A direct path from rental assistance to homeownership.
Total Access & Impact partners with housing authorities, HUD Family Self-Sufficiency programs, community non-profits, and donors to credit-qualify participating families for a home loan — in weeks, not years.
- +60 pts
- avg. score boost
- 3–5 days
- to first results
- $0
- cost to families*
*Families participate at no cost thanks to donor and community support.
Powered by Rental Kharma — helping 135,000+ families build credit
"For many of our participants, this is the first time they've understood how credit works and felt in control of their financial future."
— FSS Administrator
How it works
Why families become mortgage-ready in weeks, not years.
Most credit programs take years. Ours takes weeks — because we combine three things other programs don't put together.
Step 01
Report rent & utilities
We add positive payment history — often years of it — to each participating family's credit file through our parent company, Rental Kharma.
Step 02
Build credit & confidence
Families receive a custom Action Plan, one-on-one mentorship, and credit education so they understand and own their progress.
Step 03
Become mortgage-ready
Many participants qualify for homeownership opportunities in weeks instead of years — without ever leaving the support of their FSS program.
Program outcomes
The numbers behind the story.
- 135,000+
- families served through Rental Kharma
- +60 pts
- average credit score increase
- 3–5 days
- for results to appear on a credit file
- $0
- cost to participating families
Why partner with us
A measurable outcome for every family you refer.
Most credit programs only report new activity. We work with our parent company, Rental Kharma, to report a family's full rent and utility history — back to move-in day — and pair it with the mentorship your case managers can lean on.
Documented impact
Average +60 point credit score boost after one account is added, typically visible in 3–5 days.
Wraparound support
Each family gets a mentor and a custom Action Plan — a step-by-step guide your team can track alongside.
FSS-ready outcomes
Built to help HUD FSS programs move families from rental assistance to credit-qualified for a home loan.
A simple path
From referral to ready in a few weeks.
- 01
Referral
Your organization or HUD FSS program refers a family into the program.
- 02
Enrollment
A sponsor or partner covers the one-time enrollment — $100 or $150 per family.
- 03
Reporting
Full rent (and optional utility) history is added to the family's credit file.
- 04
Action Plan
Mentorship and credit education move the family toward mortgage-ready.
Free for families. Funded by you.
Total Access & Impact participants pay nothing. Sponsors and partners cover the one-time enrollment so families can put every dollar toward their next chapter.
- Full rent + utility history reported
- Mentorship and custom Action Plan
- Top-tier credit education curriculum
Your impact
What your donation does.
Every dollar goes directly to enrolling families — covering the one-time cost that keeps the program free for the people we serve.
$100
Sponsors one family
$500
Sponsors five families
$1,000
Sponsors ten families