Financial

There are 62 program(s) int the Financial Category

Annual Credit Report

Eligibility:

None

Fees: None

Annual Credit Report allows you to view your credit file disclosure (commonly called a credit report) at no charge once every twelve months from each of the nationwide consumer credit reporting companies (Equifax, Experian, and TransUnion). You can view and print your credit report online.

AT&T Access Internet Program

Eligibility:

Low income households meeting the following criteria:

  • With at least one resident who participates in the U.S. Supplemental Nutrition Assistance Program (SNAP)/Food Stamps
  • With an address in AT&T’s 21-state service area, at which wireline home Internet service is offered
  • Without outstanding debt for AT&T fixed Internet service within the last six months or outstanding debt incurred under this program
  • If you are a California resident and at least one member of your household receives Supplemental Security Income (SSI) benefits you also may qualify based on the same requirements that apply to SNAP participants
Fees: $5 to $10 per month

AT&T Access Internet Program offers high-speed internet for qualifying households. There are no contracts, no deposit, and no installation fee. Also includes in-home Wi-Fi gateway and access to the entire national AT&T Wi-Fi Hot Spot network at no extra cost. Please visit the website or call to apply.

California Department of Financial Protection and Innovation (DFPI) (Seniors Against Investment Fraud (SAIF))

Eligibility:

None

Fees: None

California Department of Financial Protection and Innovation (DFPI)s Seniors Against Investment Fraud (SAIF) protect from fraud and educate Californians over the age of 50 about financial and investment fraud, common scams, and unscrupulous sales practices that specifically target seniors. SAIF exists because seniors are prime targets for financial fraud and scams. The goal of the SAIF program is to empower seniors to make informed decisions about investments and finances.

SAIF also empowers seniors to make more informed decisions about finances and investments with its booklet, “Protect Yourself From Fraud.” The pdf download can be found on the website here: https://tinyurl.com/3vc474cd. The booklet contains important information about making financial and investment decisions that can help seniors save money and avoid falling victim to financial fraud and scams. The booklet also contains a tear-out page with questions to ask a financial services professional, the “Check Before You Invest” form, along with a detailed resource guide.

Please contact the Department for information about scheduling a SAIF presentation in your area by calling their toll free number (866) 275-2677. To order their education publications, send an email to outreach@dfpi.ca.gov.

California Department of Veterans Affairs (CalVet Home Loan)

Eligibility:

Veterans who served on active duty a minimum of 90 days (not including training purposes), during wartime or peacetime periods, under honorable conditions.

Fees: Vary

California Department of Veterans Affairs and its CalVet Home Loan program are committed to helping veterans and active duty personnel attain the American Dream of home ownership. Competitive market interest rates with low or no down payment are offered. The eligibility guidelines have been expanded so that nearly any veteran interested in purchasing a home in California is eligible. Please visit the website for detailed information. You may use the menu on the right hand side of this page to get detailed information about the CalVet Home Loan program.

If you are ready to buy a home, CalVet is available to meet your home financing needs. You will find many features and benefits with a CalVet loan that will save you money and help protect your investment for your family.

California Lifeline Program

Eligibility:

You can qualify for California LifeLine if you or another person in your household is enrolled in any one of the following public-assistance programs:

  • Medicaid/Medi-Cal
  • Low Income Home Energy Assistance Program (LIHEAP)
  • Supplemental Security Income (SSI)
  • Federal Public Housing Assistance or Section 8
  • CalFresh, Food Stamps or Supplemental Nutrition Assistance Program (SNAP)
  • Women, Infants and Children Program (WIC)
  • National School Lunch Program (NSL)
  • Temporary Assistance for Needy Families (TANF)
    • 1. California Work Opportunity and Responsibility to Kids (CalWORKs)
    • 2. Stanislaus County Work Opportunity and Responsibility to Kids (StanWORKs)
    • 3. Welfare-to-Work (WTW)
    • 4. Greater Avenues for Independence (GAIN)
  • Tribal TANF
  • Bureau of Indian Affairs General Assistance
  • Head Start Income Eligible (Tribal Only)
  • Food Distribution Program on Indian Reservations

You can also qualify for California LifeLine if your households total annual gross income is at or less than the established annual income limits.

Fees: Cellular service: free or reduced. Home phone: low monthly service charge and connection fee.

California LifeLine Program is a state program that provides discounted home phone and cell phone services to eligible households. California LifeLine discounts help consumers lower the cost of their phone bills. Only one discount per household is allowed (except for teletypewriter users and for Deaf and Disabled Telecommunications Program participants). Each household must choose to get the discount either on a home phone or on a cell phone, but not on both.

For more information, you can call or also use the Chat Now option on the website.

California Water Service Company (Customer Assistance Program (formerly known as LIRA))

Eligibility:

To qualify for California Water Service Company Customer Assistance Program (CAP) you need the following:

  • The Cal Water bill must be in your name.
  • You must live at the address where the discount will be received.
  • Your household (single family residence) must meet the income guidelines detailed below OR someone in your household must be enrolled in a qualified public assistance program.
  • You must notify Cal Water if your household no longer qualifies for the CAP discount.
  • Following enrollment, you may be required to provide proof of eligibility.
  • You are required to recertify your eligibility every two years (four years if you have documentation proving you are handicapped or elderly [62+]).

Maximum Household Income (effective June 1, 2023 – May 31, 2024).

To be eligible for CAP based on household income, your household’s gross annual income may not exceed the guidelines. Please visit the website.

Fees: None

California Water Service Company Customer Assistance Program (CAP) provides a monthly discount service charge for qualified residential customers in a Cal Water regulated service area. Please call or visit the website for an application.

Californias Low Cost Automobile Insurance Program

Eligibility:
  • Valid California drivers license
  • Own a vehicle valued at $25,000 or less
  • Meet income eligibility guidelines
  • Be at least 16 years of age
Fees: Vary

California’s Low Cost Automobile Insurance Program is a state-sponsored program that makes insurance affordable for California residents who meet the eligibility requirements, regardless of immigration status. Wherever you live, youll find these policies more affordable than what most private plans offer. Payment plans are available for as little as 20% down. Major credit or debit cards are accepted. These policies are issued by California-licensed insurance companies. Additional coverage options are also available.

Central Valley Low Income Housing Corporation (Permanent Supportive Housing)

Eligibility:

Must be "chronically homeless" as defined by the U.S. Department of Housing and Urban Development (literally homeless, permanently disabled (mental or physical), homeless for at least one year in the past three years, capable of independent living).

