TAKE CONTROL OF YOUR FINANCES
The Financial Empowerment Center (FEC) provides renters, aspiring homebuyers and existing homeowners with the skills, knowledge and information they need to obtain, stabilize and maintain affordable housing, whether it’s a rental or home purchase. Clients learn how to improve their financial health and net wealth by decreasing consumer debt and increasing their savings. In essence, we create default-resistant homeowners. Our motto is “Knowledge is Power. Get Some. Then Use it!” or “Saber es Poder. Aplícalo”.
Are you ready to talk?
Click the button below to connect with our FEC team. We will get back to you within three business days. Thank you, and know that you’re not alone! SFHDC is proud to support clients like you.
WORKSHOPS AND EVENTS
CREDIT MATTERS!
REGISTER HERE Is your credit score keeping you from achieving your goals? If you are seeking a job, a rental unit, a credit card, your credit will either help you or hurt you. This online workshop will teach you EVERYTHING you need to know about credit reporting, credit scoring, and […]
HUD Approved First Time Homebuyer 6-Hour Workshop & Certification Course – IN-PERSON – REGISTER BELOW TO ATTEND FOR FREE!
REGISTER HERE Your first home is one of the most important investments you will make. Learn everything you need to know about buying and owning your own home. Topics include: Pros & Cons of Homeownership Determining How Much You Can Afford Understanding Credit Obtaining A Mortgage Down Payment Assistance Programs […]
HUD Approved First Time Homebuyer 6-Hour Workshop & Certification Course – Online Only – REGISTER BELOW TO ATTEND FOR FREE!
REGISTER HERE Your first home is one of the most important investments you will make. Learn everything you need to know about buying and owning your own home. Topics include: Pros & Cons of Homeownership Determining How Much You Can Afford Understanding Credit Obtaining A Mortgage Down Payment Assistance Programs […]
Rental Readiness Night Clinic – Online
Struggling to navigate the San Francisco rental market? Join us for our Rental Readiness Night Clinic, held every 3rd Thursday, where we guide you through the complexities of securing affordable housing in the Bay Area! REGISTER HERE Finding affordable housing in the San Francisco Bay Area is no easy task. […]
HUD Approved First Time Homebuyer 6-Hour Workshop & Certification Course – Online Only – REGISTER BELOW TO ATTEND FOR FREE!
REGISTER HERE Your first home is one of the most important investments you will make. Learn everything you need to know about buying and owning your own home. Topics include: Pros & Cons of Homeownership Determining How Much You Can Afford Understanding Credit Obtaining A Mortgage Down Payment Assistance Programs […]
CREDIT MATTERS!
REGISTER HERE Is your credit score keeping you from achieving your goals? If you are seeking a job, a rental unit, a credit card, your credit will either help you or hurt you. This online workshop will teach you EVERYTHING you need to know about credit reporting, credit scoring, and […]
HUD Approved First Time Homebuyer 6-Hour Workshop & Certification Course – Online Only – REGISTER BELOW TO ATTEND FOR FREE!
REGISTER HERE Your first home is one of the most important investments you will make. Learn everything you need to know about buying and owning your own home. Topics include: Pros & Cons of Homeownership Determining How Much You Can Afford Understanding Credit Obtaining A Mortgage Down Payment Assistance Programs […]
Self-Paced Workshops
eHome America Online
America’s Premier Online Homebuyer Education
Work at your own pace and learn how to:
- Determine if homeownership is right for you
- Shop for a home
- Maintain your home
HOME OWNERSHIP
HOME OWNERSHIP
The first step in your path to homeownership is the HUD-Approved First-Time Homebuyers workshop
Your first home is one of the most important investments you will make. Learn everything you need to know about buying and owning your own home. Here’s what you’ll learn:
- Pro’s and Con’s of Home Ownership
- Basic Financial Planning & Money Management for Default Resistant Homeowners
- How to do an Affordability Assessment Before You Apply for a Loan
- The 5C’s of Lending: Credit, Capacity, Capital, Collateral & Conditions
- How to research Down Payment Assistance and First Time Homebuyer Programs
- Mortgages 101: Loan Disclosures, the Promissory Note and the Deed of Trust
- Shopping For a Home and Working with Real Estate Agents
- The Escrow/Closing Process
- Taxes & Insurance
- Maintaining Your Home: Maintenance & Repairs
- Keeping Your Home: When Money Gets Tight; Avoiding Scams
RENTAL ASSISTANCE
RENTAL REALITY, RENTAL READINESS
Navigating the Rental Market in and around San Francisco
Finding affordable housing in the San Francisco Bay Area is no easy task. And we know not everyone can make it to our workshops during regular working hours! That’s why we are offering the Rental Readiness Night Clinic, every Third Thursday of the month.
We can help you navigate the challenges of finding AND getting a rental in San Francisco. You’ll learn how to:
- Navigate the SF rental market
- Apply for SF BMR rental units
- Learn about the rights and responsibilities of tenants and landlords
- Become familiar with SF’s Fair Chance Ordinance protecting the formerly incarcerated
- Become Familiar with SF’s tenant protection laws and eviction process, and
- Learn how to create a winning & competitive renter profile
RENTAL APPLICATION ASSISTANCE
The rental assistance application process can be overwhelming at times. Let us help you navigate through this process. SFHDC provides 1:1 support with the affordable rental application.
MONEY MANAGEMENT
MONEY MATTERS! KEEP YOUR MIND ON YOUR MONEY…!
Improve your relationship with Your Money
If you’d like to improve your relationship with money, contact us to set up an appointment with one of our Financial Empowerment Counselors. Your Counselor will walk you through our 6-step process for creating a more loving, fulfilling relationship with your financial partner in life – Your Money!
You will learn how to follow the 6 steps to a better relationship with your money:
- Assess your personal & financial situation
- Set personal & financial goals
- Create a “living” budget
- Mind your money – tracking expenses & savings patterns
- Compare Truth vs Fiction; Reality time: ”The Numbers Don’t Lie”
- Review, revise, & re-sharpen
Let your counselor know you’d like to go over our 6-step financial wellness tips to help you identify how to love your money better, so it stays with you and helps you build a better tomorrow
CREDIT BUILDING AND REPAIR
CREDIT MATTERS
Don’t let your credit score keep you from achieving your goals
This online workshop will teach you EVERYTHING you need to know about credit reporting, credit scoring and how YOUR actions impact your credit history. This class is a must for anyone applying for credit, housing, or job positions that require credit and background checks. Your credit rating will either help or hurt you, don’t wait to find out the hard way! Learn the ins and outs of credit scoring and best practices for building excellent credit and restoring impaired credit.
BUSINESS CREDIT BASICS
In this workshop, you’ll learn how to Build, & Maintain Excellent BUSINESS Credit! Topics covered include:
- Business Credit Defined
- Benefits of Business Credit
- Business Credit vs Personal Credit
- Business Credit Scoring Model
- Steps to Building Business Credit
- Business “Bona Fides”
- Business Credit Reports
- Vendor Accounts
- Revolving Accounts
- More Ways to Build
- Business Credit & Funding Suite Program