The club's counselors offer advice and guidance, not money, to their clients. Counselors help each member develop a financial plan for buying a house, then help them stick to it. Counselors also teach members how to clean up their credit, steer them toward programs that help low-income home buyers with down payments, and show them how to shop for Realtors and lenders. But, mostly, counselors provide clients with hope. The club sends out newsletters chronicling the home purchases of successful members and offering home-buying tips.
Counselors call members at least once a month to check on their progress.
At the HomeBuyers Club, they really, deep down, care about you. They want to see you achieve. Most people that work in that business don't show a whole lot of caring. Roadblocks on the road to homeownership are common, Harvey said. So when a car breaks down or somebody gets sick and there is no insurance, things fall apart.