Dedicated To Making Homeownership
Accessible For All Who Want It.
We believe every family deserves the opportunity to achieve financial independence and homeownership to build generational wealth.
Our mentors partner with families in government-subsidized housing, empowering them to achieve their dreams of homeownership. We guide them past systemic obstacles, show them how to navigate the credit system, and connect them to resources to become “Credit Ready” in weeks for just $100.
As a 501(c)(3) non-profit organization, we need your support to facilitate meaningful change in your community.
53% of Housing Waitlists are Closed Nationwide,
exposing many to Homelessness, Overcrowding, Eviction, and Other Hardships.
Ending the Affordable Housing Crisis in America!
Say Yes, to
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An unbelievable 50% of these families have NO CREDIT, making them vulnerable to predatory lenders who bleed their income through high interest, fees, and penalties. Predatory lenders exist in every community in America, targeting people in subsidized housing and trapping them in a cycle of debt.
Our approach is simple: we help families become 720 Credit Ready and teach them how to stay Credit Ready by recognizing and avoiding predatory lenders and other pitfalls. Homeownership is possible!
The average cost to build 1 single-family unit is $200,000.
The cost to Get a Family 720 Credit Ready is only $100.
► $200,000 can prepare 2000 families, and their future generations for life. ◄
Supporting A Family In Your Community!
Say Yes, to
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Credit isn't taught in school; most people learn finance through hard knocks. Total Access and Impact’s approach is simple: we start with RENT. All participants are renters with a history of paying on time. We leverage this powerful asset to boost their credit scores, which soar an average of 60-80 points.
We get families 720 Credit Ready in weeks.
Each participant is matched with a Credit Mentor/Accountability Partner who assists in goal setting, simple action steps, and budgeting.
Let’s save government housing for those most in need:
Non-Working Disabled Individuals, Seniors, and Extremely Low-Income Families.
Breaking Generational Cycles of Poverty
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Millions of people are on waitlists for housing, and tens of millions more receive no assistance at all. Nationally, there is a shortage of over 7 million affordable homes. Families often train the next generation to repeat the cycle due to a lack of access to financial knowledge.
Total Access and Impact aims to break this cycle. Our mission is to end the affordable housing crisis in America and preserve government housing for those who need it most: non-working disabled individuals, seniors, and extremely low-income families.
Healthier finances lead to better mental health, physical health, and improved work and school performance for the whole family.
The majority of people living In subsidized housing that can work, Do Work!
N-I-M-B-Y
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Nimbyism, or "Not In My Backyard," is a social phenomenon where communities express support for affordable housing in theory but actively block its development in their own neighborhoods.
This practice perpetuates inequality, keeping disadvantaged families in under-resourced neighborhoods with low-rated schools, limiting their opportunities for growth and success.
We Need Your Help To Shut Down Predatory Lenders!
Buy Here, Pay Here Car Lots!
Say No, to
Predators
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The dealership acts as both the seller and the lender, maximizing their profit.
They allow borrowers to get into loans they cannot afford.
Their vehicles tend to be older, low-value models.
These cars are overpriced, leaving consumers upside-down in their loan the minute they drive off the lot.
Interest rates often start at 20%, this means a $20K loan will cost $42K after interest.
They do not report on-time payments to build credit.
1 in 3 borrowers will default on their loan. Sometimes because the payment was to high or the car broke down.
Dealers often will repossess a car within 3 days of a missed payment.
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Total Access and Impact’s Credit Mentors identify predatory lenders on credit reports during the initial review and recommend refinancing with a Credit Union at a lower interest rate as soon as they qualify.
With prime credit, our participants save hundreds of dollars a month in interest and fees.
Educating families to avoid predatory lenders, is a simple way to
PUT THEM OUT OF BUSINESS!
No More Payday Lenders!
Say,
400-800%
Interest
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The #1 reason consumers turn to payday loan services is for recurring expenses like RENT, CAR PAYMENTS, or UTILITY BILLS. These companies target low-income, vulnerable populations, positioning themselves in their neighborhoods.
Total Access and Impact helps participants become credit-ready, banked, and prepared for emergencies. Our simple process saves families money on fees, insane interests rates, and unnecessary stress.
10 million Americans are on The Banks Blacklist.
Check Cashing Stores
Say No, to
Blacklisted
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Sadly, 60% of HUD residents are unbanked compared to 20% of the general population, and it’s not always by choice.
Millions of American have been blacklisted by traditional banks due to over drafting their accounts and incurring non-sufficient funds (NSF) fees they couldn’t repay.
Unless they can pay these fees at up to $35 each, they will stay on this list for 10 years.
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The good news is that there are other options for banking. Neobanks are completely online banks that do not use the blacklist. Anyone can open an account in minutes and deposit a check with their phone. There are no fees, a built in cushion of $250 or more, and most offer a high-yield interest savings account.