What We Do

We provide comprehensive support to help individuals and families overcome barriers to securing permanent housing and achieving homeownership.

The Barriers We Address

Credit Challenges
Criminal Records
Employment Gaps
Housing Accessibility

Our Services

Credit Advocacy & Financial Education

Our credit counseling program supports individuals facing housing challenges by tackling credit issues head-on while educating participants about the credit system. We start with a thorough assessment of each individual's financial situation. Once qualified, we work side-by-side with participants to rebuild their credit health and take actionable steps to reach credit benchmarks needed to secure stable housing and banking opportunities.

Throughout the process, we ensure participants understand every aspect of the credit journey. They receive education on how credit works, how to read and manage their credit report, their consumer rights, and strategies for building and maintaining a strong credit profile into the future. For participants whose circumstances require bankruptcy, we connect them with experienced attorneys for reliable legal support.

Financial Literacy Education

Once credit counseling is complete, participants are encouraged to deepen their financial knowledge through our comprehensive course that includes:

Budgeting and debt management
Building savings and emergency funds
Tax basics, completing W-4 & G-4 forms, and optimizing returns
Understanding retirement and health savings accounts
Brokerage and investment fundamentals
Preparation for homeownership

Program Perks:

Upon graduating, participants unlock exclusive access to our network of partners: banks, lenders, affordable housing providers, employment agencies, and legal aid services. These partners offer special packages, designed specifically for our graduates' needs, making the next step toward financial independence and homeownership even more accessible.

Legal Support for Record Clearing

We help participants clear their criminal records by connecting them with attorneys who provide pro bono expungement and record sealing services (when applicable); which is essential for improving housing and employment eligibility.

Employment & Career Development

We collaborate with second-chance employers who provide on-the-job training and are open to hiring candidates with criminal records or employment gaps.

Housing Placement & Support

Our housing partners recognize the challenges faced by individuals transitioning out of homelessness. They offer affordable housing options with flexible tenant screening, eviction leniency, and rental concessions for those who successfully complete our credit and financial education programs.

Ongoing Support

Housing placement is just the beginning. Every graduate receives:

Up to two years of monthly financial counseling to support lasting progress towards financial goals and homeownership
Credit building through reporting rent payments and credit rehabilitation loan products from our banking partners to further strengthen credit profiles
Homebuyer education (60) days after moving into a rental.
Homeownership planning with trusted lenders and realistic timelines

Our Community Impact

By partnering with local governments, financial institutions, legal professionals, and housing providers, we create a comprehensive support network. This collaborative approach doesn't just help individuals achieve stability; it strengthens our entire community by making housing, financial literacy, and homeownership achievable for all.