ETBCA provides information and referral service to the community residents. Through partnerships with other community-based organizations, City of Tampa and Hillsborough County, we can assist with the following services:

  • Bankruptcy Counseling: The pre-filing counseling session will enable consumers to fully understand the potential advantages, disadvantages of, and alternatives to, declaring bankruptcy before taking action.

  • Financial Assistance: Rent or mortgage assistance to prevent eviction or foreclosure, security deposit assistance to secure permanent housing, utility payments to prevent disconnection, prescription assistance, and other special needs. Assistance is determined on a case-by-case basis and is generally available only once a year.

  • Health/Child Care Services: Provide referrals for other health care services—medical, dental, eye glasses, hearing aids, mental health, substance abuse, home care, pregnancy, child care and family planning.

  • General Information and Referral: Linkage to other services and programs.

Credit Counseling

East Tampa Business and Civic Association (ETBCA) provide financial literacy to the local community by offering free budget and debt counseling to those who need help with budgeting, money management, and credit issues in preparation of purchasing a home and financial security.

Among the services listed, ETBCA can also assist you with:

  • credit counseling

  • assessment of your current financial situation

  • development of a budget goal

  • foreclosure prevention

  • loan modifications


Home Owners Rehab

​First Time Home Buyers Program

Florida Housing’s First Time Homebuyer Program (FTHB) offers 30-year fixed interest rate mortgage loans to first time homebuyers through its network of participating lenders and lending institutions. However, if you are not a first time homebuyer, you may still be eligible for this program if you are purchasing a home in a federally designated targeted area, have not owned a home in the prior 3 years, or are a qualified Veteran. This program uses income and purchase price limits to determine eligibility. Additionally, a potential homebuyer must complete an 8-16 hour face to face homebuyer education class, be able to qualify for a mortgage, and have a minimum 620 FICO score. Borrowers are required to contribute a minimum of $500 of their own funds into the transaction (no gifts).  (cont..)

Copyright 2013 East Tampa Business and Civic Association, Inc.

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