Operation HOPE is a for-purpose organization working to disrupt poverty and empower inclusion for low and moderate-income youth and adults. Our focus is on financial dignity and inclusion. We equip young people and adults with financial tools and education to secure a better future—coaching them through their personal aspirations and life’s challenges and facilitating their journey to financial independence.

Empowering: financial independence

Lack of financial literacy is a major cause of generational poverty. Poor credit, out of control debt, and other impacts of bad financial decisions and life events, can leave hardworking individuals struggling to move forward and make sense of it all.

The Credit and Money Management Program, a core focus of HOPE Inside Adult Empowerment programming, is designed to transform disabling financial mindsets—teaching people the language of money, how to navigate credit, and make better decisions with the money they have.

Through workshops and one-on-one counseling, our financial wellbeing coaches empower clients to take control of their finances, by creating a budget, reducing and paying of debt, and clearing errors from their credit reports. Seventy-two percent of clients see a FICO score increase; 25 percent achieve a 700+ FICO score after six months of participation.

With the HOPE 700-Credit-Score-Communities initiative, the focus on raising client FICO scores to 700 and bringing financial uplift to communities, is at the foundation of the Credit and Money Management Program—working to rehabilitate the credit, financial, and overall wellbeing profile of the HOPE client, and the future bank borrower, and by extension, the community as a whole.

A community empowered with financial dignity asks better questions, demands better products and services, is more aspirational, and is better positioned. An empowered community is a community filled with economic opportunity.

Empowering: community stakeholders

Many individuals and families in low-to moderate-income households across the nation are wary of the home buying process, and feel that homeownership, a fundamental piece of the American Dream, is out of reach for them.

Our Homeownership Program, a core focus of HOPE Inside Adult Empowerment programming, is designed to empower individuals and families for whom homeownership would be difcult, if not impossible.

Operation HOPE is committed to helping people in underserved neighborhoods become homeowners and community stakeholders. Our financial wellbeing coaches support clients on the journey to homeownership, helping them get the funding they need to own a home without resorting to sub-prime loans.

The process starts with a homebuyers workshop that provides an overview of the process. From there, our HUD-certified coaches walk clients through the loan packaging process and provide them with the tools and resources to fund a home purchase. Our HUD-approved housing counseling program helps clients overcome a variety of common barriers to homeownership, including bad credit, lack of down payment, existing debt, and money management issues. Homeownership uplifts communities and creates engaged stakeholders— the net worth of the typical homeowner ranges between 31 and 46 times that of the net worth of the typical renter.