You Can Make IT Shelter

What You Can Make IT Shelter does

You Can Make It Home Ownership Center (YCMIHOC) is a 501(c)(3) non-profit organization founded in 2005 and headquartered at 660 Fitzhugh Blvd Suite 108 in Smyrna, Tennessee. It provides HUD-approved housing counseling, homebuyer education, credit counseling, foreclosure prevention, and financial literacy services to low- and moderate-income residents of Middle Tennessee, with physical class delivery in Clarksville, Nashville, and Smyrna plus online delivery via eHomeAmerica and Framework. All services are delivered free of charge to participants.

YCMIHOC's core service portfolio consists of a 6-hour interactive Home Buyer's Education Workshop (required for THDA-affordable loan and down payment assistance qualification), one-on-one Credit Counseling with debt elimination planning, and Foreclosure Prevention Counseling. Delivery is supported by a small in-house team of HUD-certified housing counselors (including a Spanish-certified counselor) and standardized online scheduling via Acuity. The organization has served 3,200+ clients since inception and facilitated $126M+ in approved mortgage loans in 2023-2024 alone.

The business model is non-revenue-generating at the participant level — YCMIHOC does not charge fees and instead relies on tax-deductible donations, federal and state grants (HUD, THDA, USDA-adjacent programs), and small local business sponsorships (Chick-fil-A, Little Caesars, Panera Bread). A network of 32+ partners — including major national and regional banks (Bank of America, Wells Fargo, Regions, Truist, US Bank, First Horizon, Pinnacle, Republic) and federal/state agencies — channels graduates into the mortgage origination pipeline, producing THDA's #1 statewide ranking for home buyer education since 2010.

Name

You Can Make IT Shelter

Legal name

You Can Make It Home Ownership Center

Website

https://ycmihoc.com

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

1–10 employees

Short description

YCMIHOC is a 501(c)(3) non-profit founded in 2005 that delivers HUD-approved homebuyer education, credit counseling, and foreclosure prevention services free of charge to low- and moderate-income residents across Clarksville, Nashville, and Smyrna in Middle Tennessee.

Ownership category

akta.pro rank

Product category

Housing Counseling Services

NAICS

Individual and Family Services (6241)

SIC

Services-Social Services (8300)

akta.pro primary industry

Housing Counseling, Foreclosure Prevention & Loss Mitigation Programs (FSALAKAM)

akta.pro secondary industries

Down Payment Assistance (DPA) & Homebuyer Subsidy Programs (FSALAKAE), Affordable Housing & Community Development (Housing, Community Land Trusts) (BPAGALAC)

Keywords

• Housing counseling services
• Homebuyer education
• Financial literacy programs
• Credit counseling
• Foreclosure prevention

Headquarters

HQ city

Smyrna

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, Technology or R&D, Infrastructure

Revenue model

1. Donations and Grants: As a 501(c)(3) non-profit organization, YCMIHOC relies on tax-deductible donations from individuals and grants from organizations to fund operations and programs.
2. Sponsorship Revenue: Local business sponsors (Chick-fil-A, Little Caesars, Panera Bread) provide financial support in exchange for community visibility and association with the homeownership mission.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels8 records

Core offering

You Can Make It Home Ownership Center (YCMIHOC) is a 501(c)(3) non-profit organization that delivers HUD-approved housing counseling, homebuyer education, credit counseling, and foreclosure prevention services to low and moderate income residents of Middle Tennessee. The organization offers 6-hour Home Buyer's Education Workshops, one-on-one credit and financial counseling, and foreclosure intervention delivered through in-person classes in Clarksville, Nashville, and Smyrna as well as online platforms (eHomeAmerica and Framework), all at no cost to participants.

Product overview

You Can Make It Home Ownership Center (YCMIHOC) is a 501(c)(3) non-profit organization that offers a unified homeownership education and counseling service portfolio. The core offerings consist of three main programs: Home Buyer's Education Workshop (a 6-hour interactive in-person or online course), Credit Counseling, and Foreclosure Prevention Counseling. These are complemented by in-person classes at three Tennessee locations (Clarksville, Nashville, and Smyrna) and two online course platforms (eHomeAmerica and Framework). A downloadable Resources Library provides supplementary tools like checklists and mortgage guides. All programs are delivered by HUD-certified counselors.

