affordable
housing
Open to door to ownership.
A coaching ladder for families closer to ownership than they realize. Community donations support free education and sponsored coaching.
the path begins at this table.
WHAT WE DO
How a buyer becomes ready
The barrier isn’t one big obstacle, it’s several small ones.
Step 01
starts free
A free public seminar at a library, church, or community center. Homebuying basics, credit, DPA programs.
Step 02
joins a cohort
12–16 weeks with 8–15 peers. Weekly accountability and a personal homebuying roadmap.
Step 03
one-on-one
Direct coaching for the hard parts: credit repair, complex debt, employment seasoning.
Step 04
meets a partner
Warm intros to a partner network. Trusted lenders, realtors, and people to make it happen.
Outcome
closes
Keys delivered. Loan closed. A first-time mortgage, in hand.
4–6
cohorts run per year
12–36 mo
PROGRAM timeline
4
levels of engagement
The model
Four levels. One ladder.
Participants enter where they're ready. Engagement matches readiness —
no one level is required.
01
free education
OPEN SEMINARS
Public seminars and online resources on financial readiness, credit, and DPA. No fee, no commitment.
Format
Drop-in seminars · online
Duration
2-hour sessions
Capacity
Unlimited
Participant fee
Free
Your gift here: keeps Level 1 free forever.
01
cohorts
GROUP COACHING
Structured curriculum, weekly check-ins, and peer accountability.
Format
Group, weekly or bi-weekly
Duration
12 weeks
Capacity
8-15 per cohort
Participant fee
$350
Your gift here: provide a free spot for someone who can’t pay
01
direct coaching
ONE-ON-ONE
Individualized work on credit repair, complex debt, and down-payment budgeting
Format
1:1, monthly or bi-weekly
Duration
6-12 months
Capacity
20-30 active per coach
Participant fee
$50 per session
Your gift here: subsidize coaching hours for participants recovering from crisis
01
buyer’s club
PARTNER NETWORK
Access to a network that can help making buying a house possible and affordable
Format
Online marketplace
Duration
Annual membership
Capacity
Unlimited
Participant fee
$1,000
Your gift here: sponsor entry for graduates of the program
Who it serves
Who the ladder is built for.
Working adults and families at 60–120% of Area Median Income.
example
Meet
Tasha
, 34.
Tasha is a single mom of two with a steady job in healthcare administration. She makes $52K a year (~80% AMI for Madison County) and when she first walked into one of our free seminars, her credit score was 615, her savings were modest, and her debt-to-income ratio sat just above what conventional lenders would accept. She joined the next cohort and stuck with it, moving into one-on-one coaching to rebuild her credit. About eighteen months later, her coach connected her with a local CDFI lender who could offer down-payment assistance and a better interest rate than she'd find on the open market. Not long after, Tasha closed on her first home.
Starting FICO
615 → 695
Down payment
$9,400
Time in program
18 months
LOAN PROGRAM
USDA Rural
Where your gift goes
Recurring gifts sponsor the path, not the house.
Participants do the work. Your monthly gift sponsors access to a seat in a classroom and access to network of partners.
keep the door open
Free seminars across Madison County. No fee, no applications..
sponsor a seat
Fees are commitment devices, not
revenue. Recurring gifts sponsor cohort seats and coaching hours.
open the network
The buyer’s club is the
program's final contribution. Your gift funds access for those who can’t afford it.
Why we built it
We built this because we've walked it.
Every founder on our board has real-estate experience — and every one of us
has had to start over. We know what stands between "qualified on paper" and a
closed mortgage, and how rarely people cross that gap alone.
Give monthly
A recurring gift sponsors a path.
$25, $50, $100, or your own number. Cancel anytime. Tax-deductible.
The network
The partner network we're curating.
Our community leaders committed to making housing affordable.
Banks
CRA-aligned community
lenders. Products that meet
first-time buyers where they
are.
Realtors
First-time-buyer specialists.
Patient pace. Not
transactional.
CDO
Developers committed to
affordable-tier inventory in
Madison County.
CDFI
Alternative credit access and
Down Payment Assistance —
navigated for the participant.
FAQ
Questions worth answering.
Where does my monthly gift actually go?
Why coaching instead of building more housing?
Are my gifts tax deductible?
affordable
housing
Open to door to ownership.
