer Training
Our comprehensive homebuyer preparation program includes:
- Eight-week homebuyer education course (HUD-certified)
- Understanding mortgage options and the purchasing process
- Down payment assistance program guidance
- Home maintenance planning
- Post-purchase support and resources
- Connection to trusted real estate professionals
“The homebuyer program demystified the entire process. With SpheraVita’s help, I accessed down payment assistance and purchased my first home.” — Carlos M., First-Time Homebuyer