HomeFirst Metrics Report 2019 by UA Community Affairs

EFIR M S O

EP O R S R

METRIC

TAB LE O F CO N T E N T S 2 � �� What is the HomeFirst Metrics Report? 6 � �� Demographic Data 7 � �� Pilot Program Area and DTS Service Area Expansion 8 � �� Housing Data 9

�� Outreach and Recruitment

10 �� Savings and Money Management 11 �� Credit Building and Debt Reduction 12 �� Financial Capability Scale and Homebuyer Readiness 14 �� Appendix A 21

� �� Appendix B

What is the HomeFirst 2019 Metrics Report? The HomeFirst 2019 Metrics Report

HomeFirst analyzed our research and

provides documentation of total

capabilities and applied lessons learned

households, geographies served, and

from a successful pilot program in 2017

metrics from HomeFirst, a financial

and 2018 in Tuscaloosa County to partner

wellness program powered by The

as an anchor institution with proximity to

University of Alabama’s Center for

high-needs rural regions. Our previous

Community-Based Partnerships to

pilot included 25 participants. Our 2019

serve Greene, Hale, and Tuscaloosa

plan for expansion included increasing our

County individuals and families on their

program capacity to 72 households in a

path toward first-time homeownership

three-county service area encompassing

from July 2, 2019–December 13, 2019.

Greene, Hale, and Tuscaloosa Counties.

From July 2, 2019–December 13, 2019, 75 households were added to the expanded pilot, for a total of 100 households. Fifteen HomeFirst coaches and three HomeFirst staff provided 231 coaching meetings and completed 330 financial coaching modules.

What is the source of the data? Financial coaching is the strategy HomeFirst

many benefits, there were no certainties

used to collect the data and to assist

in outcomes; however, we guaranteed

participants in improving their financial

participants would be able to:

circumstances and overall well-being. During coaching sessions, we assessed participants’ financial circumstances, addressed financial challenges, and helped identify goals participants defined for themselves. These financial coaching sessions allowed participants to

• partner with HomeFirst to work toward their goals • participate in one-on-one meetings during our three-month financial coaching program • receive knowledge, support, and resources for successful homeownership

establish and improve essential financial skills, including: • Savings • Money Management • Access to Banking • Credit Building • Debt Reduction • Homebuyer Readiness

Participants had an opportunity to investigate HomeFirst and understand all risks associated that potentially accompany participation in financial coaching. HomeFirst recognizes that homeownership may not have been a viable goal for each of the participants during their time of enrollment; however,

HomeFirst’s view of financial coaching

significant research has shown the value

is that it does not diagnose or prescribe

of financial coaching for financial

certain financial solutions to a situation;

well-being, even if participants do

rather, HomeFirst works with participants

not go on to buy a home.

to identify their financial goals and effective

We had access to information that our participants

ways to achieve them. While financial

voluntarily gave us. This information was provided

coaching generally offers participants

to us orally, on the application, during coaching meetings, or on other forms (Appendix A).

What types of information did we gather from participants? In order to effectively serve participants,

demographic information, housing

we collected some personal information.

and income information, and records

The types of personal information we

of all HomeFirst activities.

collected include: â&#x20AC;˘ Spoken or written information on the application, other forms, and meeting notes, such as basic identifying

â&#x20AC;˘ Information we received during HomeFirst financial coaching sessions, such as credit history, debt information, and savings goal progress.

information, contact information,

How did we use our participantsâ&#x20AC;&#x2122; information?

We used the information we collected to

and entities that provide funding to

help us provide the services participants

HomeFirst. We collected permission

requested. We also used this information

from all participants to collect, use, and

to provide case management and support,

share anonymous aggregated case file

track individual program outcomes,

information to evaluate our services

produce reports about use of services,

(Appendix B), to gather valuable research

and provide accountability for individuals

information, and to design future programs.

What data fields are included on the HomeFirst 2019 Metrics Report? The following fields are included on the report: Demographic Profile

impacts. This report also includes a

• Date of birth

snapshot of post-program data secured

• Gender

from a sample of participants.

• Race • Ethnicity • Marital status • Highest level of education completed • Housing information

Financial Capability Scale (FCS) 1. Do you currently have a personal budget, spending plan, or financial plan? Yes No 2. How confident are you in your ability to achieve a financial goal you set for yourself today? Not at all confident Somewhat confident Very confident 3. If you had an unexpected expense or someone in your family lost a job, got sick or had another emergency, how confident are you that your family could come up with money to make ends meet within a month? Not at all confident Somewhat confident Very confident 4. Do you currently have an automatic deposit or electronic transfer set up to put money away for a future use (such as savings)? Yes No 5. Over the past month, would you say your family’s spending on living expenses was less than its total income? Yes No

Housing type

6. In the last 2 months, have you been charged a late fee on a loan or bill? Yes No

• Homeownership (in the past three years) • Landownership/property ownership • Length of time in current home • Number in household Income Information • Employment status • Gross annual income threshold

Source: Collins, J. Michael, and Collin O’Rourke. (2013) Financial Capability Scale (FCS), University of Wisconsin Madison, Center for Financial Security. doi: 10.5281/zenodo.57102 For more information, please visit http://fyi.uwex.edu/financialcoaching/measures

Outreach and Recruitment Information We collected information about how participants found out about our services. The expansion of the program required diversifying and expanding our recruitment

Financial Capability Information

pool by providing outreach to and/or

We have begun and will continue to use a

seeking referrals from community-based

set of standardized participant outcome

organizations, local employers, higher

measures called the Financial Capability

education partners, and the wider community

Scale (FCS), a standard tool in the financial

to ensure that a steady and reliable stream

coaching field, to demonstrate client

of participants enrolled in HomeFirst.

All Registered Participants at Intake 30% Had a budget

Demographic Data

39% Had an automatic transfer to savings 42% Had been charged a late fee recently

75 Individuals registered

Access to Banking at Intake Education Participant 32% Had taken out a payday loan 4% Vocational/Technical Training 13% Have less than HS Diploma/GED 31% Partially banked 30% Earned HS Diploma/GED 11% Unbanked 53% Graduated or attended college

44 Average age

4.44

Average Financial Capability Scale score

96% Female 4% Male All Registered Participants at Intake 30% Had a budget 39% Had an automatic transfer to savings 97% African-American 3% White

42% Had been charged a late fee recently Access to Banking at Intake 32% Had taken out a payday loan

99% Earned at or below the median family income 6

31% Partially banked 11% Unbanked

Pilot Program Area

TUSCALOOSA CO.

Tuscaloosa County, Alabama Tuscaloosa County is home to 208,776

The median family income in Tuscaloosa

residents 1. Education, auto manufacturing,

County is $66,900 3. The median value

and healthcare are important industries

of an owner-occupied housing unit is

in Tuscaloosa County. The University of

$173,800. Sixty-two percent of occupied

Alabama is located in Tuscaloosa and is

units are owner-occupied and ten percent

the countyâ&#x20AC;&#x2122;s largest employer, followed

of housing units in Tuscaloosa County are

by Mercedes-Benz U.S. International, Inc.,

mobile homes 4.

and DCH Regional Medical Center 2.