A coaching ladder for families closer to ownership than they realize. Community donations support free education and sponsored coaching.
the path begins at this table.
WHAT WE DO
How a buyer becomes ready
The barrier isn’t one big obstacle, it’s several small ones.
Step 01
starts free
A free public seminar at a library, church, or community center. Homebuying basics, credit, DPA programs.
Step 02
joins a cohort
12–16 weeks with 8–15 peers. Weekly accountability and a personal homebuying roadmap.
Step 03
one-on-one
Direct coaching for the hard parts: credit repair, complex debt, employment seasoning.
Step 04
meets a partner
Warm intros to a partner network. Trusted lenders, realtors, and people to make it happen.
Outcome
closes
Keys delivered. Loan closed. A first-time mortgage, in hand.
4–6
cohorts run per year
12–36 mo
PROGRAM timeline
4
levels of engagement
The model
Four levels. One ladder.
Participants enter where they're ready. Engagement matches readiness —
no one level is required.
01
free education
OPEN SEMINARS
Public seminars and online resources on financial readiness, credit, and the home buying process.
Format
Drop-in seminars · online
Duration
2-hour sessions
Capacity
Unlimited
Participant fee
Free
Your gift here: keeps Level 1 free forever.
02
cohorts
GROUP COACHING
Structured curriculum, weekly check-ins, and instructor-led. Peer-to-peer accountability groups.
Format
Group, weekly or bi-weekly
Duration
12 weeks
Capacity
8–15 per cohort
Participant fee
$350
Your gift here: provide a free spot for someone who can’t pay
03
direct coaching
ONE-ON-ONE
Individualized work on credit repair, complex debt, and down-payment budgeting
Format
1:1, monthly or bi-weekly
Duration
6–12 months
Capacity
20–30 active per coach
Participant fee
$50 per session
Your gift here: subsidize coaching hours for participants recovering from crisis
04
buyer’s club
PARTNER NETWORK
Access to a network that can help making buying a house possible and affordable
Format
Online marketplace
Duration
Annual membership
Capacity
Unlimited
Participant fee
$1,000
Your gift here: sponsored entry for graduates
Who it serves
Who the ladder is built for.
Working adults and families at 60–120% of Area Median Income.
example
Meet
Tasha
, 34.
Tasha is a single mom of two with a steady job in healthcare administration. She makes $52K a year (~80% AMI for Madison County) and when she first walked into one of our free seminars, her credit score was 615, her savings were modest, and her debt-to-income ratio sat just above what conventional lenders would accept. She joined the next cohort and stuck with it, moving into one-on-one coaching to rebuild her credit. About eighteen months later, her coach connected her with a local CDFI lender who could offer down-payment assistance and a better interest rate than she'd find on the open market. Not long after, Tasha closed on her first home.
Starting FICO
615 → 695
Down payment
$9,400
Time in program
18 months
LOAN PROGRAM
USDA Rural @ 3%
Where your gift goes
Recurring gifts sponsor the path, not the house.
Participants do the work. Your monthly gift sponsors access to a seat
in a classroom and access to network of partners.
keep the door open
Free seminars across Madison County. No fee, no applications..
sponsor a seat
Fees are commitment devices, not
revenue. Recurring gifts sponsor cohort seats and coaching hours.
open the network
The buyer’s club is the
program's final contribution. Your gift funds access for those who can’t afford it.
Why we built it
we built this because we've walked it.
Every founder on our board has real-estate experience — and every one of us
has had to start over. We know what stands between "qualified on paper" and a
closed mortgage, and how rarely people cross that gap alone.
Give monthly
A recurring gift sponsors a path.
$25, $50, $100, or your own number. Cancel anytime. Tax-deductible.
The network
The partner network we're curating.
Our community leaders committed to making housing affordable.
Banks
CRA-aligned community
lenders. Products that meet
first-time buyers where they
are.
Realtors
First-time-buyer specialists.
Patient pace. Not
transactional.
CDO
Developers committed to
affordable-tier inventory in
Madison County.
CDFI
Alternative credit access and
Down Payment Assistance —
navigated for the participant.
FAQ
Questions worth answering.
Where does my monthly gift actually go?
Why coaching instead of building more housing?
Are my gifts tax deductible?