Eligibility requires evidence of residency in San Joaquin County. Enrollment is also dependent on an assessment of need and other requirements as required by federal regulations set forth in the HEARTH Act.

Fees: None

Permanent Supportive Housing is primarily directed to serving the needs of households consisting of an adult homeless person with a permanent disabling condition but also serves homeless households where the head of household is disabled. The program provides rent support and strongly encourages that qualifying participants receive ongoing support services from either the referring agency or a social service agency. Additionally, a self-sufficiency plan is developed with specific goals to assist members of the household toward self-sufficiency. Households must be able to provide for basic living needs in addition to rent.

Households that believe they meet eligibility requirements should contact Central Valley Low Income Housing for full details.

Central Valley Low Income Housing Corporation (Rapid Re-Housing)

Eligibility:

Eligible households must be residents of San Joaquin County and homeless to qualify, as well as other program eligibility requirements.

Fees: None

Rapid Re-Housing is a federally funded temporary rental assistance program (normally not exceeding twelve months) for qualified homeless families that are living in a shelter, living on the streets, or receiving one-time homeless assistance from the Human Services Agency. Families can receive rent and deposit assistance, according to documented need of the household; continuing eligibility is reviewed at least every three months. The head of household must also participate in a plan toward self-sufficiency (education, training or employment).

If you are a family with minor children living in a homeless shelter, in your car, or in another place not meant for human habitation, rent and deposit support may be provided to help you enter permanent housing. Extremely short-term rent and deposit support may also be provided if you are a household without children.

Households that believe they meet eligibility requirements should contact Central Valley Low Income Housing for full details.

Central Valley Low Income Housing Corporation (Homelessness Prevention)

Eligibility:

Vary by program, please see below.

Fees: None

Homelessness Prevention provides short-term, one-time rental and/or deposit assistance to qualifying households that meet all federal and local eligibility requirements. All households must undergo an application and review process through Central Valley Low-Income Housing Corp. Households that believe they meet eligibility requirements should contact Central Valley Low Income Housing for full details.

Homeless Prevention Program: Households must have documentation that they are imminently at risk of becoming homeless as defined by the U.S. Housing and Urban Development Department under the HEARTH Act. Household income must be less than 30% of the areas median income based on household size.

Emergency Solutions Grants (ESG) Rapid Re-Housing Program: Households must meet the definition of homelessness under Category one or Category four as defined by the U.S. Housing and Urban Development Department. Households may be single adults or families with children.

Households must be able to demonstrate the capability of being self-sufficient following assistance. Assistance is usually limited to less than three months. Households must be residents of San Joaquin County. Units assisted must meet FMR limits.

Chinese Cultural Society of Stockton (Chinese New Year Celebration (CNYC))

Eligibility:

None

Fees: Membership dues: $20 for individuals, $25 for a family or organization, $10 for students.

Chinese Cultural Society of Stockton is devoted to enlightening the community about the Chinese culture and its impact on the region. Monthly meetings are held, and the Society also sponsors an annual Chinese New Year festival on the first Sunday in March.

Fundraisers are held to provide scholarships that are distributed every year. If you wish to become a member or for more information on scholarships, please contact by email.

City of Stockton Economic Development Department

Eligibility:

Low-income families

Fees: None

City of Stockton Economic Development Department provides the following assistance to qualified low and moderate income City of Stockton residents:

The Housing Division administers programs that create housing opportunities for residents of Stockton through down payment assistance, emergency repairs, and neighborhood improvements.

Available Housing Programs:

  • Down Payment Assistance Program - designed to assist families with purchasing their first home. The City of Stockton works directly with the lender. Persons interested in the program should contact their lenders immediately to make sure they qualify.
  • Emergency Repair Program - designed to provide one-time emergency repair assistance to low-income property owners. Properties that have one owner over the age of 65 or with special needs may be eligible for a grant.
  • Housing Reconstruct Loan Program - provides money to low-income families to rebuild a house on the existing site only when repair costs are too high or cost more than new construction. Some restrictions apply. The Housing Reconstruct Loan Program is considered when the house does not qualify for the Housing Rehabilitation Program.
  • Housing Rehabilitation Program - designed to provide financial assistance to low-income homeowners in making substantial interior and exterior repairs to bring the property to California and local building code standards, as amended and adopted. Eligibility of participants is limited to owner-occupied, single-family homes or two units on a lot with one of the units occupied by the eligible owner. The property must be located within the city limits of Stockton.
  • Neighborhood Improvement Loan Program - designed for low-income homeowners residing in target areas, action team areas, and safe neighborhoods. Its purpose is to help homeowners make repairs due to City code violations and to assist qualified homeowners who wish to make repairs to their home but who do not qualify for the Citys regular Housing Rehabilitation Program. Funds can be used primarily for exterior improvements such as roof, painting, fencing and landscaping, along with water heater, plumbing, electrical, and sewer.
    For any additional information, please contact the Housing Division at housing@stocktongov.com.

    Community Partnership for Families of San Joaquin (Villa Monterey Family Resource Center)

    Eligibility:

    None

    Fees: None

    Villa Monterey Family Resource Center operates a Family Resource Center with administration offices in one of the highest-need communities in Stockton: the Kentfield neighborhood.

    Service Integration is used as a planning process to create individualized plans to meet the needs of children and their families by utilizing their strengths. The comprehensive and well-coordinated case plans improve the delivery of services because they eliminate duplication and gaps in services and actively involve families.

    Services include:

    • Volunteer Income Tax Assistance (VITA): the Center partners with the Internal Revenue Service to prepare and file basic tax returns to low-to-moderate income individuals and families who cannot or prefer not to prepare and file their own returns.
    • Mobile Farmers Market: the Emergency Food Bank provides families each month with free fresh fruit and vegetables and hands-on instruction around how to prepare delicious, healthy meals.
    • Computer Lab: the computer lab helps families prepare their resumes, look for and secure employment, and complete their homework.
    • Kentfield Soccer Club: The Kentfield Action Team operates a youth soccer club at Weberstown East Park, running from September to June each year taking the summers off. The park is located directly across from Villa Monterey. Youth participating in the soccer club benefit from learning new skills, engaging in regular physical activity, and having fun with one another. For information, please call the Kentfield Soccer Club Manager, Ruth McMaster, at (209) 403-3453.

    Community Partnership for Families of San Joaquin (Volunteer Income Tax Assistance (VITA) Program)

    Eligibility:

    San Joaquin County residents earning less than $67,000 annually.

