Starting Now

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Call Now: (954) 833-1135

Who We Serve

 

Starting Now is a 501(c)(3) non-profit organization dedicated to empowering individuals from all walks of life, with a primary focus on underserved communities, women, and veterans. We see the need for this type of assistance in these communities, and as a woman-run organization, we are passionate about helping women, in particular, understand their finances and achieve financial stability. To this end, we provide personalized one-on-one credit coaching and financial education to help enrollees strengthen and build their credit profiles. 

Our dedicated credit coaches work closely with each individual, creating customized plans tailored to their unique needs and goals. We guide our clients through every step of the process, helping them navigate the complex credit landscape and stay focused on their financial objectives. Whether the goal is qualifying for a mortgage, buying a car, or enhancing general financial wellness, Starting Now is committed to turning aspirations into reality. Since our founding in 2017, we have helped thousands of families improve their financial literacy through our hands-on coaching.

Underserved Communities

 

Credit coaching is essential in underserved communities, where financial literacy and access to credit often lag behind national averages. According to the Urban Institute, homeownership rates among minority communities are significantly lower, with African American homeownership at 44.1% and Hispanic homeownership at 49.1% compared to 74.5% for white households. This disparity highlights the urgent need for targeted financial education and credit improvement strategies. 

Credit coaching provides individuals with the tools and knowledge to manage their debts, improve their credit scores, and make informed financial decisions, which are critical steps toward achieving homeownership and long-term financial stability. By offering personalized guidance and support, credit coaching empowers individuals to overcome financial barriers, increase their creditworthiness, and secure the economic benefits of homeownership, thereby fostering more equitable financial opportunities within these communities .

 

Sources:

*Urban Institute. “The Black-White Homeownership Gap: Research Trends and Why It Matters.” Accessed July 10, 2024. Urban Institute. “Hispanic Homeownership: Accomplishments, Challenges, and Opportunities.” Accessed July 10, 2024.

Veterans

Credit coaching is crucial for veterans, many of whom face unique financial challenges as they transition to civilian life. According to the U.S. Department of Veterans Affairs, while the overall homeownership rate among veterans is higher than the national average at 76%, veterans still face significant hurdles, including higher rates of unemployment and underemployment compared to their civilian counterparts. Additionally, a report by the National Low Income Housing Coalition found that nearly 1.4 million veterans live in poverty, and approximately 38,000 veterans are homeless on any given night. These statistics underscore the importance of providing veterans with targeted financial education and credit improvement strategies.

Credit coaching helps veterans manage their debts, improve their credit scores, and navigate the complexities of financial systems, enabling them to achieve homeownership and long-term financial security. By offering personalized support, credit coaching empowers veterans to overcome financial barriers, enhance their creditworthiness, and secure stable housing, thereby contributing to their overall well-being and economic stability.

 

Sources:

*U.S. Department of Veterans Affairs. “VA Home Loan Guaranty Program: Annual Benefits Report Fiscal Year 2023.”
National Low Income Housing Coalition. “Out of Reach 2023: The High Cost of Housing.”

Women

Credit coaching is particularly vital for women, who often face distinct financial challenges and disparities. According to the National Association of Realtors, the homeownership rate for single women was 19.4% in 2023, compared to 29.2% for single men, highlighting a significant gender gap in homeownership. Additionally, the U.S. Census Bureau reports that women generally earn less than men, with women earning approximately 82 cents for every dollar earned by men, which can hinder their ability to save for down payments and secure favorable mortgage terms. These statistics emphasize the need for targeted financial education and credit improvement strategies tailored for women. Credit coaching provides women with the necessary tools to manage their debts, improve their credit scores, and make informed financial decisions.
 
By offering personalized guidance and support, credit coaching empowers women to overcome financial barriers, enhance their creditworthiness, and achieve the economic benefits of homeownership, ultimately fostering greater financial independence and stability.
Sources: *National Association of Realtors. “2023 Profile of Home Buyers and Sellers.” U.S. Census Bureau. “Income and Poverty in the United States: 2022.”

Empowering Individuals from All Walks of Life