Financial Pathways of the Piedmont is the community’s financial health first responder, and our entire mission and history focuses on helping residents improve their financial well-being by providing professional, personal, and comprehensive financial and housing counseling, coaching, and education to all members of the community. We are a HUD approved agency. FPP is for everyone, without judgement, because everyone deserves financial wellbeing. Our services are provided without bias of income or age. While we are based in Winston-Salem, NC we serve clients in over 25 surrounding counties in North Carolina. Personal money management is a life skill that many do not receive formal training and learn by trial and error. FPP provides ongoing case management and services for some of our community’s most vulnerable members and at-risk for financial exploitation including communities of color, those living in areas of concentrated poverty, aging and disabled individuals. Our services and financial education can contribute to breaking cycles and improving financial knowledge for future generations. A financially stable person feels in control of day-to-day finances, has the capacity to absorb a financial shock, is on track to meet individual financial goals, and has the financial freedom to make some choices that make life enjoyable. Financial stability is a good credit score, moderate debt, a healthy debt-to-income ratio, bills being paid on time, and emergency savings in place. FPP Services are broad but provide professional, personal, and comprehensive financial and housing counseling, coaching, and education to all members of the community. Services and programs include: Budgeting (education and counseling), Aging Populations Services (bill pay services, Senior Financial Care Program), Credit (education, counseling, credit report/score counseling, long-term follow-up), Debt (education, debt management plans, student loan debt counseling), financial education, fraud and identify theft, benefits checkup, small business counseling, financial management for disabled and vulnerable clients, and a comprehensive housing program (homebuyer education, homeownership counseling, home maintenance education, home loan modifications, reverse mortgages, foreclosure prevention, rental counseling, down payment assistance, (Community Partner Loan Pool).