    Fees: None

    Volunteer Income Tax Assistance (VITA) Program provides free tax preparation to individuals and families. VITA partnered with the Internal Revenue Service to prepare and file basic tax returns in communities across San Joaquin County. In general, you qualify for this service if you earn $67,000 annually or less. VITA also process back taxes and support ITIN applications. Please call 211 for an appointment, as appointments are required.

    VITA locations in San Joaquin County:

    • Villa Monterey Family Resource Center, 4707 Kentfield Road, Suite C, Stockton (209) 644-8605. Monday through Friday 9:00 a.m. to 5:00 p.m.
    • Diamond Cove II Family Resource Center, 5506 Tam OShanter Drive, Stockton (209) 373-2481. Monday through Friday 9:00 a.m. to 5:00 p.m.
    • Dorothy L. Jones/CUFF Family Resource Center, 2044 Fair Street, Stockton (209) 444-5555. Monday through Friday 9:00 a.m. to 5:00 p.m., Tuesday 9:00 a.m. to 7:00 p.m.
    • Lodi Family Resource Center at 118 North Church Street, Lodi (209) 269-8262. Monday through Friday 9:00 a.m. to 5:00 p.m.
    • Taylor Elementary, 1101 Lever Boulevard, Stockton (209) 244-4562
    • Tracy Family Resource Center, 35 East 10th Street, Suite A, Tracy (209) 269-8262. Monday through 9:00 a.m. to 5:00 p.m.
    • Chavez Library, 605 North El Dorado Street, Stockton (209) 483-4190 (Tuesday only)
    • Fair Oaks Library, 2370 East Main Street, Stockton (209) 483-4190 (Thursday only)
    • Mobile, Villa Monterey Family Resource Center, 4707 Kentfield Road, Suite C, Stockton (209) 483-4190 (Saturdays only during tax season)

    If applicable, please bring the below listed items with you to your scheduled appointment:

    • Social Security Card(s) or ITIN
    • Driver’s License(s) or Picture ID
    • Dependent’s Social Security Card & Date of Birth
    • Wage Statements- Form W-2
    • Pension or Retirement Income- Form 1099-R
    • Interest & Dividend Income-Form
    • 1099-INT/Form 1099-DIV
    • Social Security Income- Form SSA-1099
    • Unemployment Income- Form 1099-G
    • Lottery/Gambling Winnings- Form W-2G
    • Self Employment of $5,000 or less- Form 1099 Misc.
    • Child Care Expenses & Provider’s Information
    • Medical Expenses
    • Tuition Payments- Form(s) 1098-T
    • Record of Purchase or Sale of Residence
    • Mortgage Interested Paid- Form 1098
    • Last years Property Tax bill(s)
    • Renters information
    • Gambling losses
    • IRA Contributions
    • Alimony paid or received, spouses name & Social Security Number
    • Cash & Non-Cash Charitable Donations
    • Proof of Health Insurance (1095 A, 1095 B, 1095 C)
    • If you are filing a joint return, both you and your spouse need to be present to sign the return
    • If you choose direct deposit, bring your bank routing and account number or a voided check
    • A copy of last year’s tax return

    CouponChief.com (Retail Savings Guide for People with Disabilities)

    Eligibility:

    People with disabilities

    Fees: None

    CouponChief.com provides a detailed look at ways those with disabilities can stretch their dollars. Discounts, services, and special offers for people with disabilities are widely available. Visit couponchief.com for detailed information on how individuals with disabilities can find discounts and savings on goods and services.

    Covered California

    Eligibility:

    California residents

    Fees: Vary

    Covered California is an easy-to-use marketplace implementing the federal Patient Protection and Affordable Care Act in California. Through Covered California, you and your family can compare affordable, quality health insurance options and choose the one that best fits your needs and budget.

    By law, your coverage cannot be dropped or denied if you have a pre-existing medical condition or if you get sick. You may even be able to get financial assistance through Covered California to make your health coverage more affordable.

    You can receive free, confidential, in-person help in your area. Please visit the website to find a certified enrollment counselor or chat with a live service center team member.

    Department of Consumer Affairs / Bureau of Automotive Repair (Consumer Assistance Program)

    Eligibility:

    To review eligibility requirements and apply, visit www.bar.ca.gov.

    Fees: None

    Consumer Assistance Program offers eligible consumers repair assistance and vehicle retirement options to help improve Californias air quality. Eligible consumers may receive up to $1,200 in emissions-related repairs at a STAR test-and-repair station if their vehicle fails its biennial Smog Check inspection. Eligible consumers may receive either $1,500 or $1,000 to retire their operational vehicle at a BAR-contracted dismantler site.

    Note: Participation is based on meeting eligibility requirements and the availability of funds each fiscal year (July 1 – June 30).


    Earned Income Tax Credit (CalEITC)

    Eligibility:

    Earned Income Tax Credit (EITC) eligibility criteria:

    • Earned income within certain limits (see chart below)
    • You, your spouse, and any qualifying children each have a social security number (SSN)
    • You do not use the “married/RDP filing separate” filing status
    • You lived in California for more than half the tax year
    • You are age 18 or older at the end of the tax year

    Use the online income calculator to determine if you qualify.

    Fees: None

    CalEITC is a cash back tax credit that puts money back into the pockets of Californias working families and individuals, available for the first time in 2016. CalEITC could boost income for an estimated 600,000 eligible families. You must file a tax return in order to receive this cash back tax credit. You can file your taxes for free in person through the Volunteer Income Tax Assistance (VITA) program or online.

    All information regarding CalEITC is available at the website listed, including helpful materials available for print, to help you understand the EITC to get the most money back this tax season.

    El Concilio California (FamilyWORKs (previously known as CalHEPP Program))

    Eligibility:

    Must be an active cash aid recipient.

    Fees: None

    FamilyWORKs (previously known as CalHEPP Program) is helping to build stronger families through virtual and in-person home visiting. Supports families by getting kids ready to succeed in school, providing helpful information and activities for you and your child to enjoy with items you may already have in your home, connecting parents with community resources and helping with online searching and applying for jobs.

    Family Resource Center (Subsidized Child Care Program)

    Eligibility:

    Based on income and need for child care for children up to 13 years of age.

    Fees: Sliding scale

    Subsidized Child Care Program provides childcare subsidies to low-income families with partial or full payment towards childcare while parents are attending school, participating in a training program, or are working.

    Family Resource Center

    Eligibility:

    Residents of San Joaquin County.

    Fees: Sliding scale for subsized child care

    Family Resource Center is a non-profit organization that focus on quality childcare services for all parents, childcare providers, and children of San Joaquin County and the surrounding areas and providing child development and parenting education, nutrition classes, and health and safety training.

