Learn what it takes to be mortgage-ready. Mortgages are complicated, but the Houston Habitat team can help explain these loans that allow you to purchase property. This 1-hour class will help you to understand mortgages and how to prepare to buy a home. Discover how to qualify for a loan, the different types of mortgages, and the important role of this type of financing in your family’s future.
Credit counseling can help you manage your debt and improve your financial situation, preparing you to own a home in the future.
Working with one of our certified credit counselors will help you understand your credit score, check for credit report mistakes, learn the importance of the debt-to-income ratio and maintain good debt management.
You can request an appointment to begin credit counseling by emailing familyservices@houstonhabitat.org.
Houston Habitat knows that the best information comes from experts. This is why we partner with local experts to help Houstonians address the big issues that impact their family’s long-term success. Our staff will help by connecting you with the right person and organization that can teach you how to overcome financial difficulties.
Need help saving?
Covenant Community Capital provides financial education, coaching, savings matches and no-interest loans to equip working families to thrive and secure generational resilience by managing risk and building savings for life. Individual Development Accounts (IDA) provide incentives to save for emergencies and periodic purchases by enabling families to participate in prize drawings once savings benchmarks are reached and maintained, creating strong saving habits.
Ready to start saving? Contact Covenant Community Capital by email at IDA@CovenantCapital.org.
Do you need to build or re-establish credit?
Avenue offers a special secured credit card that will allow you to create a credit history safely. You may need up to $500 of personal funds to use as a security deposit to apply for a Secure Credit Card. By working with Avenue for a secured card, if you qualify, Avenue will match your saved funds, up to $250, so you can obtain a Secure Credit Card.
This program is intended for BIPOC households to build or re-establish credit.
Download this flyer or contact Avenue at classes@avenuecdc.org for more information.
Cassandra Robinson-Bacon
Homeowner Services Director crobinsonbacon@houstonhabitat.org
Sylvia Villalpando
Homeowner Services Associate Director svillalpando@houstonhabitat.org
Monica Tutt
Homeowner Services Specialist mtutt@houstonhabitat.org
To request an appointment or learn more, please contact us at
familyservices@houstonhabitat.org
713-671-9993 x287