Pathways to Prosperity

Pathways to Prosperity is our comprehensive program that focuses on rebuilding lives. Our services include:

Homebuyer Education

Home Buyer Education: 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.

2018 Homebuyer Education Calendar

Individual Counseling:

First-time homebuyers may need individual assistance and guidance in order to become successful in their home purchasing goals. Housing Counselors are available to provide one-on-one assistance with budgeting, debt management and credit counseling. The road to homeownership is often long and tedious; however, the work does not stop once the goal of homeownership is obtained. Voice of Calvary Ministries offers several services to help new and existing homeowners become successful homeowners over the long term.

Post Purchase Education:

This program is designed to be an ongoing help to homeowners. We use the Neighbor Works curriculum “Keeping the AmericanDream” and the Mississippi Home Corporation’s curriculum “HomeWise.” The curriculum covers three basic areas — Finances, Community Awareness and Home Repair and Maintenance. Mortgage Delinquency Counseling: Unfortunately, circumstances sometimes cause homeowners to fall behind on their mortgage. In an effort to reduce the foreclosure rate, we offer assistance with mortgage delinquency by helping the homeowner determine the cause of the default, work out repayment plans, and discuss alternatives to foreclosure.

Rental Counseling:

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.

Credit Counseling:

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. The counselor will closely monitor progress and provide status updates.

Financial Literacy:

We believe in training our clients in financial fitness that 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.

VOCM is a HUD approved Homebuyer Counseling Agency.

For more information, contact VOCM by phone at (601) 969-3088 or by email to

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