9215 N. Florida Ave, Suite 104
Tampa, FL 33612
(813) 932-HOME (4663)
Fax: (813) 932-4660
Tampa, FL 33612
Fax: (813) 932-4660
A credit score may look like a simple three-digit number, but these digits can change your life, and not just financially. Your credit score is your reputation as a borrower; it shows your ability to borrow and pay back money. If you don’t have a credit score (or have a low number), you’ll have a harder time getting loans; and if you do, it will come with higher interest rates. “Good credit can open doors for you in America,” Alvarez emphasizes. “The better credit you have, the better loan you’ll get.”
Building your credit is a long-term endeavor. If you don’t have a credit history, it’s hard to get a loan, a credit card or even an apartment rental. But how are you supposed to show you’re responsible for your finances if no one will give you credit in the first place? “You have to be very patient,” explains Alvarez. “There’s no quick fix.”
Housing & Education Alliance is an agency providing HUD-certified homebuyer and homeownership classes. The team’s work is tremendously important as it allows students to obtain a certificate of completion and apply for government grants (up to $30,000) to help them purchase a home.
To sign up for a HomeTrack course press here
Housing & Education Alliance’s team educates homebuyers and helps them with credit issues. What’s more, the team also guides future homebuyers through the challenging home buying process, including choosing the right realtor, lender and finding the perfect home. This prevents first home buyers from being impacted by predatory practices.
Over the years, the agency has supported countless families and individuals through many different programs, including:
Education and one-on-one counseling
Through these sessions, Housing & Education Alliance educates families and individuals on financial literacy and guides them through the homebuying process. As part of this guidance, we help clients identify and qualify for down payment assistance.
To download your free guide on credit press here
Foreclosure prevention
The organization regularly partners with other agencies and charities to organize events allowing families experiencing financial stress to meet with their mortgage lenders and find solutions to their mortgage issues.
Financial literacy
This program is designed to educate community members about financial matters in a classroom setting. Some of the main topics include setting goals, budgeting, or understanding credit rules. The idea is to teach them how to be financially responsible and independent through engaging and fun exercises.
To download your free guide on credit press here
Thanks to its bilingual support system, Housing & Education Alliance has been a significant help to the Hispanic community. Not only are staff members bilingual, but classes are also all delivered in Spanish. And to strengthen its impact, the agency works closely with UnidosUS, the largest Hispanic advocacy group.
The work of Housing & Education Alliance allows our community to grab a piece of the American dream. Indeed, it enables many individuals and families to access decent and safe homes for their kids to grow and thrive in and provide them with a brighter future.
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