Throughout AppCAA’s work, we emphasize improving low-income individuals in Southwest Virginia’s economic status. To accomplish this, AppCAA has established robust and integrated interventions to help families reduce debt, improve credit, and save for life events.
Learn more about our Financial Programs below.
AppCAA delivers group and individual workshops for adults to help them learn how to save money, reduce debt, improve their credit scores, avoid fraud and become financially independent. Each workshop lasts approximately one hour and can be attended in person or online. In addition to workshops, AppCAA offers one-on-one counseling for participants to help them develop budgets, understand types of financial services, and devise individual plans for improving their financial situations. This service is provided entirely FREE.
To learn more about this program, click “Apply Now”.
AppCAA’s Housing Counseling Program is designed to empower area residents by equipping them with the tools to improve their financial situation and maintain a stable living arrangement. Building on financial coaching, individuals work one-on-one with a HUD Certified Housing Counselor. Together, they will determine their best option — renting versus owning — and create a plan to work towards an individualized goal. This service is provided entirely FREE.
The program centers on:
AppCAA partners with Rural Development, by packaging 502 Direct Home Loans, and with Virginia Housing through an incentive program. This program is known as the Sponsoring Partnerships and Revitalizing Communities Program, or SPARC. The SPARC program lowers the interest rate on Virginia Housing’s first mortgage loans by one (1) percentage point from Virginia Housing’s first-time homebuyer rate.
AppCAA Tax Preparation Services provides FREE tax preparation to help people in Southwest Virginia and surrounding areas access valuable tax credits such as the Earned Income Tax Credit. Tax preparation is offered year round. AppCAA’s Tax Preparation Service is in partnership with the Virginia CASH Campaign operated through the Virginia Community Action Partnership (VACAP). During 2022, AppCAA was able to file tax returns that totaled just under $1,000,000 for the people of Southwest Virginia, with an estimated $139,000 saved in tax preparation fees. Taxes are prepared at our office located at 175 Military Lane, Gate City, Virginia, but can also be completed entirely electronically.
To get more information on the free VITA tax prep program, call (276) 885-0192 or start your online application for tax preparation with AppCAA by filling out the form below.
Learn more about our other programs: