PROGRAMS & SERVICES

Homeownership Promotion

Becoming a homeowner can be a daunting process, but it is not impossible. Wealth Watchers is committed to helping our neighbors successfully navigate the homebuying process and becoming stable homeowners. Click on a topic below to view the services and workshops we offer.


Financial Capabilities

When you are planning to purchase a home, good money management is an important first step. Financial capability helps to put you on the path to a sustainable financial future.


We promote and support an approach that combines financial education (to share basic skills and knowledge), financial counseling (to resolve specific issues and challenges in the short term) and financial coaching (to encourage behavior change and achieve positive and sustainable long-term outcomes).


Pre-purchase Housing Counseling

Meet with a Counselor

Meet your home purchase team members. Discuss the homebuying process and mortgage qualifying as well as examine your credit. You will review down payment assistance programs and affordable mortgage products best suited to your family based on your family individual needs.

Why Credit Matters

Credit is one of those things that can define who you are. It’s important to know your credit score at all times.

  • Allows you to purchase items that you want and need
  • Teaches you about paying on time
  • Informs you that you need to work on your credit
  • Helps you acquire credit

Homebuyer Education

Includes a combination of virtual classroom trainings and individual advisement that meet lender, builder, down payment assistance programs and homebuyer education requirements.

01

Homebuyer 101 Orientation

This program provides an introduction to the home buying process, home purchase team members, mortgage qualifying and the importance of credit. You can also learn about down payment assistance programs.

02

Financial Fitness

Create your specific homeownership plan. Review your credit and develop a spending plan to save money for your home purchase. If your credit history prevents you from qualifying for affordable mortgage products, this class will help you increase your credit score and reduce your debt.

03

Homebuyer Education

Course fee – $50 plus handling fee

Are you ready to shop for a home? This workshop is held twice a month on Saturdays from 10 a.m. – 2 p.m. Experienced, HUD-approved homeownership advisors as well as volunteer mortgage lenders, real estate agents and home inspectors teach the class. Fee includes course materials and refreshments.

Online Homebuyer Education Options

eHome America + Individual Advisement

Course fee – $99

eHome America is based on NeighborWorks America’s Realizing the American Dream curriculum and meets the national industry standards for homebuyer education. After you complete the online course, meet with our expert homeownership advisor to review your credit report, strengthen your score, understand different mortgage options and get answers to any questions you may have about the home purchase process. You will receive your certificate at the in-person appointment or via email.

Framework™ + Individual Advisement

Course fee – $75

Framework provides all the facts you need to navigate every step of the buying process. You can learn when, where and how you like. After you complete the course, combine online education with one in-person consultation with our expert homeownership advisor. Review your credit report to strengthen your score, understand different mortgage options and get answers to any questions you may have about the home purchase process.


Down Payment Program

There are county programs available to help potential homeowners secure their down payments.

Duval County

Wealth Watchers Inc. Community Builder

Borrower Income Limits: 

Up to 120% AMI

Borrower Min. Contribution: 

$0 – $1,250 (gift or other program)

Max Amount: $3,500

Term: 3 Years

Purchase Price Limit: None

Homebuyer Education: Required

Restrictions: Must be a Wealth Watchers Inc. approved lender

Clay County

Home Sweet Home

Max Amount:  $7,500

Income Limit: $75,960

Term: 30 Years Deferred

Purchase Price Limit: $298,192

Affordable Income Subsidy Grant

$1,500 – Below $55,920

$2,500 – Below $34,950

Nassau County

Nassau County Housing Strategy -SHIP

Income Classification

VL – Max Amount:  $45,000

L – Max Amount $33,750

M – Max Amount: $22,500

Purchase Price Limit: $215,000

Homebuyer Education:  Required

St. Johns County

Own a Home Grant

3%, 4% and 5%

Borrower Income Limit:  $104,850

Purchase Price Limit: $316,589

Own a Home Opportunity Average Amount: $7,500

Affordable Income Subsidy Grant

Homebuyer Education:  Required

Community Builder Down Payment Program

See the approved lenders for the Wealth Watchers Community Builder Down Payment Program.

Housing Preservation

Wealth Watchers is a Housing and Urban Development (HUD) Certified Housing Counseling Agency serving Northeast Florida as well as Southeast and Southwest Georgia. Its services include a landlord and tenants’ rights workshop for renters.


Wealth Watchers provides foreclosure prevention counseling for homeowners who are experiencing a financial hardship that makes it difficult to meet their mortgage payments obligation. 

Our foreclosure-mitigation counselors help homeowners understand the available options to help them remain in their homes or when appropriate the liquidation options to gracefully exit and avoid foreclosure.

COMPLETE INTAKE FORM

Workshops & Appointments

Homebuyer Orientation

Workshop fee – $10 (waived for new attendees)

This workshop is the place to start if you want to buy a home. We discuss the advantages and disadvantages of homeownership, give a snapshot of qualifying for a mortgage and discuss some of the costs you will incur in the homebuying process. You’ll also learn about the steps involved in our Pre-Purchase Program and how to apply for First-Time Homebuyer Down Payment Assistance. Workshops are held monthly, except July, August and December.

Homebuyer Education

Course fee – $50 (waived for new attendees)

This eight-hour class provides all the information needed to learn about the homebuying process, what to look for in buying a home, different mortgage products, roles of different professionals and more.

  • New clients should attend the Homebuyer Orientation first, then meet with a housing counselor prior to registering for this class to determine and/or verify mortgage readiness.

5310 LENOX AVE., STE. 4 JACKSONVILLE, FL 32205

(904) 265-4736

INFO@WEALTHWATCHERSFL.COM