Balance Financial Wellness

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Balance Financial Wellness Be empowered with your money. We make financial wellness accessible through supportive programs designed for real people facing real financial challenges.

Founded in 1969 as the Consumer Credit Counseling Service of San Francisco, today BALANCE is a mature and diverse nationally respected financial empowerment organization. We meet growing consumer demands through counseling and education partnerships with progressive organizations that allow us to meet families where they are. We work to bring together various stakeholders, including financial institutions, government agencies, employers, healthcare, technology, media, and fellow nonprofits, to create measurable, collective impact across the country. As the nation’s nonprofit financial coach for over 50 years, we are dedicated to increasing the financial health of all consumers. We have helped millions of families achieve financial wellness through debt reduction, credit score improvement, budgeting, and homeownership.

10/08/2026

Buying a house? Don’t just hire the first home inspector you see online! 🛑
Save this checklist for your home buying journey.

10/05/2026

Building home equity takes time ⏳

Equity is the part of your home you actually own, and it grows as you pay down your mortgage and as your home's value changes over time. Home values can go down as well as up, so think of homeownership as a long-term investment, not a quick payday. 🏡

Our first-ever Financial Wellness Fair was a huge success, and we couldn't have done it without the incredible support o...
10/05/2026

Our first-ever Financial Wellness Fair was a huge success, and we couldn't have done it without the incredible support of our sponsors and community partners.

A special thank you to our Gold-Level Sponsor, Wells Fargo, for helping make this event possible. 💛

We're also deeply grateful to Patelco, BMO, Noel Gallo, The Unity Council, and Kaiser Permanente for investing in our community's financial health and well-being.

Together, we're building a stronger, more financially empowered community. Here's to many more! 🙌

09/30/2026

Buying a home takes a whole team 🏡 Your agent helps you search and make offers, your lender handles financing, your title or closing pro coordinates the paperwork and transfer, and inspectors and appraisers each evaluate the property. Know who does what before you need them. 💡

Thank you, Oakland! 💙 We're grateful to everyone who attended our inaugural Financial Wellness Fair, and to our partners...
09/30/2026

Thank you, Oakland! 💙 We're grateful to everyone who attended our inaugural Financial Wellness Fair, and to our partners, volunteers, and community members who made it possible.

Together, we're creating space for learning, growth, and financial empowerment. We can't wait to see you at the next one!

09/28/2026

A home appraisal is an independent estimate of a home's market value 🏠

Lenders require one to make sure they're not lending more than the home is worth. The appraiser looks at the home's condition, size, features, and recent sales of similar homes nearby. 📊

09/25/2026

House shopping BEFORE getting prequalified? 🏠 Here’s why you might want to reconsider!

Getting prequalified gives you a realistic estimate of your budget so you can tour homes with confidence and put yourself in a better position as a buyer. 💡

If you're waiting to feel "done" with money, you might be waiting a long time. Here's why that's actually good news:🏁 Th...
09/24/2026

If you're waiting to feel "done" with money, you might be waiting a long time. Here's why that's actually good news:

🏁 There's no finish line where money suddenly stops needing your attention. First paycheck. First apartment. New job. Growing family.

🏠Retirement. Every milestone brings a new set of financial decisions. That's not you falling behind. That's just what the journey looks like.

🛑 And the road won't be straight. Medical bills, a layoff, a car repair at the worst possible time: detours happen to everyone. In fact, 37% of adults would need to borrow, sell something, or couldn't pay at all if they were hit with an unexpected $400 expense.*

🗺️ The goal was never to avoid every setback. It's learning how to adjust and keep going. A detour doesn't erase the progress you've already made.

So if you're going to compare, make it the comparison that means something. Not you vs. someone else's highlight reel, but you today vs. you six months ago.

New milestone, new decision, repeat. Once you stop waiting for the finish line, it's kind of freeing. 💙
*Source: Federal Reserve Board, 2024 Survey of Household Economics and Decisionmaking (SHED)

09/22/2026

Pre-qualifying for a mortgage isn't about one magic number. 🏡

Lenders look at your whole financial picture: your income and employment, credit history, existing debt, and assets. Think of it like a puzzle, where each piece affects how much you may be able to borrow. Strong credit with high monthly debt, or solid income with limited savings, doesn't necessarily mean homeownership is off the table. It may simply show you where to focus.

Ways to get ready:
✔️ Review your credit
✔️ Build a realistic budget
✔️ Look at your debt
✔️ Start saving

And learn what monthly payment you can comfortably afford, which isn't always the same as what you qualify for.
Follow Balance Financial Wellness for more home buying tips!

Just 3 days left to register in advance for the Financial Wellness Fair! 📆Join Balance Financial Wellness on September 2...
09/21/2026

Just 3 days left to register in advance for the Financial Wellness Fair! 📆

Join Balance Financial Wellness on September 24th in Oakland for a free community event featuring workshops, financial coaching, HUD counseling, and local resources - all in one place.

Walk-ins are welcome the day of, but registering now means your spot is secure and check-in is quick.
⏰ Don't wait - reserve your seat today, and share with someone who could use financial peace of mind.

Address

1655 Grant Street
Concord, CA
94520

Telephone

800.808.4327

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