55% Lived or worked in Tuscaloosa County

DTS Service Area Expansion

HALE CO. GREENE CO.

Greene County, Alabama & Hale County, Alabama Greene County is home to 8,312 residents 1.

Hale County is home to 14,872 residents 1.

Manufacturing is a key industry in Greene

Manufacturing and healthcare are important

County, followed by agriculture, forestry,

industries in Hale County 2.

fishing, and hunting 2. The median family income in Greene County is $31,000 3. The median value of an owner-occupied housing unit is $67,700. Sixty-eight percent of occupied units are owner-occupied. Forty percent of housing units in Greene County are mobile homes. This is more than double the average for Alabama and the United States 4. 33% Lived or worked in Greene County 1

SimplyAnalytics. Retrieved from http://www.simplyanalytics.com/.

U.S. Bureau of Labor Statistics. Retrieved from http://www.advantagealabama.com/county.

The median family income in Hale County is $66,900 3. The median value of an owner-occupied housing unit is $88,800. Seventy-five percent of occupied units are owner-occupied. Thirty-six percent of housing units in Hale County are mobile homes. This is more than double the average for Alabama and the United States 4. 12% Lived or worked in Hale County

U.S. Department of Housing and Urban Development. Retrieved from https://www.huduser.gov/portal/datasets/il/ il2019/select_Geography.odn. 3

Census Reporter. Retrieved from https://censusreporter.org/.

Housing Data

3.3

Average household size

11% Live with family or friends 4% Own a home 7% Own land

4% Other interest in land

85% Renters

Outreach and Recruitment Recruitment Source

Expected Actual Outcomes Outcomes (Inquiries)

(Participants)

Community-Based Organizations Referrals from the United Way of West Alabama, Community Service Programs of West Alabama, City of Tuscaloosa, West Alabama Coalition for the Homeless, Tuscaloosa Housing Authority, Housing Authority of Greene County, Housing Authority of Eutaw, Housing Authority of Greensboro, Habitat for Humanity of Tuscaloosa, Habitat for Humanity of Hale County, HERO, Tuscaloosaâ&#x20AC;&#x2122;s One Place, Catholic Social Services, Impact America, Temporary Emergency Services, Good Samaritan Clinic, and Whatley Health Services, Inc.

Employer-Based Outreach to employees of The University of Alabama, DCH Regional Medical Center, City of Tuscaloosa, Tuscaloosa County Government, Hale County Government, Greene County Government, The Chamber of Commerce of West Alabama, Tuscaloosa City Schools, Tuscaloosa County Schools, Greene County Schools, Hale County Schools, and Mercedes suppliers

Higher Education Partners Outreach to The University of Alabama (UA) (Alabama Center for Real Estate, Culverhouse LIFT, Center for Community-Based Partnerships, and the Women and Gender Resource Center); the Tuscaloosa Consortium for Higher Education (Stillman College, Shelton State Community College, and UA) and Auburn University (Rural Studio)

Flyer/ Promotional Material Distribute flyers at public libraries, housing agencies, community centers (i.e. McDonald Hughes, Gateway Center, and PARA fitness)

Word of Mouth Referrals from friends or family members of prior HomeFirst participants and local realtors

Online Newsletters / Social Media Pending approval, create website presence for HomeFirst. Publicize through community-partner specific emails and social media pages

Other Total 9

6 90

Savings and Money Management This report includes a snapshot of post-program data secured from a sample of participants.

Increased Savings Frequency to Date

Greene County Cohort

% 83 %

38%

All Participants Hale County Cohort Tuscaloosa County Cohort

Very ConďŹ dent in Ability to Manage Money to Date 91% All Participants

75% Greene County Cohort

88% Hale County Cohort

96% Tuscaloosa County Cohort

Credit Building and Debt Reduction This report includes a snapshot of post-program data secured from a sample of participants.

AT INTAKE

TO DATE

61% Reported having

80% Reported some or

a bit more or far more

a lot of progress in

debt than is manageable

paying off debt

Tuscaloosa County Cohort

Greene County Cohort

Hale County Cohort

96% Somewhat or Very

100% Somewhat or Very

Confident in understanding

their credit report

96% Somewhat or Very

100% Somewhat or Very

Confident in their ability to

increase their credit score

78% Improved credit score

25% Improved credit score

50% Improved credit score

83% Some or a lot of

100% Some or a lot of

75% Some or a lot of

progress paying off debt

30% Have student loan debt

75% Have student loan debt

25% Have student loan debt

Financial Capability Scale and Homebuyer Readiness This report includes a snapshot of post-program data secured from a sample of participants.

HomeFirst Post-program Data 8.1 6.2 5.2 3.5

4.2 4.4

6.6

6.5 5.6

4.5 2.5 1.4

Pre-program FCS Score

Post-program FCS Score

Modules

Meetings

Greene County Cohort Hale County Cohort Tuscaloosa County Cohort

Greene County Cohort

Hale County Cohort

Tuscaloosa County Cohort

63% Felt more confident in

50% Felt more confident in

91% Felt more confident in

the homebuying process

$281 Average saved

$63 Average saved

$909 Average saved

To Date

AT INTAKE

TO DATE

4.15

5.80

Pre-FCS Score Average

Post-FCS Score Average

80% Had a budget 69% Had automatic transfer to savings 69% Increased frequency of savings 91% Very confident in managing their money 9% Payday loan 31% Charged a late fee $591 Average amount saved $744 Average debt paid off

This report includes a snapshot of post-program data secured from a sample of participants.

EP O R S R

EFIR M S O

METRIC

Appendix A

HomeFirst Registration HomeFirst Registration Welcome to HomeFirst!

Unemployed

Part-time

Full-Time

Self-Employed

For Tuscaloosa County and Hale County residents: 1

Last Name

Preferred Name

Based on DTS 2019 Income Limits for a family of four.

For Greene County residents:

below $31,000

Do you currently have a personal budget, spending plan, or financial plan?*

Street Address

Primary Phone

Cell

ZIP

County

Landline Alternate Phone

Email Preferred Contact

Call

Text

Emergency Contact Name

Yes

Phone Number

Yes

(optional)

Highest Level of Education Completed

Gender

Some High School

Race

High School Diploma/GED Technical/Vocational Training

Ethnicity

Some College

Marital Status Married

Divorced

Associate’s Degree

Widowed

Bachelor’s Degree

Separated

$66,901 or above 1

If you had an unexpected expense or someone in your family lost a job, got sick or had another emergency, how confident are you that your family could come up with money to make ends meet within a month?* Not at all confident

Master’s Degree or Above

Checking Only

Both

Savings Only

How would you rate your current credit record? Very bad

Bad

Average

Good

Very good

Unsure

As of today, which of the following statements describes how manageable your household debt is? Have a manageable amount of debt

Do you currently have an automatic deposit or electronic transfer set up to put money away for a future use (such as savings)?* No

Have a bit more debt than is manageable Have far more debt than is manageable Do not have any debt How ready (prepared) are you to buy a home?

