Services
Who We Serve
The target audience for Kulea For Community is middle to low-income homebuyers, homeowners, renters and youths. We will partner with local and regional mortgage lenders, HUD, Goodwill, Department of Labor, county government agencies and like organizations for client referrals. Participants in our programs learn the tools to become financially stable through homeownership; knowing their rights as renters and homeowners; youth financial literacy programs and other resources to create generational wealth.
Post-Purchase Education & Counseling
- Budgeting for Homeowner Expenses
- Developing a Savings Plan
- Using Credit Wisely
- Maintaining, Repairing, and Improving your home
- Record Keeping
- Refinancing
- How to prevent Foreclosure
Pre-Purchase Counseling
- Reviewing current financial situation
- Identifying qualifying mortgage programs
- Identifying housing and property needs
- Creating a budget to meet your financial goals and qualify for loans
- Assembling additional resources for applying for loans and general home ownership
- We ensure that you are well educated on the process and stay with you until you’ve closed and moved into your new home.
- Compiling documents for submission to the lender.
Financial Literacy & Credit Coaching
Financial Capability Counseling/Coaching helps clients stabilize their finances, rebuild credit, and establish savings
Through Financial capability counseling/coaching, offers regular 1:1 sessions with clients to help develop his/her financial goals through financial capability coaching. This session helps the client through a set process driven by the counselor to demonstrate the ability to cover monthly expenses with income, track spending, plan and save for the future, select and manage financial products and services, rebuild credit and gain and exercise financial knowledge.
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Family & Youth Financial Workshops
This classes focus on age-appropriate financial literacy activities, tasks and tips for families and youths.
- Mother/Daughter Financial Literacy
- Father/Son Financial Literacy
- Family Financial Literacy
- Budget B.A.E. (Before Anything Else) & Budget Boss
Real Estate Services
Kulea For Community also offers Real Estate Services to clients who have successfully completed our Education and Counseling Service and want to enter the Home Buying process. Clients have the option to use our in-house Real Estate Brokerage, Willis Mitchell & Associates Realty LLC.
*Please note that this is an available service offered to clients but is not a pre-requisite or requirement for completing our Home Buyer Education or Counseling with our agency. Clients may use any real estate brokerage of their choosing.
