“I didn’t think it would happen.  I wanted to own my own home, but I couldn’t seem to control my spending.  My counselor at HFUSA helped me set up a budget and then she made sure I stuck to it.  When I would mess up, she didn’t want to hear excuses.  I finally made it.  Thank you so much.” –F. Sawyer

“My sons didn’t like the place we were living and I was afraid for them.  I wanted to buy a house, but I had to file bankruptcy a couple of years ago.  Both of my sons are disabled.  Doctor and hospital bills were too much.  I thought no one would give me a loan to buy a house.  The people at HFUSA gave me a chance.  I took all the classes and I met with my advisor every month.  When I applied for the loan, the bank turned me down, but the HFUSA staff went to work for me.  They argued for me to get the chance.  I cried when they called and told me I had been approved.  My sons and I now live in our own home and I can afford my payments.”  --M. Butler

“My wife was expecting our second child and I had promised her we would buy a house before the baby was born.  I didn’t really know a lot about buying a house, but I heard an ad on the radio that this place would help me.  HFUSA helped us learn everything we needed to know and they gave us honest advice.  It was the best decision.  They even referred us to a realtor who worked for us.  He helped us find the right house and get a great deal.  When we were approved, I was blown away.  The interest rate was lower than the rates I was seeing in the newspaper.  My wife signed the closing papers in the delivery room.” –R. Taylor