Over the past month, would you say your family’s spending on living expenses was less than its total income?* Yes

Do you currently have a bank account?

Very Confident

Yes

In the past 3 months, have you taken a cash advance on a paycheck, payday loan, etc? Yes

Somewhat confident

Very Confident

Demographic Information

Single

below $66,900

Somewhat confident

Date of Birth

Unable to Work

$31,000 or above

Not at all confident State

Student

In the past 2 months, have you been charged a late fee on a loan or bill?*

How confident are you in your ability to achieve a financial goal you set for yourself today?*

City

Retired

Financial Information

See our Privacy Statement for more information.

Contact Information Middle Initial

Employment Status (mark all that apply)

Gross Annual Income

Please fill out the form below. This information will help us support you and connect you to other resources. All information will be kept safe and confidential.

First Name

Income Information

Not at all ready Somewhat ready Very ready

Additional Information How did you find out about our services? (mark all that apply) Community-Based Organization

Housing Information Housing Type

Renter

Owner

Other

Yes

Have you owned a home in the past 3 years?

Yes

Do you own any land or properties?

Other

Yes

Employer

Word of Mouth

Flyer

No If not, what other days/times would work best for you to meet?

Greene & Hale County Residents: Are you available to meet on Saturdays from 10:00 a.m.–1:30 p.m.? Yes

No If not, what other days/times would work best for you to meet?

Is there anything else you would like for us to know?

How long have you lived in your current home? How many people, including you, live in your home?

OFFICE USE ONLY Intake Date:

Other

Tuscaloosa County Residents: Are you available to meet with a coach on Thursdays 5:00–6:00 p.m.?

Participant Pin:

*Financial Capability Scale

OFFICE USE ONLY Intake Date:

Participant Pin:

*Financial Capability Scale

Liability Waiver For Participants The Participant acknowledges that they have had an opportunity to investigate the Program before executing this form and, knowing and understanding all risks associated with the Program, Participant nevertheless VOLUNTARILY AGREES TO ASSUME AND ACCEPT ALL RISKS that potentially accompany participation in the Program. Participant also agrees to take all reasonable steps to avoid any risks, injury, or death.

HomeFirst Program: Liability Waiver

HomeFirst: Community Participants December 3, 2019 Program: __________________________________________ E v en t D a t e ( s ) : _________________________

Participant: ________________________________________ Age (at the time of program):

19 or over

Purpose

This form is to be signed by each Participant (or the parent/guardian of any Participant under the age of 19) involved in the Program. In consideration for the educational, social, and other benefits to be provided, the receipt and adequacy of which is acknowledged, Participant agrees as follows.

Liability Release

Health Care and Emergencies

UA does not accept responsibility or liability for providing health care services or health care insurance for Participant. Participant should consult their own medical care provider, and warrants their physical fitness to participate in the Program to the extent the Program may cause mental or emotional stress, which may result in related medical conditions. Participant authorizes UA to obtain any necessary medical treatment for Participant while arriving at, during, or while leaving the Program. Participant agrees to be responsible for the payment of any fees and charges that may be imposed by any doctor or hospital facility in the provision of medical care to Participant. Further, Participant agrees to indemnify and hold UA harmless from any claim that may be made by a doctor of medical facility of said fees and charges incurred in the provision of medical care to Participant.

Conduct

THIS IS A RELEASE OF LIABILITY. Participant knowingly and voluntarily waives, releases, exculpates, and discharges UA and any related third party entities or contractors from and against any and all Potential Liabilities connected with the Program. By signing this form, the Participant voluntarily agrees to discharge UA and any related third party entities or contractors in advance from all such Potential Liabilities.

Participant agrees, for the duration of the Program, to abide by all applicable federal, state, and local laws as well as the rules and regulations for the Program. Participant also agrees to follow posted signs as well as instructions and directions of University officials and Program directors.

Indemnification

Photography

The Participant agrees to hold harmless and indemnify UA from and against Potential Liabilities related to or arising from Participant’s involvement in the Program.

Assumption of Risk

The Participant understands and acknowledges that there are risks, including significant risks, inherent in all activities that can result in loss, damages, injury, or death, including, without limitation: • Premises risks, including premises that may be owned by others including uneven surfaces, cracks, steps, wet floors, etc.; • Injury risks from falls, collisions, or accidents (such as cuts, bruises, torn muscles, sprains, broken bones, concussion, etc.); • Financial risks arising from any advice, opinions, suggestions, facts, data, or other information shared during the program and acted upon by you; • R i s k s f r o m o t h e r s involved in the Program such as transmitted illnesses or others’ actions; • Health risks, such as heart or respiratory events as well as other risks inherent in potentially stressful activities, including things identified as “injury risks” herein; • Equipment risks, including failure, misuse, inherent risks, and risks from UA or non-UA equipment; • Other risks and hazards beyond the control of UA, including criminal acts that can result in serious injury or death. Unique risks potentially related to the Program may include but are not limited to:

Financial loss, loss of opportunity, bad investments, and other risks associated with receiving financial information.

Participant acknowledges that photographs and possible videos may be taken and irrevocably and perpetually authorizes UA to broadcast these images. Participant releases and discharges UA from any potential claims related to the broadcast or use of their image, and any potential claims related to the work. Participant waives any right to inspect or approve the work or the broadcast of their image. This agreement shall be interpreted in accordance with applicable law. This is the entire agreement of the parties, and any changes must be in writing.

Definitions

The following terms have the stated meaning when used in this document: • Applicable Law – the laws of the State of Alabama, without regard to conflicts of laws provisions. UA does not waive, but reserves, all immunities, including Article I, section 14, of the Alabama Constitution. Claims against the University must be made to the State Board of Adjustment. To the extent not barred by immunity, nor required to be filed before the Board of Adjustment, exclusive venue and jurisdiction of all disputes shall lie in the state and federal courts of Tuscaloosa County, Alabama. • Broadcast - to use, reuse, broadcast, publish and/or copyright, in whole or in part, for advertising, promotion, publicity, trade, educational, commercial, merchandising, packaging, public relations and media purposes, in all media, worldwide without limitation, in perpetuity. • Image - image, picture, name, biographical information, voice, statements, recordings or interviews made by or attributable to the person who is appearing in the work, verbatim or otherwise, photographic portraits, drawings, visual representations, video tapes, motions pictures, or other use of likeness in whole or in part, and any reproductions thereof. • Participant – the person participating in the Program or any University employee (regular or temporary), 3rd party employee, student, or volunteer working in any capacity to facilitate or support the Program. If the Participant is under age 19 or is under some form of court-ordered guardianship or custodial arrangement, permission and acknowledgment by a parent/guardian is required.

