ESOP is a HUD-approved provider of housing and financial counseling services.  Our counselors are trained to provide the following:

Foreclosure Prevention

If you’re struggling with unemployment, underemployment, low wages or excessive debt ESOP counselors can help you look at all the options available to save your home from foreclosure.

Homebuyer Education & Pre-Purchase Counseling

If you’re thinking about buying a home but not sure where to start, ESOP’s homebuyer education class is the place to be. Our counselors can help figure out if you can afford to buy, teach you the important basics of the home buying process, and provide you with the knowledge you’ll need to secure an affordable mortgage and buy the right house for your budget and housing needs.

Financial Literacy/Coaching

Are you tired of living paycheck to paycheck. Are you sick of renting, being in debt or taking out payday loans to get by? Do you want to be financially healthy? Find the path to financial freedom.  Whether you’ve had a foreclosure, want to buy a house, need get out of debt, or having a financial crisis, ESOP financial counselors can help you set financial goals and make a plan to achieve them.

Senior Financial Empowerment

If you’re 55 or older ESOP has specific services geared to help you make good financial decisions, avoid financial fraud and exploitation, remain in your home, and maintain financial stability as you age.

Senior Financial Education Workshops

The program raises awareness among older adults and their caregivers on how to prevent elder financial exploitation and encourages advance planning and informed financial decision-making.

Senior Property Tax Loan

Every year thousands of Cuyahoga County’s older homeowners fall behind on their property taxes. Without options, senior homeowners often resort to payday lenders, fall victim to a scam in an attempt to save their homes or have their taxes sold to third party companies that pile up fees and harass older homeowners. The ESOP Senior Property Tax Loan Program provides loans to homeowners age 55 and older to help them pay delinquent property taxes and avoid foreclosure.

Benefits Checkup

ESOP is a member of The Ohio Benefit Bank and can help connect you to programs and resources that can stabilize your household.

Income Tax Preparation and Filing

ESOP is a year round Volunteer Income Tax Assistance site.  Don't pay for help filing your taxes and don't get caught up in a tax advance scheme. Volunteers at ESOP will help you file your taxes for FREE so you keep ALL of your refund.

Click on menu items to the right for more details on each of our services.