    Services include:
    • Childcare assistance
    • Childcare referrals
    • First 5 Programs
    • Preschool Program
    • Information and training for individuals interested in becoming licensed family childcare providers
    • Workshops and trainings on a range of topics
    • Resource Lending Library
    • Information and Referral Call Center
    • CalWORKs Employment Services

    Federal Student Aid (FAFSA)

    Eligibility:

    Vary

    Fees: None

    Federal Student Aid, a part of the U.S. Department of Education, is the largest provider of student financial aid in the nation. The office of Federal Student Aid helps make college education possible for every dedicated mind by providing more than $120 billion in federal grants, loans, and work-study funds each year to more than 13 million students paying for college or career school.

    For more information or to apply for FAFSA, please visit the website.

    Foundation for California Community Colleges (CollegeBuys)

    Eligibility:

    Full or part-time students, faculty and staff at any California Community College. Vendors may request identification verifying eligibility when purchasing a product.

    Fees: None

    CollegeBuys, powered by the Foundation for California Community Colleges, offers discounts of up to 85 percent on a wide-range of educational products from industry-leading software and technology and high quality office and classroom furniture. Community college students are eligible for discounts on products that will help them complete their education. Find the latest discounts at CollegeBuys.org or sign up to receive updates and product information via email.

    CollegeBuys now is offering California Connects Mobile Internet powered by Sprint. Nationwide coverage and no contract required. Enjoy 4G LTE connectivity on any WiFi-enabled device with California Connects. Initial cost of hotspot device and first month subscription required, monthly internet is $19.99 thereafter. With 30 GB of data, students, faculty, and staff can stay connected to the internet in school and at home. Coverage and network availability varies by area. See sprint.com/coverage for details. Price valid only for California residents.

    Please visit the website at http://store.collegebuys.org/

    Gospel Center Rescue Mission (Payee Services)

    Eligibility:

    Services are provided for individuals that are on SSI and need services to pay bills and budget money.

    Fees: $41 monthly

    Payee Services is designed to assist clients who receive Social Security Income (SSI) for disability and/or mental health problems manage and budget monthly checks. Payee Services operate the largest homeless focused non-profit Representative Payee in San Joaquin County overseeing accounts totaling over six million dollars.

    The purpose is to provide services that ensure the payment of rent, utilities and food needs first, and then provide the recipient with funds that will provide for the purchase of personal care items and services out of the clients remaining resources. Services will be provided in a way that encourages and respects client dignity and participation in determining the use of funds.

    GRID Alternatives (Energy For All Program)

    Eligibility:
    • Home must be owner-occupied and in an area where owner has funding
    • Must be income-qualified (refer to PG&E CARE/FERA income guidelines)
    • Roof/home must be suitable for solar
    Fees: None. This is a state-funded program.

    Energy for All offers a no-cost solar program. By leveraging state and local tax incentives, the program offers solar installations on homes at no cost.

    GRID Alternatives (Home Solar Program)

    Eligibility:

    To be eligible, you must:

    • Own and live in your home
    • Have a total household income in 2020 at or below the following limits: 1-2 person household: $34,840, 3-person household: $54,900, 4-person household: $66,250, 5-person household: $77,600, 6-person household: $88,950, 7-person household: $100,300. Additional persons: add $11,050 each.

    Enter your address here to see if you are in an area served by GRID Alternatives (red zone): http://oehha.maps.arcgis.com/apps/View/index.html?appid=c3e4e4e1d115468390cf61d9db83efc4

    Fees: None

    GRID Alternatives is a California-based nonprofit organization that makes renewable energy technology accessible to underserved communities. The organization brings solar at no cost to income-qualified homeowners living in communities most impacted by environmental pollution.

    The goal of GRID Alternatives is to help families save on electricity bills, helping to alleviate financial burdens while reducing the carbon footprint. The beneficiaries of the program typically save 60% or more on their electric bill. Each solar installation also provides hands-on solar training for volunteers and job trainees while spreading clean, renewable energy in the communities that need it the most.

    To make these projects possible, GRID Alternatives partners with local government, other non-profits and community organizations to bring solar to lower income families. Since 2004, the organization has installed over 14,000 solar systems nationwide, has been recognized as a Champion of Change by the Obama Administration and is working with the White House to make solar a more inclusive industry.

    Please visit website for more information.

      Internal Revenue Service (IRS)

      Eligibility:

      None

      Fees: Vary; depends on individual income.

      Internal Revenue Service (IRS) is the United States government agency responsible for the collection of federal taxes and enforcing tax laws. Information is available on the website.

      Internal Revenue Service (IRS) (Volunteer Income Tax Assistance Program (VITA) and Tax Counseling for the Elderly (TCE))

      Eligibility:

      Please see below.

      Fees: None

      Internal Revenue Service (IRS) Volunteer Income Tax Assistance Program (VITA) and the Tax Counseling for the Elderly (TCE) Programs offer free tax assistance to taxpayers who qualify. Trained community volunteers may help with special credits, such as Earned Income Tax Credit, Child Tax Credit and Credit for the Elderly or the Disabled. In addition to free tax return preparation assistance, most sites also offer free electronic filing (e-filing). Individuals taking advantage of the e-file program will receive their refunds in half the time compared to returns filed on paper – even faster when tax refunds are deposited directly into ones bank account.

      VITA Program offers free tax assistance to low-to-moderate-income (generally, $67,000 and below) people who cannot prepare their own tax returns. Certified volunteers sponsored by various organizations receive training to help prepare basic tax returns in communities across the country. VITA sites are generally located at community and neighborhood centers, libraries, schools, shopping malls and other convenient locations. Most locations also offer free electronic filing. To locate the nearest VITA site, please call (800) 906-9887.

      Tax Counseling for the Elderly Program provides free tax assistance to people aged 60 and older. Trained volunteers from non-profit organizations provide free tax counseling and basic income tax return preparation for senior citizens. Volunteers who provide tax counseling are often retired individuals associated with non-profit organizations that receive grants from the IRS. For more information on TCE, please call (800) 829-1040. To locate the nearest AARP Tax-Aide site, please call (888) 227-7669 or visit AARPs Internet site.

      Internet Essentials from Comcast

      Eligibility:

      To qualify for this affordable Internet service and a low-cost computer, your household must meet all these criteria:

      • Be located where Comcast offers Internet service
      • Have at least one child eligible to participate in programs like the National School Lunch Program, housing assistance, Medicaid, SNAP or SSI
      • Have not subscribed to Comcast Internet service within the last 90 days
      • Households who owe money to Comcast may still qualify
      Fees: $9.95 per month internet service.