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P o t e n t i a l L i a b i l i t i e s o r C l a i m s – any and all loss, injury, death, claims, actions, suits, proceedings, settlements, damages, costs, fees, and expenses, at law or equity, known and unknown, foreseen and unforeseen, including, but not limited to, attorney fees and costs of litigation, and liabilities arising out of, connected with, or resulting from the Participant’s involvement in the Program, such as medical expenses, other costs, injury, sickness, or death. Additionally, potential claims related to the use of the Participant’s image may refer to any liability, damages (compensatory or punitive), claims, or causes of action whatsoever, including, without limitation, claims for invasion of privacy, defamation of character or any alteration, distortion or illusionary effect, whether intentional or otherwise. Program – HomeFirst including all activities incidental or connected therewith, such as housing, dining, training, activities, and transportation. Programs may be held on or off University property. The terms of this document will apply regardless of Program location, including to and from the event(s). UA – The Board of Trustees of The University of Alabama (hereinafter referred to as “UA” or “University”), including The University of Alabama, affiliated foundations, and their respective trustees, officers, employees, agents, representatives and volunteers. Work – the finished product and any material used in connection therewith.

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Emergency Contact(s):

Name: _______________________________________________ Phone: ____________________________ Name: _______________________________________________ Phone: ____________________________

Acknowledgement

I, AS PARTICIPANT, ACKNOWLEDGE THAT I HAVE READ AND UNDERSTAND THIS ENTIRE DOCUMENT AND, RELYING WHOLLY UPON MY OWN JUDGMENT, BELIEF, AND KNOWLEDGE THE RISKS ASSOCIATED WITH THE PROGRAM, WHICH INCLUDE SIGNIFICANT INJURY OR DEATH, VOLUNTARILY AGREE TO EXECUTE THIS DOCUMENT AND PARTICIPATE IN THE PROGRAM. I ACKNOWLEDGE THAT NO ORAL REPRESENTATIONS, STATEMENTS, OR INDUCEMENTS HAVE BEEN MADE TO ME SEPARATE AND APART FROM THE TERMS OF THIS DOCUMENT. I VOLUNTARILY SIGN THIS AGREEMENT OF MY OWN FREE WILL FULLY INTENDING TO LEGALLY BIND MYSELF, MY HEIRS, SUCCESSORS, AND ASSIGNS TO ITS TERMS. Signature: ______________________________________ Date: ______________________________ Printed Name: ___________________________________ Phone: _____________________________ *If Participant i s un d e r t h e a g e o f 1 9 , a Parent/Guardian must execute this document.

Parent/Guardian Acknowledgement

THE SIGNING PARENT/GUARDIAN CERTIFIES THAT THEY ARE OVER THE AGE OF 19, HAS READ AND UNDERSTANDS THIS DOCUMENT, UNDERSTANDS THE RISKS, INCLUDING INJURY OR DEATH, ASSOCIATED WITH THE PROGRAM, IS VOLUNTARILY ALLOWING PARTICIPANT TO TAKE PART IN THE PROGRAM, HAS THE RIGHT TO SIGN ON BEHALF OF THE PARTICIPANT, IS SIGNING THIS DOCUMENT VOLUNTARILY, ACKNOWLEDGES THAT NO ORAL REPRESENTATIONS, STATEMENTS, OR INDUCEMENTS HAVE BEEN MADE SEPARATE AND APART FROM THE TERMS OF THIS DOCUMENT, AND AGREES TO ENTER INTO THE SAME, FULLY INTENDING TO LEGALLY BIND PARTICIPANT, HIS/HER HEIRS, SUCCESSORS, AND ASSIGNS TO THE TERMS OF THIS DOCUMENT. Parent/Guardian Signature: ____________________________________ D a t e : _______________________ P r i n t e d N a m e : _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ R e l ationship: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

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Liability Waiver For Student Coaches

HomeFirst Program: Liability Waiver

The Participant acknowledges that they have had an opportunity to investigate the Program before executing this form and, knowing and understanding all risks associated with the Program, Participant nevertheless VOLUNTAR ILY AGR EES TO ASSUME AND ACC EPT ALL R ISKS that potentially accompany participation in the Program. Participant also agrees to take all reasonable steps to avoid any risks, injury, or death.

HomeFirst: Service-Learning (Student Coaches) Aug. 22, 2019 - Nov. 21, 2019 Program: __________________________________________ E v en t D a t e ( s ) : _________________________

Participant: ________________________________________ Age (at the time of program):

19 or over

Purpose

This form is to be signed by each Participant (or the parent/guardian of any Participant under the age of 19) involved in the Program. In consideration for the educational, social, recreational, and other benefits to be provided, the receipt and adequacy of which is acknowledged, Participant agrees as follows.

Liability Release

Health Care and Emergencies

UA does not accept responsibility or liability for providing health care services or health care insurance for Participant. Participant should consult their own medical care provider, and warrants their physical fitness to participate in the Program. Participant authorizes UA to obtain any necessary medical treatment for Participant during the Program. Participant agrees to be responsible for the payment of any fees and charges that may be imposed by any doctor or hospital facility in the provision of medical care to Participant. Further, Participant agrees to indemnify and hold UA harmless from any claim that may be made by a doctor of medical facility of said fees and charges incurred in the provision of medical care to Participant. The Participant is required to provide the name(s) and contact number(s) for a parent, guardian, or other party that is a reliable contact in the event of emergencies.

Conduct

Indemnification

Photography

The Participant agrees to hold harmless and indemnify UA from and against Potential Liabilities related to or arising from Participant’s involvement in the Program.

Assumption of Risk

The Participant understands and acknowledges that there are risks, including significant risks, inherent in all activities that can result in loss, damages, injury, or death, including, without limitation: • Tr avel/tr af f ic r isks such as accidents, crashes, and risks from autos operated by UA or the Program as well as autos operated by other individuals or entities, poorly maintained roads, sidewalks, as well as criminal acts that can result in serious injury or death; • Pr e mise s r isks, including those that may be owned by others and risks from water, such as drowning; • Injury r isks from falls, collisions, or accidents (such as cuts, bruises, torn muscles, sprains, broken bones, concussion, etc.); • Out door r isks, such as weather, lightning, heat or cold, insect bites/stings, allergic reactions to plants, dehydration, hypothermia, drowning, sunburn, animals, and limited access to medical care; • R isks fr om oth er s involved in the Program such as transmitted illnesses or others’ actions; • He alth r isks, such as allergic reactions, heart or respiratory events as well as other risks inherent in any strenuous activities, including things identified as “injury risks” herein; • E quip ment r isks, including failure, misuse, inherent risks, and risks from UA or non-UA equipment; • Ot he r r isks and h azar ds beyond the control of UA, including criminal acts that can result in serious injury or death. Unique risks potentially related to the Program may include but are not limited to:

Definitions

The following terms have the stated meaning when used in this document: • Appl icabl e Law – the laws of the State of Alabama, without regard to conflicts of laws provisions. UA does not waive, but reserves, all immunities, including Article I, section 14, of the Alabama Constitution. Claims against the University must be made to the State Board of Adjustment. To the extent not barred by immunity, nor required to be filed before the Board of Adjustment, exclusive venue and jurisdiction of all disputes shall lie in the state and federal courts of Tuscaloosa County, Alabama. • B r oadcast - to use, reuse, broadcast, publish and/or copyright, in whole or in part, for advertising, promotion, publicity, trade, educational, commercial, merchandising, packaging, public relations and media purposes, in all media, worldwide without limitation, in perpetuity. • Imag e - image, picture, name, biographical information, voice, statements, recordings or interviews made by or attributable to the person who is appearing in the work, verbatim or otherwise, photographic portraits, drawings, visual representations, video tapes, motions pictures, or other use of likeness in whole or in part, and any reproductions thereof. • Par t icipant – the person participating in the Program or any University employee (regular or temporary), 3rd party employee, student, or volunteer working in any capacity to facilitate or support the Program. If

Awkward or inappropriate social interactions with participants including potential anger and violence.

