SHIFT
The SHIFT to Ownership Program is designed to help renting households transition into homeownership through a structured and affordable pathway in as little as six months.
SHIFT combines successful best practices into a personalized pathway that will work for you. The program emphasizes early stabilization, financial planning, proactive coaching, and access to specialty finance and savings programs.
You CAN own a home! Clinch-Powell and our partners have been helping families change their life, build a future and increase their personal wealth through homeownership for more than 25 years and we can help you too. We walk with you every step of the way to make sure you get there sooner than you imagine.
If you have stable income and can pay a fair rent, then you can probably own a home of your own!
Are You Ready 2 Shift?
Available now in Cocke County, TN and coming soon in surrounding TN counties!
Let’s get started!
Intake – This is the first step to shift to homeownership! We want to get to know each other, talk about your current situation, your housing goals and begin to set a pathway to homeownership together. Ready to get started? Shift here.
Readiness Review – We will review your readiness and together map out a path developed just for you. Depending on your readiness review you will be assigned a dedicated coach or counselor to help develop a plan.
Get Started – You will finalize your homeownership plan with a dedicated coach who will be your accountability buddy throughout your Shift journey. You and your coach will review your current situation including finances, credit picture, needs and wants and together develop a simple action plan to make sure you have the support you need to succeed. You and your coach will check in at least monthly to help you along the way.
Begin the Shift – Our program goal is to prepare you to be a successful homeowner, not just help you qualify for a loan. Your path may lead through a Shift Rent until You Own path, or you may be ready to travel directly into Shift to Ownership , or you may just want to concentrate on getting your personal finances, credit and household budgets where they need to be. If you stay on your path and make small shifts in your habits and actions, you are certain to change your life. You will complete your journey with a higher credit score, reduced debt, better spending habits, higher net worth and the confidence to turn a homeownership dream into a reality!
Shift Rent Until You Own – For those who are 6-24 months from being loan ready, you may qualify to move into one of our Shift program homes as a renter and then transition into homeownership of that home with a fixed rate permanent first mortgage and a possible Second Shift 0% interest $0 payment loan to make it affordable.
Shift to Ownership! – When you are mortgage loan ready, our skilled staff will help you find the best affordable financing options to fit your particular needs including Shift special downpayment assistance, affordable gap loans and shared appreciation loans if you are eligible. You can put your mind at ease throughout the process because you will be working with lenders you can trust.
Are you Ready 2 Shift? Apply today!
Have questions? Contact us in the Newport Office at 204 Mims Ave or call 423-720-1956
CONTACT
Shift Office:
204 Mims Avenue
Newport, TN 37821
423-720-1956
michelle@clinchpowell.net
Shift to Ownership is a collaborative Housing Can’t Wait initiative supported by these Shift Leading Partners! To get information on joining us, contact info@2shift.org
