Success Stories

Ronald, Hope Institute Client:
I am 57 years old. In 2009 I lost my job at Lockheed Martin where I was making $25,000 a year. Unfortunately by 2011 I was homeless but was able to get back on my feet in 2012. Someone told me about the City of Camden having first-time homebuyer’s programs but I wasn’t ready. Then in 2014 I had major surgery. Once I completed my recovery, I found PBCIP’s homeownership education program, the Hope Institute. When I walked in that classroom I thought with my income I wouldn’t be able to qualify for a mortgage. However after sitting down with Miosha, PBCIP's Homeownership Coordinator, she helped me figure out my house price range.

I am proud to say that on December 28, 2017 I bought my house in the City of Camden! I had been living in an apartment in Magnolia paying twice the amount of my new mortgage! I would like to say to everyone, I didn’t do this overnight. As long as you have patience and follow thru with your plan you can become a homeowner in whatever neighborhood you desire.

Nilda, Hope Institute Client:
I am a 37 year old, Hispanic female who grew up in Camden. I had no idea what credit was or how important it would be in my life. I was never taught money management skills, mainly because I grew up poor and there simply was no money to manage. My family never owned a house, we always rented and we lived check to check my entire childhood. Now that I have my own children, I have a strong desire to break that cycle. When I returned to school to get my degree, I wanted to start doing MORE positive things that my children could be proud of.

Instead of complaining that I was never taught about credit or financial security, I decided to learn on my own and teach my children so they could have a better future. In 6 short months I went from having no credit, with a score of 550, to very good credit with a score of 741! I also heard about the opportunities PBCIP was giving the community to learn about homeownership and I decided to sign up. During my one-on-one counseling I found out that I could actually purchase a home, I almost fell out. Six months ago I couldn’t even apply for an Old Navy card. It just shows that if we want to succeed in life IT IS completely possible no matter what we weren’t taught or how impossible we ‘think’ it is.