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the Participant is under age 19 or is under some form of court-ordered guardianship or custodial arrangement, permission and acknowledgement by a parent/guardian is required. Pot e nt ial Liabilit ie s or C laims – any and all loss, injury, death, claims, actions, suits, proceedings, settlements, damages, costs, fees, and expenses, at law or equity, known and unknown, foreseen and unforeseen, including, but not limited to, attorney fees and costs of litigation, and liabilities arising out of, connected with, or resulting from the Participant’s involvement in the Program, such as medical expenses, other costs, injury, sickness, or death. Additionally, potential claims related to the use of the Participant’s image may refer to any liability, damages (compensatory or punitive), claims, or causes of action whatsoever, including, without limitation, claims for invasion of privacy, defamation of character or any alteration, distortion or illusionary effect, whether intentional or otherwise. HomeFirst: Service-Learning (Student Coaches) Pr og ram – __________________________________________ including all activities incidental or connected therewith, such as housing, dining, training, activities, and transportation. Programs may be held on or off University property and may require transit between two or more locations. The terms of this document will apply regardless of Program location, including to and from the event(s). UA – The Board of Trustees of The University of Alabama (hereinafter referred to as “UA” or “University”), including The University of Alabama, affiliated foundations, and their respective trustees, officers, employees, agents, representatives and volunteers. Wor k – the finished product and any material used in connection therewith.

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Emergency Contact(s):

Name: _______________________________________________ Phone: ____________________________ Name: _______________________________________________ Phone: ____________________________

Acknowledgement

I, AS PARTICIPANT, ACKNOWLEDGE THAT I HAVE R E A D A N D U N D E R S T A N D THIS ENTIRE D O C U M E N T A N D , R E L Y I N G W H O L L Y U P O N MY O W N J U D G M E N T , B E L I E F , A N D K N O W L E D G E THE RISKS ASSOCIATED WITH THE PROGRAM, WHICH INCLUDE SIGNIFICANT INJURY OR DEATH, VOLUNTARILY AGREE TO EXECUTE THIS DOCUMENT AND PARTICIPATE IN THE PROGRAM. I ACKNOWLEDGE THAT NO ORAL REPRESENTATIONS, STATEMENTS, OR I N D U C E M E N T S H A V E B E E N MADE TO ME SEPARATE AND APART FROM THE TERMS OF THIS DOCUMENT. I V O L U N T A R I L Y S I G N T H I S AGREEMENT OF MY O W N F R E E W I L L F U L L Y I N T E N D I N G T O L E G A L L Y B I N D MYSELF, MY HEIRS, SUCCESSORS, AND ASSIGNS TO ITS TERMS. Signature: ______________________________________ Date: ______________________________ Printed Name: ___________________________________ Phone: _____________________________ * I f Participant i s u n d e r t h e a g e o f 1 9 , a Parent/Guardian must execute this document.

Parent/Guardian Acknowledgement

T H E S I G N I N G P A R E N T / G U A R D I A N C E R T I F I E S T H A T THEY ARE O V E R T H E A G E O F 1 9 , H A S R E A D AND UNDERSTANDS THIS DOCUMENT, UNDERSTANDS THE RISKS, INCLUDING INJURY OR DEATH, ASSOCIATED WITH THE PROGRAM, IS VOLUNTARILY ALLOWING PARTICIPANT TO TAKE PART IN THE PROGRAM, HAS THE RIGHT TO SIGN ON BEHALF OF THE PARTICIPANT, IS SIGNING THIS DOCUMENT VOLUNTARILY, ACKNOWLEDGES THAT NO ORAL REPRESENTATIONS, STATEMENTS, OR INDUCEMENTS HAVE BEEN MADE SEPARATE AND APART FROM THE TERMS OF THIS DOCUMENT, AND AGREES TO ENTER INTO THE SAME, FULLY INTENDING TO LEGALLY BIND PARTICIPANT, HIS/HER HEIRS, SUCCESSORS, AND ASSIGNS TO THE TERMS OF THIS DOCUMENT. Parent/Guardian Signature: ____________________________________ D a t e : _______________________ P r i n t e d N a m e : _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ R e l ationship: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

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Privacy Statement

Participants

You May Opt Out If You Do Not Want Us To Share Your Information HomeFirst is committed to ensuring the privacy of individuals who are enrolled in our program. We understand that the matters you discuss with us are very personal. This document is designed to provide you information on how we protect your privacy, inform you about your rights, and tell you how we keep your information secure. Please review it carefully. If while reading it, you have any questions, or require clarification before signing, please let us know. In order to effectively serve you, we will need to collect some personal information. The types of personal information we may collect include: basic identifying information, contact information, demographic information, housing and income information, and records of all HomeFirst activities. We only have access to collect information that you voluntarily give us. This information may be provided to us orally, on the application or on other forms. We assure you that all the information shared both orally and in writing will be managed within legal and ethical considerations. We will not sell your personal information to anyone. We will only release your personal information to third parties with your consent.

Types Of Information We Gather About You • Spoken or written information we receive from you on the application, other forms, or meeting notes, such as basic identifying information, contact information, demographic information, housing and income information, and records of all HomeFirst activities. • Information we receive during HomeFirst financial coaching sessions, such as your credit history, debt information, savings goal progress, and more.

How We Use Your Information We use the personally identifiable information we collect about you to help us provide the services you have requested. Once we obtain personally identifiable information from you, we may not disclose it to any third party except as necessary in the course of performing our services, with your consent, or as permitted or required by law. Internally, we may use this information to provide case management and support, track individual program outcomes, produce reports about use of services, and provide accountability for individuals and entities that provide funding to HomeFirst. We may also collect, use, and share anonymous aggregated case file information to evaluate our services, to gather valuable research information, and to design future programs. Unless permitted or required by law, HomeFirst will only disclose your personally identifiable information to third parties with your written or verbal permission.

How We Store Your Information Your data may be stored both electronically and in physical paper copies. HomeFirst restricts access to information about you only to UA staff or student coaches who need to know that information in order to provide services to you. HomeFirst coaches in non-administrative roles must have a PIN number unique to each participant to view any electronic participant’s information. To the extent there are any, paper copies will be secured by UA staff or student coaches in locked file cabinets. We maintain physical, electronic and procedural safeguards to protect your information as required by federal and state law.