      Internet Essentials from Comcast brings the power of the Internet to more students and families across the country. It offers fast, affordable home Internet service for only $9.95 a month to qualifying families. You can apply online or call for more information.

      While participating in Internet Essentials:

      • Fast home Internet service for only $9.95 a month, plus tax
      • Never have any price increases or pay any activation or equipment rental fees
      • Buy a computer at initial enrollment for the low price of just $149.99 + tax
      • Free Internet training — online, in print and in person

      Legal Services of Northern California (LSNC) (Western States Pension Assistance Project (WSPAP))

      Eligibility:

      WSPAP serves callers of all ages and income levels who live or have worked in California, Arizona, Nevada or Hawaii. There are no age or income requirements to this project. Must be a U.S. citizen or eligible immigrant.

      Fees: None

      Western States Pension Assistance Project (WSPAP) is a pension counseling project within Legal Services of North California (LSNC) that provides services free of charge. WSPAP offers a knowledgeable pension team that can help you understand your retirement plan rights and claim the benefits you have earned, regardless of the type of company or retirement benefit involved. Messages are returned within one to two weeks.

      WSPAP also assists with:

      • Claim retirement benefits that have been denied
      • Pension overpayment and recoupment questions
      • Tracking down retirement benefits from past employers
      • Understanding and correcting pension benefit calculations
      • Understanding spouse and survivor benefits
      • Answering questions about complicated pension laws
      • Obtaining hard-to-find retirement plan documents

      Lodi Electric Utility (Single Household Alternative Rate for Energy (SHARE))

      Eligibility:

      Please see below.

      Fees: None

      Single Household Alternative Rate for Energy (SHARE) offers a 30% discount on monthly electric service charges to eligible, low-income households, based on income criteria for the State of California Low-Income Home Energy Assistance Program.

      Applications are accepted online at: https://utilhelp.com/home/index?Referrer=LEU

      Making Home Affordable Program

      Eligibility:

      Vary

      Fees: None

      Making Home Affordable Program (MHA) helps homeowners in avoiding foreclosure, stabilizing the countrys housing market, and improving the nations economy. If expenses have increased due to medical bills or picking up the pieces after a separation or divorce, this program is available. There are a variety of MHA programs that may help homeowners having difficulty making mortgage payments. Please visit the website or call for more information.

      Medi-Cal Access Program (MCAP)

      Eligibility:

      Must meet the following criteria:

      • Pregnant
      • A California resident
      • Ineligible for no-cost Medi-Cal or Medicare Part A & Part B
      • No maternity benefits through private insurance, unless deductible or co-payment is more than $500 (for maternity services)
      • Meet income guidelines
      Fees: Total cost is exactly 1.5% of adjusted annual household income after income deductions.

      Medi-Cal Access Program (MCAP) offers low-cost health coverage for mid-income pregnant women. It has been designed for middle income families without health insurance and whose income is too high for no-cost Medi-Cal. MCAP is also available to those who have health insurance if their deductible or co-payment for maternity services is more than $500. If you qualify for MCAP, your baby is automatically eligible for enrollment in the MCAP Infant Program unless your infant is enrolled in employer-sponsored insurance or no-cost Medi-Cal. Please contact the toll free number for more information or visit the website to complete the infant registration form.

      Microsoft Office 365 Education

      Eligibility:

      Available for students and educators with a valid school email address.

      Fees: None

      Microsoft Office 365 Education is available for students and educators at eligible institutions.

      It offers the following free software programs:

      • Word
      • Excel
      • PowerPoint
      • OneNote
      • Microsoft Teams
      • Classroom tools

      To enroll, you will need a valid school email address. To learn more, please visit the website.

      Money Management International

      Eligibility:

      Anyone seeking to reduce their debt and/or use their money more effectively.

      Fees: Debt management plans will have a monthly service charge not exceeding $50. Budget, credit, and housing counseling is free.

      Money Management International provides consumers with quality consumer education and credit counseling.

      Debt Management Plans are available to customers who want to become debt-free. Consumers meet with a certified credit counselor who will review their budget and debt and then create a plan to live within the budget and still become debt free.

      Education programs are available through online and workshop formats. Courses include Homebuyer Education, Debt Management Plans and other multiple online courses.

      Homebuyer Education courses provide consumers with the opportunity to learn the process of purchasing a home. Tips include budget and credit as well as the role of lender, realtor, title company, inspectors and insurance.

      Money Management International has been approved to issue certificates evidencing completion of a personal finance management course in compliance with the Bankruptcy Code. This course is offered by telephone or webinars.

      MyMoney.gov

      Eligibility:

      None

      Fees: None

      MyMoney.gov is a U.S. government website dedicated to teaching all Americans the basics about financial education. Whether you are buying a home or balancing your checkbook, the resources on MyMoney.gov can help you maximize your financial decisions. Throughout the site, you will find important information from 20 federal agencies designed to help you make smart financial choices. The site also contains activities and tools for adults and youth on earning, borrowing, saving, investing, spending and protecting money. For individuals who do not have internet access, the toll free phone number is available.

      Pacific Gas & Electric (PG&E) (California Alternate Rates for Energy (CARE))

      Eligibility:

      Please see below.

      Fees: None

      Pacific Gas & Electric (PG&E) California Alternate Rates for Energy (CARE) Program gives qualified households deep discounts on their energy bills. Average discount is about $500 per year. Applications are now available online.

      You can also apply for a monthly discount on your electric bill through the Family Electric Rate Assistance (FERA) program if your family meets program guidelines.

      Guidelines for the programs are as follows:

      • PG&E bill is in name of person who is applying
      • Live at the address where the discount will be received
      • Cannot be claimed as a dependent on another person’s income tax return other than spouse
      • Must account for all sources of qualifying household income and meet program guidelines
      • Do not share an energy meter(s) with another home
      • Household meets the FERA/CARE income eligibility requirements
      • Following enrollment, you may be selected for income verification and must provide proof of qualifying household income in order to remain on the program
      • Notify PG&E if your household no longer qualifies for the FERA/CARE discount
      • Renew your eligibility every 2 years

      Partnership for Prescription Assistance

      Eligibility:

      Each patient assistance program has its own eligibilty criteria. Please visit website and complete application to determine eligibility.

      Fees: Vary; free to low-cost.

      Partnership for Prescription Assistance helps qualifying patients without prescription drug coverage obtain the medication they need at low or no cost. The mission is to increase awareness of patient assistance programs and boost enrollment of those who are eligible. You can also find a free or low-cost clinic near your home or workplace. Visit Help With Prescription Medications through Patient Assistance Programs (scbn.org) for more information.

