Goal: Build a strong foundation of credit knowledge and shift mindset toward wealth and ownership. Topics: -Accessing and reading your credit report -How credit works (scores, reports, factors) -Dispelling myths about credit and homeownership -Setting your 6-month credit + homeownership goals

Goal: Create a step-by-step plan to strengthen credit. Topics: -Identifying negative items & knowing your consumer rights -Disputing inaccuracies the correct way -Strategies for fast, legal credit improvement -Managing debt: utilization, payments, and priorities -Building positive credit lines intentionally -Creating your personal Credit Blueprint

Goal: Establish the habits that support long-term financial stability. Topics: -Understanding where your money goes -Building a “Home Savings Fund” -Tools for tracking spending -Reducing expenses without reducing quality of life -Aligning finances with your homeownership timeline -The role of ownership in Black wealth building

Goal: Get mortgage-ready and understand how lenders evaluate you Topics: -What lenders really look for -DTI (Debt-to-Income Ratio) made simple -Required documents & organizing your “homebuyer packet” -Pre-approval vs. pre-qualification -Income readiness: salaried, self-employed, gig workers -Avoiding the top pre-approval mistakes

Goal: Understand every step of buying a home with confidence Topics: -Choosing the right real estate agent & lender -Understanding mortgages, rates, and loan types -Navigating home searches & competitive markets -Making strong offers -Inspections, appraisals & negotiations -What to expect at closing—signing day breakdown

Goal: Learn to leverage resources designed to support homeownership. Topics: -Federal, state, and local down-payment assistance -First-time buyer incentives -How to qualify and apply -Avoiding predatory lending practices -Using assistance without hurting long-term finances

Goal: Prepare participants to maintain and grow their wealth after closing. Topics: -Homeowners insurance & warranties -Budgeting for repairs and maintenance -Understanding your home as an appreciating asset -Building equity intentionally -Tax benefits of homeownership -Transitioning from buyer to wealth-builder

Goal: Finish with everything needed to confidently buy a home. Activities: -Review your credit transformation -Finalize your personal “Path to Keys” plan (Scheduled) -Checklist for pre-approval -Selecting your team (agent, lender, inspector) -Celebrating your financial milestone -Next steps toward generational wealth