Welcome to the Phebe Foundation Online!

The Phe’be Foundation’s goal is to use sound financial education, utilizing current resources for providing that education, to build financial literacy and financial empowerment in our communities. Recognizing the success of credit counseling, several leaders and lenders have asked that an independent mechanism be established to provide credit counseling as part of a larger mission to build financial literacy. Whether it is to teach money management to elementary and secondary school students, credit management to college students, financial awareness to our seniors or budgeting techniques to potential homeowners, The PHE’BE FOUNDATION addresses these important financial issues. The mission of The PHE’BE FOUNDATION is to build financial literacy which leads to financial empowerment.

Head Home
First-time homebuyers participate in a curriculum that addresses every aspect of properly preparing for the investment and responsibility of homeownership. The program is specifically geared towards female, head of household families. There are no income restrictions, closing costs are reduced and down payments are minimal. Some of the topics covered in this series include budgeting techniques, establishment or re-establishment of credit, money management, safe-guarding your credit report and building assets. In addition to these important components, each participant will learn how money recycles within a community and have an opportunity to broaden their financial vocabulary. This series of courses is designed, not only to create new homeowners in the community, but to teach them how to maintain their position as homeowners, once they have acquired their new home.

To date, former participants of this program have received over $27M in mortgage loans. The program has worked for over 200 participants per year over the past five years. It is vitally important to continue offering this type of education in order to provide the members of our communities an opportunity to experience the American Dream of homeownership. The Phe’be Foundation is proud to be a part of making that dream a reality.

Program Length: 4 weeks
Offered: 3 Times Annually

The Providers
This program is comprised of all the elements of the Head Home program with the exception of being specifically geared towards male, head of household families and fathers supporting their children. The benefits and curriculum mirror one another while addressing the important financial issues of the day.

Program Length: 4 weeks
Offered: 3 times annually

Operation Ownership / Hometoday
This program is comprised of all of the elements of the Head Home program with a few minor differences. Operation Ownership is open to all buyers, male and female. The guidelines are the same including reduced closing costs and minimal down payments. The money management and budgeting topics are addressed, along with safe-guarding your credit and building assets. To date, former participants of this program have received over $30M in mortgage loans. The program has worked for nearly 400 participants per year over the past four years. The Phe’be Foundation will continue to offer this valuable information to first-time homebuyers and allow them to experience the pride of ownership that comes with the purchase of a new home.

Program Length: 4 weeks
Offered: 8 Times Annually

Leaving a Legacy
At the request of several senior organizations and adult living communities, a curriculum focused on financial awareness has been developed. These courses include information designed to protect seniors from predatory lending schemes and estate planning. It is imperative that we do not ignore the elders of our communities – they deserve to spend their “golden years” with a sense of security and serenity after giving so much to their families and our communities. It is our responsibility to protect them from those who might take advantage of them financially. The Phe’be Foundation is happy to play a part in this important effort and we look forward to assisting the senior community in leaving a legacy.

Program Length: 1 Day
Offered: 2 Times Annually & Upon Request*

*Your registration will determine the date, time and location for this class. Register now and you will be notified a mininimum of 4 weeks prior to the start date.

The Door Of No Return
This program is specifically tailored to meet the needs of juvenile and adult ex-offenders who are re-entering our communities after being incarcerated. The curriculum developed for this program is centered around basic money management, budgeting, establishment or re-establishment of credit and general financial responsibility. It is our goal, at the Phe’be Foundation, to play an important role in assisting these men, women and children in the successful return to their families and our communities.

Currently Under Development