“Owning my own home was a goal of mine for over 10 years and I’m still excited about this blessing.  Credit issues and just being afraid of such a large responsibility held me back.  Being a member of the Smart Savings Account program assisted me in becoming serious about buying a home (long-term family investment).  Fifth Ward CRC referred me to this program.  The Covenant classes and speakers helped me to stay focused.  The way the savings program is set up helped a great deal for me to be more disciplined in my savings.  When it came to closing, World Savings was a blessing with the application response time, low interest rate, and additional match funds.  Also, World Savings worked well with the other assistance programs I received.  I’ve learned that buying a home is a process (you must have a lot of patience and discipline in saving).  There’s a lot of information to learn before and after the home purchase, so you must have good representation for yourselves (for what you don’t know or understand).  Buying a home is an investment process for you, your family, and the community in which you live.  I would like to give thanks to the staff of Fifth Ward CRC, HACH, Covenant, and World Savings for making my goal reachable.”  Cheryle Ross

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