As a HomeFirst financial coach, you will make your best efforts to: • You may “opt-out” to prevent the disclosure of your personally identifiable information. • If you choose to “opt-out,” we may not be able to provide quality services to you. • If you wish to change your decision, you may opt out of any future contact from us at any time.

Participant Authorization I hereby authorize the release/exchange of my information to and from HomeFirst. I understand that the provision of services at HomeFirst is not contingent on my signing this authorization form. This consent is voluntary and is valid until such request is fulfilled. I may revoke this consent at any time except to the extent that action based on this consent has already been taken. I recognize that a copy or electronic reproduction of this form is as valid as the original.

HomeFirst coaches may answer questions and provide information, but may not give financial or legal advice. If financial or legal advice is required, you may want to refer participants for appropriate assistance.

By signing below I acknowledge that I have read (or have had read to me), understand, and will follow the details of this agreement. Participant Name: Participant Signature: Date:

Meeting Summary

Coaching Meeting Update

Coaching Meeting Update Additional Support Needed

Participant Initials:____________________________________________________________

Please describe any additional support your participant needs, including referrals or questions you were not able to answer. Do you have any questions or need additional support?

Coach Name:________________________________________________________________ Coaching Meeting Date: __________________ Meeting Status: ▢ Present

▢ Phone call

Duration of Meeting: _________________

▢ Rescheduled

▢ No-show

Date of Next Meeting: ____________________________ Parking Pass Given? ▢ Yes

▢ No

Action Steps and Goal Update Give a brief update on the action steps taken and any accomplishments or goals reached since your last meeting. How much has your participant saved toward their goal? Have they paid off any debt?

Next Steps Write down the action steps planned for your next meeting and what you plan to discuss during that meeting.

Meeting Summary Please write a brief summary of today’s coaching meeting. Be sure to include the module or focus area you worked on, as well as important information you want to remember or that would be helpful if another coach works with your participant in the future.

Next Meeting Which module does your participant want to complete at your next coaching meeting? Add any notes or reminders that will be helpful.

HomeFirst Meeting Update

Post-Program Assessment Post-Program Assessment

Savings Please estimate the amount of money you have saved at the conclusion of the program.

Participants

Thank you for your participation in the HomeFirst program. Please complete our Post-Program Assessment. This information will help us to further support and connect you to resources. All information will be kept safe and confidential. Please note we may use some of this information to evaluate our services, gather valuable research information, and to design future programs. See our Privacy Statement for more information.

Which of the following purposes, if any, are you saving money for? Retirement

Home purchase

College

Pay off debts

Emergencies

Car purchase

Child/family

Other

How frequently do put money aside for savings? Never

1–2 times per year

Every 1–2 months

Has this increased since enrolling in HomeFirst?

Financial Information Do you currently have a personal budget, spending plan, or financial plan?* Yes

In the past two months, have you been charged a late fee on a loan or bill?*

Yes

How confident are you in your ability to achieve a financial goal you set for yourself today?*

Yes

Somewhat confident If you had an unexpected expense or someone in your family lost a job, got sick or had another emergency, how confident are you that your family could come up with money to make ends meet within a month?*

Very confident

Little

Some

A lot

Money Management What steps have you taken over the last three months to improve cash flow?

Both

Savings only

I have contacted a service provider or loan holder to lower my payment or monthly bill. I have contacted a service provider or loan holder to change the date a bill is due.

Very bad

Bad

Average

Good

Very good

Unsure

I have reduced spending in order to make my budget work better. I have created a budget to better understand my income and expenses. I have increased or plan to increase my income. I have taken other steps to improve cash flow or budget. I have not taken any steps to improve my cash flow or budget.

Have a manageable amount of debt

Do you currently have an automatic deposit or electronic transfer set up to put money away for a future use (such as savings)?*

Have a bit more debt than is manageable Have far more debt than is manageable Do not have any debt

Since starting HomeFirst, do you feel more knowledgeable about your income and expenses? I feel more knowledgeable about my income and expenses. My knowledge is unchanged.

How ready (prepared) are you to buy a home?

Over the past month, would you say your family’s spending on living expenses was less than its total income?* Yes

Checking only

As of today, which of the following statements describes how manageable your household debt is?

Somewhat confident

None

Please check all that apply:

How would you rate your current credit record?

Not at all confident

Yes

Do you currently have a bank account?

Very confident

Please rate your progress toward reaching your savings goal.

In the past three months, have you taken a cash advance on a paycheck, payday loan, etc?

Not at all confident

Yes

Twice a month

Not at all ready

Since starting Homefirst, how confident do you feel in your ability to manage your money?

Somewhat ready

I am very confident in my ability to manage my money.

Very ready

I feel the same as before I started HomeFirst.

*Financial Capability Scale

Access to Banking

Homebuyer Readiness After completing the HomeFirst program, how confident do you feel in the homebuying process? I feel more confident in the homebuying process.

Have you opened (or do you plan to open) a new bank account? I have opened or plan to open a SAVINGS account.

My confidence in the homebuying process is the same as when I started.

I have opened or plan to open a CHECKING account.

I would like to learn more about the homebuying process.

I have not opened and do not plan to open a new bank account. Please rate your progress toward preparing to purchase your first home. None

Credit Profile Somewhat confident

Very confident

How confident are you in your ability to improve your credit score in the future? Not at all confident

Somewhat confident

0–6 months

7–12 months

1–2 years

2 or more years

Program Referrals Are you interested in connecting with any of the following programs in the future? United Way IDA (matched savings)

Yes

Need more info

HUD-certified housing counseling

Yes

Need more info

Paid bills on time

Disputed inaccurate information

Lowered credit usage

Paid off debts

Opened secured line of credit

Changed spending habits

Has your credit score improved over the last three months? No

A lot

Very confident

What steps have you taken, if any, to improve your credit report?

Yes

Some

When do you feel you will be financially prepared for homeownership?

How confident are you in understanding your credit report? Not at all confident

Little

Unchanged

Level of Debt Please estimate the amount of money you have saved at the conclusion of the program. $

City of Tuscaloosa Down Payment Assistance

Yes

Need more info

SaveFirst (free tax preparation)

Yes

Need more info

Step-Up Program (down payment assistance)

Yes

Need more info

Habitat for Humanity of Tuscaloosa

Yes

Need more info

HomeFirst Program Involvement Are you interested in continued involvement in the HomeFirst program during Spring 2020? Yes

Think about the types of debt you have. Please check all that apply to you below: Student loan

Medical debt

Back taxes

Auto loan

Credit card debt

Debts in collection

Installment loan

Payday loan

Friends & family

Line of credit

Auto-title loan

_______________

Unsure

If yes, how often would you be interested in meeting? 1 time per week

1 time every other week

1 time per month

Other: _______________

How likely are you to refer a friend or family member to HomeFirst? Not at all likely

Somewhat likely

Very likely

If you added up all your debts, how much would you owe? Under $5,000

$15,000–$19,999

$50,000–$75,999

$5,000–$9,999

$20,000–$24,999

$76,000–$100,000

$10,000–$14,999

$25,000–$49,999

Over $100,000

Additional Comments

What amount of progress do you feel you are making toward paying down debt? None

Little

Some

A lot

Thank you for completing the HomeFirst Program Assessment. We will follow up with you in the next three months to check in on you and to see if there is any support we may be able to provide. In the meantime, feel free to reach out to us beforehand with any questions or comments.

