You deserve a safe, stable, and affordable place to call home — and a pathway to build wealth for generations.

Ashley Garner

Founder & CEO, UNI Housing Foundation

Start Your Home Ownership Journey

Homeownership Is
Possible.
We Make It Affordable.

A Rigged System. A Real Solution.

Across California, families are shut out of homeownership because of rising prices, limited credit access, and generational economic barriers.

UNI Housing Foundation exists to change that.

We help people who have been told they don’t qualify finally qualify.

This includes:

First-time buyers

Returning citizens

Formerly unhoused community members

Veterans

Workforce "missing middle" families

Faith-based communities

Your story matters. Your future matters. And we're here to walk with you every step.

The Problem

We Make Homeownership Attainable — Not Impossible

UNI is more than a class or a workshop. It’s a full pathway designed specifically for families who’ve been historically excluded from ownership.

Holistic
Support

Education + coaching + lenders + grants + post-purchase stability.

Proven
Impact

Over $1.5M in down payment assistance generated for working families.

Affordable Payments

Many clients secure mortgages under $2,000/month.

Layered Funding Access

We help you secure forgivable grants that erase barriers.

Culturally Responsive

Built for real communities, taught in ways our people learn best.

Our Solution

Our Core Programs

Programs

Future Homeowners Academy

A 4–8 week transformation that demystifies buying a home.

Workshops, 1:1 coaching, affordability planning, and lender introductions.

Apply for the Academy

Down Payment Assistance Access

We connect you to partner banks and programs offering forgivable grants and below-market lending, including River City Bank, US Bank, First Citizens, and others.

See Available Assistance

Faith-Based & Nonprofit Partnerships

We create custom homeownership programs for churches, nonprofits, and community organizations.

UNI also offers curriculum licensing and program development.

Partner With UNI

Transformative Impact Stories

Impact Stories

Julien

"Homeownership means security and peace of mind for my family"

After UNI: Learned about assistance options and now feels equipped to buy.

Atija

"My life is changing, my kids are growing, I want to give them a home we can grow with."

After UNI: Replaced fear with confidence and clear next steps.

Haifa

"I was inspired by the young single women around me who became successful homeowners."

After UNI: Became prequalified and confident in the process.

Local Impact

$1.5 M +

In down-payment assistance generated

Hundreds trained through workshops

100% of clients report increased confidence

Multiple partnerships with trusted banks and community agencies

How It Works

1

Learn

2

Prepare

3

Buy

Join the Academy and get grounded in budgeting, credit, and the homebuying process.

Work with your coach to stabilize your finances and qualify for affordable lending.

Secure down payment assistance, get preapproved, and choose a home that fits your future.

We Build Programs That

Build Communities.

We partner with cities, banks, churches, and nonprofits to expand

homeownership and strengthen communities.

Expand Minority Homeownership

Increase access for first-time buyers.

Provide culturally responsive curriculum

Designed for real families and learners.

Deliver CRA-aligned programs

Expand Minority Homeownership

Reduce displacement

Support stability for vulnerable families.

Community Partnerships

Partner with UNI

Let's Build Your Pathway to
Homeownership

Contact Us

Email: uni@crepathways.org

🏠 First-Time Buyers Welcome

💳 Credit Challenges Welcome

🔁 Returning Buyers Welcome

💛 Culturally Responsive

🤝 Partnerships Available