Preparing Families for Housing Stability and Homeownership
Education, compassionate support, and responsible pathways toward affordable housing and a more stable future.
Empowering Families. Strengthening Communities.
Foundation Program
Eight-Week Housing and Homeownership Readiness Program
An online and onsite program covering budgeting, credit improvement, financial literacy, housing readiness, and responsible preparation for homeownership. Registration is $225, with payment arrangements available.
Credit Improvement Education
Understand credit reports, credit scores, debt management, dispute basics, and practical steps for building healthier credit over time.
Banking, Savings, and Financial Stewardship
Build skills in banking, saving, emergency planning, responsible financial decisions, and faith-based financial stewardship.
Tenant-to-Homeowner Transition
Prepare for homeownership by learning about housing costs, readiness requirements, planning, and responsible pathways from renting to owning.
Mentorship, Family Support, and Community Resources
Receive compassionate guidance, referrals, mentorship, and connections to resources that support housing and family stability.
LLC Rent-to-Own and Lease-Purchase Opportunities
Women of Compassion LLC provides information about potential rent-to-own and lease-purchase opportunities for qualified individuals and families with reliable income who may have experienced credit challenges. Property availability, eligibility, and approval requirements apply.
Eight Week Housing and Homeownership Readiness Program
Week 1: Financial Assessment and Goal Setting
Participants will evaluate their current financial and housing situation, identify priorities, and establish realistic personal financial and housing goals. Classwork includes the Personal Financial and Housing Goals Worksheet. Class access information coming soon.
Week 2: Budgeting and Money Management
Participants will learn to create a realistic monthly budget, organize bills, monitor spending, prioritize expenses, and develop short-term and long term financial action steps. Classwork includes a Monthly Budget and Bill Calendar and a 30 Day, 90 Day, and 12 Month Action Plan. Class access information coming soon.
Week 3: Understanding Credit Reports and Credit Scores
Participants will learn how credit reports are organized, what affects credit scores, how to identify possible errors, and how credit history may affect housing opportunities. Classwork includes the Credit Report Review Checklist. Class access information coming soon.
Week 4: Debt Management and Credit Improvement
Participants will identify debts, prioritize repayment responsibilities, understand responsible credit improvement strategies, and create a realistic plan for addressing financial challenges. Classwork includes the Debt and Credit Improvement Plan. Class access information coming soon.
Week 5: Savings and Wealth Building
Participants will learn how to establish savings goals, prepare for emergencies, develop consistent saving habits, and begin building financial stability over time. Classwork includes the Savings and Emergency Fund Plan. Class access information coming soon.
Week 6: Homeownership Readiness
Participants will examine the responsibilities and costs associated with homeownership and evaluate their readiness in areas such as income, budgeting, credit, savings, and housing stability. Classwork includes the Homeownership Readiness Checklist. Class access information coming soon.
Week 7: Mortgage Education and Loan Preparation
Participants will receive general education about mortgage terminology, loan preparation, lender documentation, affordability, interest, closing costs, and responsible borrowing. Classwork includes the Loan Preparation Checklist. Class access information coming soon.
Week 8: Action Planning and Program Completion
Participants will review their progress, complete a final housing readiness action plan, identify their next responsible steps, and complete the program evaluation and final knowledge check. Classwork includes the Final Action Plan and Program Completion Checklist. Class access information coming soon.
Program Disclosure
This program provides general financial and housing education. Participation does not guarantee housing placement, credit improvement, mortgage financing, loan approval, rent to own eligibility, or acceptance into any housing program. Lenders, landlords, housing providers, and other professionals independently determine eligibility and approval. Participants may choose any lender or housing professional they prefer.
Mortgage Lending Referral Resources
Christine Santos
Loan Officer | NMLS 185406
American Pacific Mortgage Corporation through Direct Lending Solutions
Christine Santos is a mortgage lending resource who may assist qualified program participants with information about mortgages and first time homebuyer programs.
Phone: 910 264 8232
Email: Christine.santos@dlsmortgage.com
American Pacific Mortgage Corporation independently determines eligibility, rates, fees, terms, assistance, and approval decisions. Participants may use this lender or any lender of their choice. A referral does not guarantee financing, assistance, or loan approval.
Mortgage Lending Referral Resource
Melody Yarborough
Vice President | Branch Manager
The Citizens Bank | Laurinburg Branch
Melody Yarborough is a mortgage lending referral resource who may assist program participants with general banking information, financial readiness, and possible mortgage lending options.
Office: 910 610 4343
Email: myarborough@tcbsc.bank
Address: 909 South Main Street, Laurinburg, NC 28352
NMLS 671197
The Citizens Bank independently determines eligibility, rates, fees, terms, assistance, and approval decisions. Participants may contact this resource or use any lender of their choice. A referral does not guarantee financing, assistance, or loan approval.
Scriptures That Guide Our Mission
Habakkuk 2:2 KJV
“And the LORD answered me, and said, Write the vision, and make it plain upon tables, that he may run that readeth it.”
Proverbs 3:5 and 6 KJV
“Trust in the LORD with all thine heart; and lean not unto thine own understanding. In all thy ways acknowledge him, and he shall direct thy paths.”
Make a Difference
Support Women of Compassion Community Foundation
Your gift supports financial education, housing readiness, credit guidance, mentorship, and family stability. Donations to our 501(c)(3) Foundation are tax deductible as permitted by law.