Hi, we’re the Allen Family!
[On-screen text] Making the American Dream of Homeownership a Reality
Why buy a house? How did Consolidated Credit assist you?
Mr. Allen: I mean, besides the growing family, the biggest impact was, where we were renting, it kept increasing. And it was getting to the point where it was like, am I paying for a mortgage? And if I’m paying for a mortgage, then why not just get a house?
Mrs. Allen: I called you and set up an appointment for the class
Mr. Allen: She’s on top of everything and, really was the one that brought this class to my attention and really was kind of go-getter about it. I mean, it was either get on or get lost. So, we got on board.
[On-screen text] What did you learn from the homebuyers workshop?
Mr. Allen: You have to save. Like that’s the biggest part, right? You have to be able to save and so we sat down and we were writing down, like okay, this is what I get paid and this is what I pay out. And it was, like… it was kind of a one, two, three step kind of process. It made it much easier than I think going it alone would have taken us – we’d probably still be looking for a house.
You kind of get that ah-ha moment, like yeah, this is what we should be doing.
[On-screen text] Were your expectations aligned with your personal reality?
Mr. Allen: You can say oh, we’ll just do this and this and this will be fine, but in reality it’s like, okay wait, this is what we really need to do and these are the steps we need to take. This is plan that we need to follow.
You’ve got to put on those blinders sometimes. There are trips that you want to take that you can’t take, things that you want to buy that you can’t buy. Thankfully, a little under a year went by and we had enough money for our down payment, we were qualified based on our credit. Thanks to going through, we knew all the steps based on the program. So, it was just like, hey, so we’re buying a house, huh?
[On-screen text] What advice would you give someone who was thinking of buying a home?
Mr. Allen: If you are buying a house, you and your other – your significant other – you’ve got to be, you have to be on the same page. Like, what you want to spend, what you’re looking for in a home. Not only does it make it, your process easier, it makes everything easier on the Realtor. It lets you sleep at night. I think, without the class, I don’t know if we’d have this house right now.
[On-screen text] For Homebuyer Education & Counseling Call 1-800-435-2261 or visit www.consolidatedcredit.org
Consolidated Credit offers free online financial education webinars each month, hosted by our certified credit counseling team. We also provide live monthly, HUD-approved first-time homebuyer workshops at our home offices in Southeast Florida.
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