      PREVAIL (Pioneering Restoration and Elevating Voices of Advocacy, Idealism and Leadership)

      Eligibility:

      Please see below.

      Fees: None

      PREVAIL (formerly Womens Center - Youth & Family Services) has been San Joaquin Countys primary provider of free, confidential services and shelters specifically designed to meet the needs of homeless and runaway youth and victims of domestic violence, sexual assault, and human trafficking. Through these programs and services, victims can heal, restore hope, strengthen families, and build a safer community.

      Services offered by PREVAIL include:

      • Shelters for victims of domestic violence and their children
      • Shelters for homeless and runaway youth
      • The Spot Youth Center
      • 24-hour helplines
      • 24-hour hospital response and accompaniment for sexual assault victims
      • Individual peer counseling
      • Individual and family therapy
      • Support groups for battered women and men, survivors of sexual assault, youth and teens, and adults molested as children
      • Parenting classes for teens and adults
      • Life skills training
      • Employment readiness
      • Case Management
      • Advocacy and accompaniment to law enforcement agencies, court proceedings, hospitals, and social service providers
      • Temporary Restraining Order (TRO) assistance
      • Information and referrals
      • Emergency food and clothing
      • Just for Kids children’s counseling program
      • Financial literacy program
      • After care programs
      • Legal and justice system information
      • Youth mentoring program
      • Services for minors who are victims of sex trafficking and exploitation
      • Prevention education presentations on domestic violence, sexual assault and other forms of social violence
      • Community education and outreach

      Shelter Programs (Crisis Specialists are available 24/7 to complete an assessment over the phone to determine if an individual is eligible for these programs):

      • DAWN House, located in Stockton, and Serenity House, located in Tracy, are two undisclosed emergency shelters designed for individuals and families who are fleeing domestic violence, sexual violence, or human trafficking.
      • Safe House, located in Stockton, offers up to 21 days of shelter and supportive services for youth running away at risk of/or experiencing homelessness (aged 12 to 17).
      • Opportunity House, located in Stockton, provides up to 21 months of shelter and supportive services to prepare youth or young adults experiencing housing instability for independent living. The program serves youth aged 18 to 22 and emancipated youth from 16 to 17 years old. The program also offers emergency 30 day stay for youth ages 18 to 25 years old.

      Salvation Army (REACH)

      Eligibility:

      Must have a 48-hour or 15-day PG&E shutoff notice and be a resident of the city/locality in which you are seeking assistance.

      Fees: None

      Relief for Energy Assistance through Community Help (REACH) is designed to assist needy families with payment of their PG&E bills. It is administered through Dollar Energy Fund. Funds are available to pay only a late utility bill (no deposits). Families may receive assistance every 18 months until funds have been exhausted. Appointments must be scheduled. Walk-ins accepted.

      Salvation Army, Stockton

      Eligibility:

      Low income Stockton, French Camp, Lathrop, Tracy, Escalon and Manteca residents.

      Fees: None

      Salvation Army, Stockton assists needy families with emergency food, clothing and furnishings when their homes have been destroyed by fire or any form of disaster or calamity. Salvation Army also provides assistance with paying for a PG&E bill through its Dollar Energy program. No requirements for the Youth Center.

      Stockton Salvation Army sites:

      • Adult Rehabilitation Center & Thrift Store: 1247 South Wilson Way, Stockton (209) 466-3871. There is a car lot featuring used and running cars ranging from $300 to $2,000
      • Community Center: 1305 East Weber Avenue, Stockton (209) 948-8955
      • Emergency Food Distribution: Monday and Wednesday 9:00 a.m. to 12:00 p.m. and 1:00 p.m. to 3:00 p.m.
      • PG&E screenings: Tuesday and Thursday 9:00 a.m. to 12:00 p.m.

      San Joaquin County (Public Guardian/Conservator’s Office)

      Eligibility:

      Individuals with psychiatric or cognitive impairments such as Dementia/Alzheimers. Only clients of Behavioral Health may utilize the Payee services.

      Fees: As court ordered for conservatorships or $40 per month for payees. Fees subject to change.

      Public Guardian/Conservator’s Office assists people who need protection of their personal needs and/or estate due to their psychiatric or cognitive impairments. Payeeships are offered for people who have mental health diagnoses and are receiving Social Security and/or Veterans benefits.

      San Joaquin County Department of Aging and Community Services (Garden Acres Community Center)

      Eligibility:

      Must be low-income (some programs are not income based). To qualify for emergency food, must bring in documentation. Please call to learn what documentation is needed for each family member.

      Fees: None

      Garden Acres Community Center participates in the government commodity program for individuals meeting income and residence requirements. Food is distributed on the third Thursday of the month at 8:00 a.m. to qualifying individuals living in the 95212, 95215 and 95236 zip codes. Emergency food is distributed on Tuesdays with registration from 9:00 a.m. to 11:00 a.m. and pick-up from 12:00 p.m. to 2:00 p.m. Donated food is distributed on most Mondays, some Wednesdays, and Fridays at 11:00 a.m.

      Other services:
      • Assistance with homeowners and renters assistance claims for disabled, low-income and elderly individuals. Please call ahead of time.
      • Emergency assistance with PG&E bill (H.E.A.P). Applications only. Please call (209) 468-3988 for more information.
      • Eligibility worker is available on Monday to assist with applying for Food Stamps and Medi-Cal benefits. Please call to schedule an appointment.
      • Senior Congregate Meals Monday, Wednesday and Friday for seniors 60 and up. Please call to inquire about registration ahead of time.
      • After School Snacks are given out Monday, Wednesday, and Friday for any school aged children.

      Please contact the Center for most updated distribution days and times.

      San Joaquin County Department of Aging and Community Services (Weatherization Program)

      Eligibility:

      Low income San Joaquin County residents.

      Fees: All services are based on funding; please call for more information.

      Weatherization Program offers the following energy saving measures and repairs:

      • Minor housing repairs
      • Glass replacement
      • Attic venting
      • Low-flow shower head
      • Ceiling insulation
      • Caulking
      • Door weather strip
      • Duct wrap
      • Microwave and refrigerator exchange
      • And much more.

      While there are no fees charged to landlords, the landlord must be willing to agree not to increase the tenant’s rent due to the improvements.

      San Joaquin County Department of Child Support Services

      Eligibility:

      None

      Fees: None

      San Joaquin County Department of Child Support Services provides the following services:

      • Locating parents
      • Establishing paternity
      • Requesting child support and/or medical support orders from the court
      • Enforcing child and spousal support orders
      • Modifying child support orders
      • Collecting and disbursing child support payments

      San Joaquin County Human Services Agency (Childrens and Adult Services)

      Eligibility:

      Programs are funded by the state and federal governments and eligibility is based upon their guidelines.

