Programs

Free programs for every stage of your financial journey

From your first budget to the keys to your first home, our programs connect into one pathway, and every one of them is free.

No participant feesLive online cohortsEvening & weekend options

The Financial Empowerment Pathway

One coordinated journey

You can start with any program. Many people begin with the Wealth Builder Academy, add one-on-one credit counseling, then move into the Homebuyer Academy when they’re ready.

Build financial stability

Gain control of your money and create a strong foundation.

Wealth Builder Academy

Strengthen credit & reduce barriers

Understand your credit, reduce debt and improve your financial profile.

Credit Counseling

Prepare for homeownership

Learn the process, build readiness and reach your goal of owning a home.

Homebuyer Academy

Build & protect wealth

Grow assets, protect what you have and create a legacy.

See the pathway
FREE

Wealth Builder Academy

Build a stronger financial future

Ten practical modules with real-world tools to take control of your money and build wealth that lasts.

10 modules8–12 weeksLive online cohorts
  • Create a budget that works
  • Build emergency savings
  • Strengthen credit and reduce harmful debt
  • Create your 12-Month Wealth Action Plan
Explore Wealth Builder Academy
FREE

Credit Counseling

Understand your credit. Build your plan.

Confidential one-on-one sessions to understand your credit reports and build a personal Credit Action Plan.

One-on-oneOnline · Phone · In person*Interest list open
  • Review your credit reports
  • Identify and correct legitimate errors
  • Manage debt and improve payment history
  • Create a personalized Credit Action Plan
Explore Credit Counseling
FREE

Future Homeowners of America

Money skills for the next generation

Our youth program teaching young people the same money and ownership strategies adults learn in our academies.

For youthParent/guardian enrollmentFun, hands-on
  • Earning, budgeting and saving
  • Banking basics and credit 101
  • Spotting scams and debt traps
  • How homeownership really works
Explore FHOA

Questions

Good to know

Do the programs really cost nothing?

Yes. There are no participant fees for any of our programs, and there’s nothing to buy.

Do I need good credit or a certain income to join?

No. There’s no minimum credit score, income, savings level or debt profile. Our programs are designed for people at every starting point.

Do I have to want to buy a home?

Not at all. The Wealth Builder Academy and Credit Counseling help with any financial goal: saving, paying down debt, investing basics, starting a business and more.

How are classes delivered?

Our academies run as live online cohorts with evening and weekend options. Credit counseling is available online, by phone and in person (in-person availability varies by location).

How do I enroll?

Join the interest list and we’ll contact you about orientation. You’ll then complete your intake securely in the Client Portal.

You don’t have to do it alone.

We have the tools. You have the goals. Let’s build your future, together.