Pathways to Prosperity
Pathways to Prosperity is our collection of services that we offer and plan to offer, that focuses on rebuilding lives through effective training and education.
Our services include:
Home Buyer Education training provides an eight-hour curriculum for potential new homeowners with valuable information that will allow them to make the best decisions for their first home purchase. Topics include Are You Ready to Buy A Home, Qualifying for a Mortgage, Types of Mortgages Available, Selecting a Realtor, Shopping for a Home, Down Payment and Closing Costs, and What to Expect at Closing.
VOCM is a HUD approved Housing Counseling Agency.
Voice of Calvary Ministries offers several services to help new and existing homeowners become successful homeowners over the long term.
Counselors are available to provide one-on-one support with budgeting, debt management and credit repair issues.
Post Purchase Education:
This workshop is designed to help new homeowners maintain successful homeownership. The curriculum covers three basic areas — Finances, Community Awareness and Home Repair and Maintenance.
During rental counseling clients receive information on the rights and responsibilities of tenants, lease and rental agreements, and evictions and grievances. Renters can also receive assistance with locating affordable rental properties including rent subsidy programs.
A big part of becoming mortgage ready is a client’s credit history. The individual counseling sessions are comprised of two parts, reviewing credit history and developing an action plan. A credit counselor will sit down with each client, go over the credit history, and discuss each item. Once that is complete, the counselor will assign tasks to complete that are designed to improve the credit score and help the client become mortgage ready.
Training our clients in financial literacy will increase the wealth building potential of low-to-moderate income families. Improving money management skills is the foundation to achieving long-term financial goals, such as buying a home, starting a business, paying for college or saving for retirement. It is important that our clients not only prepare for homeownership, but learn how their money can work for them to improve their quality of life. It doesn’t matter how much money you make, but how well you manage what you have that determines your financial stability.
For more information, contact VOCM by phone at (601) 969-3088 or by email to firstname.lastname@example.org.