Differentiator

Problem solved

Functional benefit

Products and services

• Home Buyer's Education Workshop A 6-hour interactive workshop led by certified instructors covering pre- and post-purchase topics, providing a certificate of completion required for affordable loans and down payment assistance programs.
• Credit Counseling Individual counseling services that assist clients in evaluating financial situations, analyzing income and expenses, creating debt elimination plans, and building money management skills.
• Foreclosure Prevention Counseling Urgent counseling services to help homeowners identify solutions for avoiding foreclosure, including mortgage payment planning and default prevention strategies.
• In-Person Homeownership Classes In-person homeownership classes offered in Clarksville, Nashville, and Smyrna locations with flexible schedules including evening and weekend sessions.
• eHomeAmerica Online Classes Self-paced online homeownership classes available anytime through the eHomeAmerica platform for today's homebuyer.
• Framework Online Course Comprehensive online homeownership course for today's homebuyer offered through the Framework platform.

Quantifiable outcome

• 506 families helped achieve homeownership in 2023-2024
• +3 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eleven partnerships are on record, tiered core and minor.

• Tennessee Housing Development Agency (THDA)coreStrategic or Co-development PartnerState housing agency providing certification, program approval, and partnership for affordable housing programs including down payment assistance.
• US Department of HUDcoreStrategic or Co-development PartnerFederal housing department providing official housing counseling agency approval and standards.
• USDAcoreStrategic or Co-development PartnerFederal agency partner for rural development housing programs.
• Center for Nonprofit ManagementcoreStrategic or Co-development PartnerNonprofit support organization providing management resources and expertise.
• National Community Reinvestment Coalition (NCRC)coreStrategic or Co-development PartnerAdvocacy organization for community reinvestment and affordable housing.
• Credit Builders AlliancecoreStrategic or Co-development PartnerOrganization helping build credit for low-income individuals.
• CRC (Community Resources Center)coreStrategic or Co-development PartnerCommunity resource organization providing support services.
• Homeownership Down RightcoreStrategic or Co-development PartnerHousing standards organization providing guidance for homeownership.
• FrameworkcoreTechnology or IntegrationOnline learning platform partner providing homeownership education courses accessible to clients nationwide.
• Giving MatterscoreGTM or Marketing PartnerOnline donation platform partner processing charitable contributions to YCMIHOC.
• Equal Housing OpportunityminorStrategic or Co-development PartnerFair housing advocacy organization ensuring equal access to housing.

Scale indicators7 records

Recent moves7 records

Expansion highlights5 records

Others

• National Community Reinvestment Coalition (NCRC): National advocacy and coalition organization for fair lending and community reinvestment. A strategic partner of YCMIHOC operating in the same housing counseling/affordable housing policy space.
• Framework Homeownership: Online homeownership education platform and YCMIHOC distribution partner. Provides digital course delivery infrastructure for HUD-approved counseling agencies.
• eHomeAmerica: Online homeownership education platform that YCMIHOC uses to deliver its pre-purchase course. Adjacent partner/enabler in the same homebuyer education value chain rather than a direct competitor.
• Tennessee Housing Development Agency (THDA): State housing finance agency that certifies YCMIHOC as a Home Buyer Education Initiative Trainer and ranks it as Tennessee's #1 homebuyer education organization. Functions as a regulator, funder, and referral source rather than a direct competitor.

Broad incumbents

• Money Management International (MMI): One of the largest HUD-approved credit counseling agencies in the U.S., offering housing counseling, debt management, and financial education. Comparable service portfolio but at much larger national scale than YCMIHOC.
• NeighborWorks America: A national network of more than 250 HUD-approved nonprofit housing counseling and community development organizations. Directly comparable as a larger umbrella organization coordinating housing counseling services, with a stronger national footprint than YCMIHOC.
• GreenPath Financial Wellness: A large HUD-approved financial counseling agency offering housing counseling, credit counseling, and debt management. Operates as a broader incumbent with national scale and a wider service portfolio than YCMIHOC.
• National Foundation for Credit Counseling (NFCC): National umbrella organization for HUD-approved credit and housing counseling agencies. Comparable as a housing counseling ecosystem leader and standards body relevant to YCMIHOC's service category.

Direct peers

• HomeFree-USA: A HUD-approved national housing counseling agency providing homebuyer education, financial coaching, and foreclosure prevention. Closely matches YCMIHOC's service portfolio and HUD certification model, though operating at greater national scale.
• Clarifi: A nonprofit HUD-approved housing counseling agency providing homebuyer education, credit counseling, and foreclosure prevention. Highly comparable service mix and HUD-approved model to YCMIHOC.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCBUqCGwtRZOust5kPzFaqnw
• Facebookfacebook.com/YCMIHomeOwnership
• LinkedInlinkedin.com/company/you-can-make-it-homeownership-center
• Instagraminstagram.com/ycmi_homeownershipcenter
• Xtwitter.com/i/flow/login?redirect_after_login=%2FYCMI_Homeowner

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Funding overview

Funding rounds

Investors

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 You Can Make IT Shelter