STABILIZE
Rent and financial assistance to keep families in their homes and prevent
displacement.
EDUCATE
Financial Literacy, credit repair, budgeting banking, savings,investing to build a solid financial foundation.
ACCELERATE
Fast-track to NACA
approval + Bank of
America financing for
qualified participants.
TRANSITION
Empowering families to
become homeowners
and build generational
wealth.
Homeowners Holding Keys Curriculum
01
Financial Foundations
Understanding Personal Finance Basics
Gain a strong foundation in personal finance principles. Budgeting Expenses & Creating a Monthly Spending Plan
Learn how to allocate resources effectively to meet financial goals.
Tracking Income & Expenses
(Including for Tax Purposes)
Develop skills to monitor financial activities and maintain organized records.w customers or clients can benefit from it.
02
Savings & Wealth Building
Building Emergency Funds
Strategies for establishing a financial safety net.
Using Tools to Automate & Track Savings
Explore digital tools and apps that enhance saving efforts.
Exploring High-Yield Savings Accounts and Safe Investment Vehicles
Understand options for growing wealth safely and efficiently.
(Including for Tax Purposes)
03
Credit Education & Repair
Understanding Credit Scores & Reports
Learn the components of credit scores and how to access reports.
Performing a Credit Analysis
Analyze credit reports and identify areas for improvement.
Removing Negative Payments & Resolving Disputes with Bureaus
Techniques for correcting inaccuracies on credit reports.
Strategies for Paying Off Debt and Improving Creditworthiness
Develop plans to reduce debt and enhance credit scores.
04
Debt Management &
Lending Readiness
Reduce debt and enhance credit scores.
Debt Management & Lending Readiness
Understanding Debt-to-Income Ratio (DTI)
Calculate and interpret DTI for better lending prospects.
Creating a Debt Repayment Strategy
Formulate effective methods for managing and repaying debt.
05
Home Repairs
& Maintenance
Formulate effective methods for managing and repaying debt.
Preparing Documentation for Mortgage Qualification Gather and organize necessary paperwork for mortgage applications.
Homeownership Preparation Aligning Savings and Credit for Mortgage Readiness
06
Homeownership Preparation
Integrate financial strategies to qualify for mortgages.Leveraging First-Time Homebuyer Programs (e.g., NACA)Utilize available programs to ease the homebuying process.Long-Term Wealth Planning Through Real Estate