EP O R S R

EFIR M S O

METRIC

Appendix B

Intake Data Set Cohort A Demographic Information

Housing Information

Income Information

Participant #

Date of Birth

Gender

Race

Ethnicity

Marital Status

Highest Level of Education

Housing Type

Have you owned a home in the past 3 years?

Do you own any land or properties?

How long have you lived in your current home?

Number of people, including you, living in current home?

Employment Status

Gross Annual Income (Tuscaloosa & Hale County)

Gross Annual Income (Greene County)

1 2 3

12/10/77 10/27/90 7/3/87

Female Female Female

Black Black Black

African-American African-American African-American

Single Single Separated

Some College Some High School Some College

Renter Renter Other

No No No

3 (months or years?) 6 years 3 months

2 6 4

Full-Time Full-Time Part-Time; Student

Below $66,900 Below $66,900 Below $66,900

5/22/92

Female

Black

African-American

Single

Master's Degree or Above

Renter

1 year

Full-Time

Below $66,900

10/18/79

Female

Black

African-American

Single

High School Diploma/GED

Renter

6 years

Full-Time

Below $66,900

2/15/60

Female

Black

Widowed

Technical/Vocational Training

Renter

2 years

N/A

Unable to Work

Below $66,900

7 8 9 10

3/24/91 12/8/46 4/8/71 10/14/65

Male Female Female Female

Black Black Black Black

African-American African-American African-American African-American

Single Single Single Single

High School Diploma/GED High School Diploma/GED Some College Some High School

Renter Renter Renter Renter

No No No No

No No No Yes

1 year 12 years 2 months 5 years, 9 months

2 1 5 3

Full-Time Unable to Work Part-Time Unable to Work

Below $66,900 Below $66,900 Below $66,900 Below $66,900

Black

Bachelor's Degree

2 years

Full-Time

Do you currently have a personal How confident are you in your ability budget, spending plan, or financial to achieve a financial goal you set for plan? yourself today? No Somewhat confident Yes Somewhat confident Yes Somewhat confident

If you had an unexpected expense or someone in your family lost a job, got sick or had another emergency, how confident are you that your family could come up with the money to make ends meet within a month? Somewhat confident Very confident Not at all confident

Very confident

Somewhat confident

Very confident

Not at all confident

Very confident

No No No Yes

Somewhat confident Very confident Somewhat confident Very confident

Somewhat confident Not at all confident Somewhat confident Somewhat confident Not at all confident

9/25/87

Female

African-American

Single

Renter

Below $66,900

Yes

Not at all confident

12 13

11/3/84 7/9/68

Female Female

Black Black

African-American African-American

Single Widowed

Some High School Bachelor's Degree

Renter Owner

No Yes

1 year 30 years

3 2

Full-Time Unable to Work

Below $66,900 -

$31,000 or above

No Yes

Somewhat confident Somewhat confident

Very confident Not at all confident

2/11/50

Female

Black

African-American

Divorced

Some High School

Renter

10 years

Unable to Work

Below $66,900

Very confident

Not at all confident

Financial Information

Do you currently have an automatic deposit or electronic transfer set up to put money away for a future use (such as savings)? Yes Yes No

Yes Yes No

In the past 2 months, have you been charged a late fee on a loan or bill? No No No

In the past 3 months, have you taken a cash advance on a paycheck, payday loan, etc.? No No Yes

Yes

No No No No

Over the past month, would you say your family's spending on living expenses was less than its total income?

How would you rate your current credit record?

Checking and Savings Checking and Savings Checking and Savings

Average Bad Bad

Checking and Savings

Average

Have far more debt than is manageable

Yes

Checking and Savings

Bad

Have a bit more debt than is manageable

Checking only

Bad

Have far more debt than is manageable

Yes Yes No Yes

No No No No

Checking and Savings Checking and Savings Checking Only No

Average Unsure Bad Good

Have a manageable amount of debt Do not have any debt (Due to bankruptcy) Have a bit more debt than is manageable Have a bit more debt than is manageable

Yes

Checking only

Bad

Have far more debt than is manageable

Yes No

No No

No Yes

No No

Checking and Savings Checking and Savings

Bad Average

Yes

Checking only

Bad

Yes

Additional Information

As of today, which of the following statements How ready (prepared) are you describes how manageable your household to buy a home? debt is? Have a manageable amount of debt Somewhat ready Have far more debt than is manageable Very ready Have a bit more debt than is manageable -

Do you currently have a bank account?

(Tuscaloosa County Residents) Are you (Greene & Hale County Residents) Are you If not, what other days and times would work available to meet with a coach on Thursdays available to meet with a coach on Saturdays best for you to meet? from 5:00 - 6:00 p.m.? from 10:00 a.m. - 1:30 p.m.? Yes Yes No Monday - Friday at 1:30 p.m.

How did you find out about our services? Flyer Other (Habitat for Humanity) Employer

Participant Documentation Is there anything else you would like for us to know?

Privacy Statement Signed?

Financial Coaching Services Authorization Signed?

Liability Waiver Signed?

✓ ✓ ✓

✓

Employer

Yes

Not at all ready (Financially)

Employer

Yes

Somewhat ready/Very ready

Community-Based Organization

Yes

Word of Mouth Community-Based Organization Word of Mouth Word of Mouth

Yes Yes No Yes

Unsure (works in retail) -

Community-Based Organization

Yes

Have a manageable amount of debt Have far more debt than is manageable

Very ready Somewhat ready Very ready Not at all ready (Financially; but willing to work and learn) Very ready Somewhat ready

PS Student Loan Forgiveness/DCH/USDA Rural McCalla Compassion Fund I'm in very much need of getting out of this apt. due to my health says my doctors. Work schedule varies -

Employer Word of Mouth

Yes Yes

Have far more debt than is manageable

Somewhat ready

Community-Based Organization

Yes

✓

✓ ✓ ✓ ✓

✓

"Remind me of my appointment; Have you ordered anything since August 13/Casinos"

✓ ✓

✓

Cohort B Demographic Information

Housing Information

Income Information

Participant #

Date of Birth

Gender

Race

Ethnicity

Marital Status

Housing Type

Have you owned a home in the past 3 years?

Do you own any land or properties?

How long have you lived in your current home?

Number of people, including you, living in current home?

Employment Status

Gross Annual Income (Tuscaloosa & Hale County)

Gross Annual Income (Greene County)

Do you currently have an automatic deposit or electronic transfer set up to put money away for a future use (such as savings)?