      Fees: None

      San Joaquin County Human Services Agency is the communitys provider of those services essential to the well-being of county residents. While all of the programs are locally administered, most are federally and/or state-funded. The mission is to lead in the creation and delivery of services that improve the quality of life for the community. Human Services Agency provides a variety of programs and services locally. These programs include:

      • CalWORKs
      • CalFresh
      • Medi-Cal
      • Aging and Adult Services
      • Children’s Services

      San Joaquin County Human Services Agency (Home Energy Assistance Program (HEAP))

      Eligibility:

      Low-income individuals and families. First priority is given to households with high monthly energy costs, seniors, disabled, and children under the age of 5.

      Fees: None

      Home Energy Assistance Program (HEAP) assists qualified residents with their energy costs. Households may apply once per year for payment of an electric, gas or propane utility bill. Assistance is contingent upon availability of program funding. Residents can find additional information by visiting the website.

      Required documents:

      • Birth certificate or proof of legal residency
      • Proof of income for the last 30 days
      • Recent electric/gas or propane utility bill

      San Joaquin County Human Services Agency (Medi-Cal)

      Eligibility:

      Individuals who are potentially eligible for Medi-Cal include those who are:

      • A United States citizen or legal resident, and
      • A California resident, and
      • In a household with Modified Adjusted Gross Income (MAGI) below 138% of the Federal Poverty Level (FPL) for adults and 250% FPL for children.

      Income levels are different for pregnant women and disabled or elderly populations. Individuals between the ages of 26 and 49 who are unable to provide proof of citizenship/legal resident status may be eligible for restricted Medi-Cal to cover pregnancy and emergency services.

      Fees: None

      Medi-Cal offers health care coverage for low-income residents of California who have little or no personal health insurance or are having trouble paying for medical services. Medi-Cal is supported by federal and state taxes and administered by local county departments. Please call for more information on application criteria and process.

      San Joaquin Delta College (Financial Aid and Scholarships)

      Eligibility:

      Must be a student at San Joaquin Delta College and must meet program eligibility requirements.

      Fees: None

      Financial Aid and Scholarships Department assists students in meeting expenses associated with their education. Expenses include books, supplies, food, transportation, and housing expenses. Financial aid is available to qualifying students in the form of state and federal grants, federal work study, scholarships, student loans, and state grants. The Financial Aid and Scholarships Department also offers outreach services for potential financial aid applicants including low-income and disadvantaged students.

      San Joaquin Medical Society (Scholarship Loan Fund)

      Eligibility:

      Loans are available to current residents of San Joaquin, Alpine, Amador and Calaveras Counties. Persons who were born or attended school in these counties are also eligible.

      Fees: None

      San Joaquin Medical Society Scholarship Loan Fund provides interest free loans to medical and nursing students. Please call or visit their website for additional requirement information, loan terms and application deadlines.

      Scholarship types and amounts:

      • M.D. $10,000 to $40,000 per year
      • R.N. $4,000 to 8,000 per year

      Service First of Northern California (SFNC)

      Eligibility:

      Referral from agency or private physician.

      Fees: Vary

      Service First of Northern California (SFNC) is a 501(c)(3) Non-profit Public Benefit Corporation that serves as an umbrella organization and operates ten community based programs. The "Service" focuses on the neediest individuals in the community. Supportive services are provided to individuals that are developmentally disabled, mentally ill, physically disabled, homeless Veterans, Social Security beneficiaries, and those struggling with addiction.

      Services offered:

      • Representative Payee Services in Modesto and Stockton
      • Supportive Living Services for developmentally disabled consumers. Services are designed according to each consumer’s individual need and offered in Modesto and Stockton.
      • The Ticket to Work Program is a voluntary program offered in Modesto and Stockton that allows Social Security beneficiaries to accept employment with the guarantee of maintaining medical services.
      • Aquatic Therapy and Wellness Program is to help patients/clients with disabilities, injuries and/or illnesses to decrease pain and increase activities of daily living.
      • “Options” Learning Center is an Adult Day Program serving VMRC consumers, is designed to improve the lives of the developmentally disabled.
      • The Outpatient Drug Treatment Program is a State Medi-Cal certified program. In addition to treatment services, SFNC has a Parole/Probation Re-Entry Program and a DUI Program. Two locations are available.
      • Service First Transportation Services is comprised of a fleet of three modified vans, all with wheelchair lifts, to accommodate wheelchair-bound passengers.
      • SFNC’s Winslow Village Apartments, a 40-unit complex, is an affordable housing tax credit project. It is a designated complex for disabled adults, living independently, with support services.
      • SFNC provides support services at Mayfair Apartments, a 43-unit complex, and Madison Arches Apartments, a 23-unit complex.
      • SFNC participates in the Neighborhood Stabilization Program, a HUD project. Non-profit agencies purchase foreclosures, rehabilitate and re-sell the homes to income-eligible families.

      Social Security Administration

      Eligibility:

      None

      Fees: None

      Social Security Administration assists with:

      • Taking claims for retirement benefit payments
      • Survivors benefits
      • Disability benefits
      • Supplemental Security Income (SSI)
      • Medicare health insurance benefits

      In addition to administering these payments, it also administers supplemental payments provided by the State of California.

      Online services: A number of services are available online by visiting www.ssa.gov/onlineservices

      Other local office sites:

      • 1110 West Kettleman Lane, Suite 3, Lodi (888) 257-2641
      • 510 Commerce Street, Manteca (866) 320-2587

      State of California (Franchise Tax Board-Sacramento Office)

      Eligibility:

      Must be employed and have state taxes withheld from income.

      Fees: Vary

      Franchise Tax Board is the agency responsible for collecting state personal income tax as well as bank and corporation taxes for the State of California. Both English and Spanish languages are spoken. Additional information is available on the website. Fees vary depending on individual gross income.

      State of California (Workers Compensation Appeals Board)

      Eligibility:

      Those age 16 years or older injured while working at a place of employment.

      Fees: None

      Workers Compensation Appeals Board provides medical care with rehabilitation and no deductible. While recovering, workers may be paid disability payments which are tax-free. This no-fault insurance is paid by employers and supervised by the State of California.

      State of California Employment Development Department (EDD) (State Disability Insurance (SDI))

      Eligibility:

      Please see below.

