Housing Economic Resources & Education

Name

Housing Economic Resources & Education

Legal name

Housing: Economic Resources & Education

Website

https://hereishome.org

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Housing Counseling and Education

NAICS

Community Housing Services (62422), Other Community Housing Services (624229), Educational Support Services (611710)

SIC

Services-Social Services (8300), Loan Brokers (6163), Services-Educational Services (8200)

akta.pro primary industry

Affordable Housing & Community Development (Housing, Community Land Trusts) (BPAGALAC)

akta.pro secondary industries

Affordable Rental & Multifamily Housing Finance Programs (LIHTC/Tax Credits/Subsidized Loans) (FSALAKAF), Homeownership & Housing Finance (Renting, Mortgages, Refinancing) (EDAAAJAJ), Residential Affordable Housing Development & Construction (IMAFABAI)

Keywords

• Housing counseling services
• Homebuyer education
• Financial literacy workshops
• Mortgage loan packaging
• Veteran housing assistance

Headquarters

HQ city

Hattiesburg

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Fundraising events: HERE hosts fundraising events such as 'A Taste of Jazz' to raise funds supporting low-income families' homeownership dreams.
2. Donations and contributions: The nonprofit accepts monetary donations to support its mission of homeownership education and resources for underserved communities.
3. Grant funding: As a 501(c)(3) organization, HERE receives grant funding from institutional partners such as Federal Home Loan Bank of Dallas to operate programs like the Fortified Roof Program and HAVEN for veterans.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels6 records

Core offering

Housing: Economic Resources & Education (HERE) is a 501(c)(3) nonprofit that provides free housing counseling, homebuyer education, and financial literacy services to low-to-moderate income individuals, veterans, and nontraditional credit borrowers in the Pinebelt region of Mississippi. The organization is a certified loan packager for USDA Rural Development's 502 Direct Loan program and administers specialized programs including the Fortified Roof Program and the HAVEN veterans housing assistance program in partnership with the Federal Home Loan Bank of Dallas.

Product overview

Housing: Economic Resources & Education (HERE) is a nonprofit organization offering a unified portfolio of housing assistance services rather than a traditional product platform. The core offerings center on homeownership education and financial counseling programs including mortgage loan packaging (certified for USDA Rural Development's 502 Direct Loan), pre-purchase homebuyer education, credit counseling, rental counseling, and financial literacy workshops. Specialized programs include HAVEN for veteran housing assistance and the Fortified Roof Program for storm-resistant roof replacements. Community engagement is supported through the annual Taste of Jazz fundraiser and Home Buyers' Workshop seminars. All services aim to create generational wealth for families by promoting homeownership through education and financial resources.

Differentiator

Problem solved

Functional benefit

Brands

• HAVEN: Housing Assistance for Veterans Program - a grant program offered by Federal Home Loan Bank of Dallas that helps fund necessary repairs or modifications to homes of U.S. veterans and active-duty service members who became disabled as a result of their military service.

Products and services

• Mortgage Loan Packaging Certified loan packaging service for USDA Rural Development's 502 Direct Loan program that assists low- and very-low-income applicants in obtaining decent, safe and sanitary housing in eligible rural areas by providing payment assistance (subsidy), below-market interest rates, and flexible credit score requirements.
• Pre-Purchase Homebuyer Education Educational program providing essential resources and educational opportunities to underserved communities, aiming to uplift individuals and families preparing for homeownership and foster community support.
• Homebuyer Education Courses Periodic online or in-person courses explaining the home-buying process, mortgage loan approval requirements, benefits and challenges of homeownership, and mortgage and lending terms.
• Home Maintenance and Financial Management Counseling Counseling services focused on housing education and financial literacy that equip participants with the knowledge and skills for sustainable housing solutions and ongoing homeownership.
• Rental Counseling Counseling assistance covering locating housing resources, creating a household budget, devising an affordable rent strategy, establishing eligibility for assistance, aiding in rental assistance applications, and identifying appropriate housing units.
• Financial Literacy Workshop Workshops providing up-to-date information on available affordable housing properties, eligibility requirements, and application processes to connect individuals and families with safe and affordable homes.
• Credit Counseling Advisory service during the homeownership journey covering money and debt management, budget assistance, and money management tips.
• Budget Counseling Session Free one-on-one counseling session providing personalized budget advice and financial guidance for prospective homeowners, scheduled by appointment.
• HAVEN (Housing Assistance for Veterans) Grant program offered through Federal Home Loan Bank of Dallas that helps fund necessary repairs or modifications to homes of U.S. veterans and active-duty, reserve, or National Guard service members who became disabled as a result of their military service; HERE assists eligible veterans with applications and program coordination.
• Fortified Roof Program Program providing storm-resistant roof replacements designed to prevent damage from hurricanes and high winds for income-qualified homeowners in the Pinebelt area, administered in partnership with the Federal Home Loan Bank of Dallas.
• Home Buyers' Workshop In-person and virtual homebuyer seminar providing guidance on the home-buying process for prospective homeowners.

Quantifiable outcome

• 27 roofs totaling $159,194.83 completed for income-qualified homeowners in 2023, impacting 11 families (16 people) across 5 counties
• +1 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Emerging players

• Hope Credit Union (Hope Enterprise Corporation): Community development financial institution serving underserved communities in the Deep South (including Mississippi) with banking, lending, and financial counseling — overlapping LMI customer base and geography with HERE.

Direct peers

• HomeFree-USA: HUD-approved national housing counseling agency delivering homebuyer education, financial literacy, and credit counseling to underserved borrowers — a direct counterpart to HERE's pre-purchase and credit counseling services.
• NeighborWorks America: National network of HUD-approved housing counseling agencies providing homebuyer education, financial coaching, and foreclosure prevention — directly overlapping HERE's pre-purchase education and counseling core services.
• GreenPath Financial Wellness: HUD-approved, NFCC-accredited nonprofit providing credit counseling, housing counseling, and financial wellness programs — closely mirrors HERE's counseling portfolio for underserved consumer segments.
• National Foundation for Credit Counseling (NFCC): National nonprofit network of accredited credit counseling agencies; directly comparable to HERE's credit counseling, budgeting, and financial literacy workshops for low-to-moderate-income consumers.

Regional players

• Rural Community Assistance Corporation (RCAC): Nonprofit serving rural communities across the western U.S. with housing, infrastructure, and community development programs — analogous rural LMI mission but geographically non-overlapping with HERE's Mississippi footprint.

Others

• USDA Rural Development: Federal agency that funds the 502 Direct Loan program HERE is certified to package; key ecosystem partner rather than a peer, but the most direct comparator for HERE's loan-packaging service line.

Broad incumbents

• Neighborhood Assistance Corporation of America (NACA): National nonprofit providing affordable homeownership counseling and advocacy for low-to-moderate-income buyers; shares HERE's mission of wealth-building through homeownership but at much larger scale.
• Local Initiatives Support Corporation (LISC): Major community development financial institution supporting affordable housing and economic development through local partner nonprofits — comparable target population and grant-making/partner dynamic with HERE's local model.
• Habitat for Humanity International: Largest U.S. nonprofit focused on affordable homeownership for low-income families; comparable mission and LMI customer base, but operates at national scale with a homebuilding model rather than HERE's counseling/loan-packaging model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds1 record

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Housing Economic Resources & Education