Housing & Financial Counseling

Want to make your homeownership dreams come true? Looking to improve your personal finances and start saving? Four Directions’ housing and financial counseling services can help you save money, learn more about homeownership, and even help you file your taxes.

Homeownership Counseling

Looking to become a homeowner? Not sure where to start? We offer one-on-one homeownership counseling where you can meet privately with a homeownership counselor to review, outline, and reach your homeownership goals.

First-Time Homebuyer Education

Homebuyer education classes help you to make informed decisions about budgeting, borrowing, and choosing the right professionals during the home buying process.

As a Maine hoMEworks Homebuyer Education provider, we offer live 8-hour workshops throughout the year that provide you a solid foundation to become a successful homebuyer. Many loan products and down-payment assistance programs require first-time homebuyers to complete the Maine hoMEworks course prior to closing on their home.

We also offer a discounted self-guided homebuyer education course through eHome America, America’s Premier Online Homebuyer Education, to help you determine if homeownership is right for you, how to shop for a home, and how to maintain a home once you’ve bought it.

Financial Counseling

Having the ability to financially recover from unexpected events is part of good financial health. A great first step is saving. We offer financial resilience training to help you prepare for unexpected financial events and make sure you’re covered in case of an emergency. Our counseling services will cover financial awareness, saving, budgeting, and how to use innovative new tools to maximize your resources.

Interested in financial counseling with us? Our counseling services are available in a one-on-one format, in a group format, and virtually, or over the phone. We’ll go over your needs and concerns, and help you to create a plan that is tailored to your financial situation.

Free Tax Preparation Services

During tax season, Four Directions wants to make sure you receive all available tax credits. Our free tax preparation program, Wabanaki CA$H has multiple different options to file your return! For a free, completely online experience, please visit our GetYourRefund page to upload your documents. All you have to do is provide your tax documents and answer any necessary questions. A certified preparer will prepare your return and email your documents back to you for e-signature before filing. During the COVID-19 pandemic, we can answer your questions about stimulus checks, and assist you with obtaining yours. If you prefer speaking with a live person, please contact our Financial Capabilities office at (207) 866-2019 for more information about our upcoming tax clinics and available appointments.

FDDC also offers free tax preparation clinics throughout Wabanaki communities in Maine during tax season. These clinics are available by curbside drive-up and by appointment. Any person who deposits 10% or more of their tax refund into a separate savings account will be entered to win a FREE $100 Visa gift card! Tax clinics are held in each tribal community. Join the more than 420 Wabanaki households who we’ve helped get the Earned Income Tax Credit!

To find an upcoming tax clinic near you, please visit our Events page or call our main office at (207) 866-6545.

Group Counseling

Four Directions is also available to provide group financial counseling. Bring your friends, family, or organization members and learn more about how to save for financial emergencies and goals, establish financial resilience, and even how to budget!


Want to schedule a housing or financial counseling session? Register for a workshop? Reserve a free tax clinic appointment? Call our Financial Education office today!