      Fees: None

      State Disability Insurance (SDI) is a partial wage-replacement insurance plan for California workers. The SDI program is state-mandated and funded through employee payroll deductions. SDI provides affordable, short-term benefits to eligible workers. Workers covered by SDI are covered by two benefits: Disability Insurance (DI) and Paid Family Leave (PFL).

      The eligibility requirements are:

      • PFL was established for workers who suffer a loss of wages when they need to take time off from work to care for a seriously ill child, spouse, parent or registered domestic partner, or to bond with a new child
      • Workers who suffer a loss of wages when they are unable to work due to a nonwork-related illness or injury
      • Pregnancy or childbirth
      • May be eligible for DI benefits

      Individuals must meet the following requirements:

      • Be unable to do your regular or customary work for at least eight consecutive days
      • Be employed or actively looking for work at the time you become disabled
      • Have lost wages because of your disability or, if unemployed, have been actively looking for work
      • Have earned at least $300 from which State Disability Insurance (SDI) deductions were withheld during a previous period
      • Be under the care and treatment of a licensed doctor or accredited religious practitioner during the first eight days of your disability. The beginning date of a claim can be adjusted to meet this requirement. Must remain under care and treatment to continue receiving benefits.
      • Complete and mail a claim form within 49 days of the date you became disabled or you may lose benefits.
      • Doctor must complete the medical certification of your disability. A licensed midwife, nurse-midwife, or nurse practitioner may complete the medical certification for disabilities related to normal pregnancy or childbirth.

      If you are under the care of a religious practitioner, request a “Practitioner’s Certificate,” DE 2502, from the SDI office. Certification by a religious practitioner is acceptable only if the practitioner has been accredited by Employment Development Department.


      Stockton Arts Commission

      Eligibility:

      Please see below.

      Fees: None

      Stockton Arts Commission serves as the arts advocacy commission for the City. The Commission is a catalyst to support and strengthen community awareness, opportunities, and involvement in arts and culture.

      Since 2003, the Stockton Arts Commission has awarded nearly $1,000,000 to support, stimulate, and strengthen the arts in Stockton. These grants help non-profit arts organizations, artists (including student artists), and art educators serve a diverse community.

      Today, the Commission operates within the Citys Community Services Department with an arts director and a 15-member volunteer commission appointed by the Mayor and City Council.

      Applicants must meet eligibility criteria. Please visit the website for more information.

      Stockton Impact Corps

      Eligibility:

      None

      Fees: None

      Stockton Impact Corps offers a myriad of services to help with business start-up. This includes:

      • Financial literacy
      • Business planning and guidance
      • Entrepreneurship education
      • Business loan readiness
      • Licensing support
      • And more

      Stockton Scottish Rite Freemasonry

      Eligibility:

      Must have and maintain a 3.0 G.P.A.

      Fees: None

      Stockton Scottish Rite of Freemasonry provides community services in the form of college scholarships and interest-free college loans. Scottish Rite also sponsors a clinic for childhood language disorders where no fees are charged, although voluntary donations from parents and the public are accepted.

      Scottish Rite Medical warehouse is open and running. The Almoner can be reached at (209) 603-1049.

      United Way of San Joaquin County

      Eligibility:

      United Way has been improving lives since 1926 and it is estimated that they have put over $100 million back into the community. The annual campaign raises between $1 and $2 million. The majority of these funds come from the workplace campaigns that local businesses conduct to allow their employees the opportunity to give back. They work with hundreds of employers throughout San Joaquin County along with volunteers and selected non-profit agencies to tackle the tough issues within our community.


      Fees: Vary

      United Way has three primary focus areas; education – helping children and youth achieve their potential; health – improving people’s health; and income – helping families and individuals become financially stable and independent. They believe that these are the building blocks for a good life and for people to be happy, healthy, successful members of society.

      They address the educational, health and income needs of our community through analyzing those needs, investing in local non-profit agencies, building awareness of important issues, creating partnerships, and developing prevention-based programs aimed at stemming problems before they take root. The funded agencies of United Way of San Joaquin County provide these much needed services to make San Joaquin County a better place to live and work.

      University of the Pacific (Community Involvement Program (CIP))

      Eligibility:

      Application required. Please see website for details.

      Fees: None

      Community Involvement Program (CIP) is a scholarship and retention program for first-generation college students from the Stockton community who have demonstrated the potential for sustainable leadership, community awareness, and involvement.

      CIP was established in 1969 to provide educational opportunities to the local community and diversify the University of the Pacific campus. More than 1,000 students have graduated from the program.

      The program provides access to college for low-income students along with a wide range of support for CIP Scholars as they pursue higher education. Some of the benefits of CIP include the following:

      • Substantial financial support
      • Learning community experience
      • Co-curricular experience emphasizing leadership development and community service
      • Access to comprehensive retention services (tutoring, peer mentoring, academic enrichment, and more)
      • Career networking with potential employers and CIP alumni

      For more information regarding program qualifications and its application process, please visit the website.

      Visionary Home Builders of California, Inc. (VHB) (Homebuyer Education? & Counseling, Rental Counseling, Financial Capability/Education and Mortgage Delinquency & Default Resolution Counseling)

      Eligibility:

      None

      Fees: Homebuyer Education Class: fee for class and credit report.

      Variety of classes and one-on-one counseling courses are available in English and Spanish. As you work with a housing coach, you will gain confidence in pursuing your dreams of homeownership. The education you receive will assist you in making wise financial decisions.

      Homebuyer Education and Counseling:

      • Buying a Home
      • Homebuyer Education
      • Rental Counseling/Assistance.

      Rental Counseling:

      • The transition from homeownership to becoming a renter can be difficult. They are here to assist you in understanding the required deposits, credit report and alternative to credit report requirements, and a landlord’s expectation for renting.
      • Your housing coach will work side-by- side with you as you review your credit report, tackle credit issues, and look for options in the rental market.
      • You will be provided with an action plan which includes a spending plan, savings plan, and paying down your debt.

      Financial Capabilities/Education:

      • Getting control of your household spending is possible while creating healthy financial habits.
      • Create a spending plan/budget
      • Build and maintain credit
      • Pay down debts
      • Create savings goals and better money management decisions.

      Washoe Tribe of Nevada and California (Native TANF)

      Eligibility:

      Residents of San Joaquin County who meet income guidelines and have a minor child that is a descendant of a federally recognized tribe or from the California Judgment Roll.

      Fees: None

      Native TANF Program provides cash assistance, emergency services, child care, transportation assistance and other supportive services. There is an emphasis on providing employment, education and wellness services so that all participants can increase the likelihood of self sufficiency.

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