I truly wanted to give this program a 5-star review because the concept and assistance it offers to families purchasing a home is wonderful. Unfortunately, our personal experience was closer to a 2-star experience. The representative assigned to us, Kimberly K., came across as dismissive, discouraging, and at times unprofessional. As a biracial family--my husband is Caucasian and African American, and I am Hispanic--we were excited to participate in a program designed to assist diverse families. However, throughout the process, we often felt overlooked and unsupported. One example that stood out occurred when our credit scores were reviewed. My score was 805 and my husband's was 810. We were proud of how much we had improved our credit over the last year and simply celebrated with a quick high-five. Kimberly immediately responded by saying, "That doesn't matter here. What matters is income and proof you can afford the home." While technically true, the comment felt unnecessarily dismissive and took away from a moment we were proud of. Over the course of nearly two years, we repeatedly attempted to qualify through the program. My husband's income increased significantly, from approximately $85,000 to over $135,000 annually. However, because he had only been earning the higher income for four months, Kimberly stated she could not use the updated income and advised us to wait another year. We offered updated pay stubs, employment verification, and supporting documentation, but were told the underwriter would not approve it. The application was effectively declined before being submitted for review. Mind you the raise was for the same company! Communication was another major concern. Appointments were rescheduled multiple times, emails and phone calls often went unanswered, and despite bringing documents in person, we were instructed to upload everything online rather than having them reviewed during our meetings. Throughout our interactions, Kimberly frequently spoke about how busy she was, how many clients she was helping, how tired she was, and how much she was looking forward to her vacation. While everyone deserves time off, these conversations often left us feeling like we were a burden rather than valued participants in the program. The most frustrating part was being consistently told what we could not afford. During our first evaluation, we were quoted an approval amount far below what our financial situation supported. We were repeatedly told, "I can't approve you for what you can't afford," despite our long history of paying nearly $3,860 in rent each month. Ironically, after stepping away from the program, we successfully purchased a beautiful five-bedroom home for $586,000 with a 3.99% interest rate and very little money down. We were ultimately approved for well over $800,000 through a traditional lender. This outcome demonstrated that our financial qualifications were stronger than we had been led to believe. Another concern is that participants are encouraged to leave 5-star reviews before the process is completed. Reviews should reflect the entire customer experience from start to finish, allowing clients to provide honest feedback once they have completed their journey. I understand that every family's experience may be different, and I am genuinely happy for those who have been helped by this program. However, based on our experience, I cannot recommend it. We spent nearly two years being told "no," despite consistently working toward the goals we were given. In the end, we achieved homeownership without the program and with terms that were equal to or better than what was being offered. I am sharing our experience not out of bitterness, but in the hope that future participants receive better communication, more encouragement, and a fair opportunity to have their applications fully evaluated. read more