Credit Counseling for Homebuyers in Daytona Beach & Surrounding Area
If you're planning to buy a home in Volusia or Flagler County but your credit score is holding you back, you're not alone—and you're not stuck. At Mid-Florida Housing Partnership, we offer HUD-certified credit counseling to help you take real steps toward financial stability, whether you’re preparing for homeownership or working toward better control of your finances.
Our counseling sessions are offered in person at our Daytona Beach office and tailored to your specific goals. Whether you live in South Daytona, Ormond Beach, Palm Coast, or nearby, we’re here to help you build a solid financial foundation for the future.
Not Sure Where to Start? That’s What We're Here For
Our Credit Clinic provides a personalized plan based on your current financial picture. You'll meet one-on-one with a certified counselor who will help you:
- Review your credit reports from all three major bureaus
- Understand the factors affecting your score
- Identify specific steps to address credit challenges
- Create a plan to improve your financial readiness for homeownership
This service is a required first step for anyone applying through a SHIP (State Housing Initiatives Partnership) homebuyer assistance program administered by MFHP.
What You’ll Need Before Your Appointment
To make the most of your counseling session, you’ll need to bring recent credit reports from:
- Experian
- Equifax
- TransUnion
You can request your
free annual credit reports at:
www.annualcreditreport.com
Be sure to download or print your reports from all three bureaus. You can also access printable forms if you prefer to request them by mail.
If you need help accessing your reports, give us a call—we’re happy to walk you through it.
Why Work with Mid-Florida Housing Partnership?
We’re a HUD-approved housing counseling agency
As a HUD-certified agency, Mid-Florida Housing Partnership meets strict national standards for training, ethics, and client support. That means when you meet with our counselors, you're getting trusted guidance backed by federal standards—and tailored to your real-life goals.
We’ve supported local families for over 30 years
Since 1989, we’ve helped individuals and families across Daytona Beach, Palm Coast, DeLand, and surrounding areas take control of their housing journey. Whether it’s buying a first home, improving credit, or finding stability after a setback, we’ve been a steady resource through changing times.
Our staff understands the financial pressures facing people in Volusia & Flagler Counties
We live and work in the same communities we serve. We know what it’s like to juggle rent, food costs, rising insurance, and everything else that puts pressure on your budget. That local perspective helps us offer practical solutions—not generic advice.
We meet you where you are—without judgment
You don’t need perfect credit or a perfect story to work with us. Whether you're starting over, rebuilding after hardship, or just trying to understand your finances, we’re here to listen, guide, and support—not to lecture or shame.
Is This Only for Homebuyers?
No. While many clients come to us as part of their journey to buy a home, you do not need to be purchasing a house to use this service. We also work with renters, families rebuilding after financial hardship, and individuals preparing to move forward after a job loss, divorce, or medical event.
Ready to Take Control of Your Credit?
Improving your credit can open doors—not just to homeownership, but to a more stable future. We’re here to help you take that first step, no matter where you’re starting from.
→ Call today to schedule your session
→ Learn more about Homebuyer Assistance if you're preparing to buy
→ Visit our FAQs for more information