3/18/66

Female

Black

Single

Associate's Degree

Renter

Other

2 years

Daughter

Part-Time

Below $66,900

Yes

Not at all confident

Very confident

Yes

16 17 18 19 20 21 22

4/22/92 11/3/51 9/18/80 10/13/60 11/14/74 12/8/55 9/16/88

Female Female Female Female Male Female Female

Black Black White Black Black Black African-American

Non Hispanic/African-American -

Single Divorced Single Married Married Single Single

Master's Degree or Above Bachelor's Degree Some High School Associate's Degree Associate's Degree Some College Bachelor's Degree

Other (Living with parents) Renter Renter Renter Renter Other (Living with parents) Renter

No No No No No (Other) No

No Yes (1st home burned, still have land) No Yes Yes No No

26 years 2 years, 1 month 6 years 6 years 45 years 1 year

6 2 (Used to be 9) 2 2 2 2 2

Full-Time Part-Time Self-Employed Full-Time Unable to Work Unable to Work Full-Time

Below $66,900 Below $66,900 Below $66,900 Below $66,900 Below $66,900 Below $66,900 Below $66,900

No Yes Yes No No No No

Very confident Very confident Somewhat confident Very confident Very confident Very confident Somewhat confident

Somewhat confident Not at all confident Very confident Not at all confident Not at all confident Somewhat confident Not at all confident

No Yes No Yes Yes Yes No

3/26/78

Female

Black

Single

Associate's Degree

Renter

10 years

Full-Time

Below $66,900

Somewhat confident

Very confident

Yes

24 25 26 27

1/29/57 6/19/76 4/7/68 8/21/70

Female Female Female Female

Black Black Black White

African-American -

Divorced Married Single Single

Some College Some College Some College High School Diploma/GED

Renter Renter Other Renter

No No No No

2 years 1 year 1 year 2 years

2 4 1 2

Retired (Medical) Unable to Work Full-Time Full-Time

Below $66,900 Below $66,900 Below $66,900 Below $66,900

No No No Yes

Very confident Somewhat confident Somewhat confident Somewhat confident

Somewhat confident Somewhat confident Somewhat confident Very confident

No No No No

Financial Information

Highest Level of Education

Do you currently have a personal How confident are you in your ability budget, spending plan, or financial to achieve a financial goal you set for plan? yourself today?

Additional Information

Participant Documentation

In the past 2 months, have you been charged a late fee on a loan or bill?

In the past 3 months, have you taken a cash advance on a paycheck, payday loan, etc.?

Do you currently have a bank account?

How would you rate your current credit record?

As of today, which of the following statements describes how manageable your household debt is?

How ready (prepared) are you to buy a home?

How did you find out about our services?

Yes

Checking and Savings

Average

Have a bit more debt than is manageable

Very ready

Community-Based Organization

Yes

Want to be ready to buy/Buried credit

✓

Yes No Yes No No Yes Yes

No No No No No No Yes

No No No No No No No

Checking and Savings Checking and Savings Checking only Checking and Savings Checking and Savings Checking and Savings Checking and Savings

Good Average Average Bad Unsure Good Bad

Have a manageable amount of debt Have a bit more debt than is manageable Have a bit more debt than is manageable Do not have any debt Do not have any debt Have a bit more debt than is manageable Have far more debt than is manageable

Very ready Very ready (getting things in order) Somewhat ready Very (However, must be financially ready) Very (However, must be financially ready) Somewhat ready Not at all ready

Community-Based Organization Community-Based Organization Employer/Word of Mouth Community-Based Organization Community-Based Organization Community-Based Organization Word of Mouth

Yes Yes Yes Yes Yes Yes Yes (5:30)

✓ ✓ ✓ ✓ ✓ -

Yes

Checking and Savings

Unsure

Have a manageable amount of debt

Somewhat ready

Flyer

Yes

Yes Yes Yes No

No No No No

Checking and Savings Checking and Savings Savings only Checking and Savings

Unsure (Chp. 13 first; Just came out of Chp. 7) Unsure Bad Average

Have a manageable amount of debt Have a manageable amount of debt Do not have any debt Have a manageable amount of debt

Not at all ready (Financially) Not at all ready Not at all ready Very ready

Community-Based Organization Community-Based Organization Community-Based Organization Employer

Yes Yes Yes Yes

FES Score - 6 Side door for entry Next appointment 8/26 at 3:00 p.m.; called 9/6/19, scheduled for 9/12 Savings/Money Management (Sept. 12) Just starting out - husband will come too Top priority is to increase her credit score -

Over the past month, would you say your family's spending on living expenses was less than its total income?

Financial Inform

(Tuscaloosa County Residents) Are you (Greene & Hale County Residents) Are you If not, what other days and times would work Is there anything else you would like for us to available to meet with a coach on Thursdays available to meet with a coach on Saturdays best for you to meet? know? from 5:00 - 6:00 p.m.? from 10:00 a.m. - 1:30 p.m.?

Privacy Statement Signed?

Financial Coaching Services Authorization Signed?

Liability Waiver Signed?

✓

✓ ✓ ✓ ✓

Cohort C Demographic Information

Housing Information

Income Information

Race

Ethnicity

Marital Status

Highest Level of Education

Housing Type

Have you owned a home in the past 3 years?

Do you own any land or properties?

How long have you lived in your current home?

Number of people, including you, living in current home?

Employment Status

Gross Annual Income (Tuscaloosa & Hale County)

Gross Annual Income (Greene County)

Do you currently have a personal budget, spending plan, or financial plan?

How confident are you in your ability to achieve a financial goal you set for yourself today?

8/23/87 5/7/76 1/31/62 3/24/56

Female Female Female Female

Black Black African-American Black

Black -

Single Single Separated Single

Some High School High School Diploma/GED High School Diploma/GED High School Diploma/GED

Renter Other (Staying with mom) Renter Renter

No No No No

6 years Since December (9 months) Since '05 (14 years) 3 years

3 6 4 1

Full-Time Unable to work Full-Time Unable to Work

Below $66,900 Below $66,900 Below $66,900 Below $66,900

No Yes No

Not at all confident Very confident Very confident Very confident

Somewhat confident Somewhat confident Somewhat confident Not at all confident

11/5/76

Female

African-American

Single

Bachelor's Degree

Renter

6 years

Part-Time

Below $66,900

Very confident

Not at all confident

7/10/86

Female

Black

Christian

Single

Associate's Degree

Renter

2 years

Full-Time

Below $66,900

Yes

Very confident

3/26/78

Female

Black

Single

Associate's Degree

Renter

10 years

Full-Time

Below $66,900

Somewhat confident

Very confident

7/13/60

Female

Single

Some College

Renter

5 years

Full-Time

Below $66,900

Very confident

Somewhat confident

Participan t# 28 29 30 31

Date of Birth Gender

Financial Information

Very confident

Additional Information

Participant Documentation

Do you currently have an automatic deposit or electronic transfer set up to put money away for a future use (such as savings)?

Over the past month, would you say your family's spending on living expenses was less than its total income?

In the past 2 months, have you been charged a late fee on a loan or bill?

In the past 3 months, have you taken a cash advance on a paycheck, payday loan, etc.?

Do you currently have a bank account?

How would you rate your current credit record?

As of today, which of the following statements describes how manageable your household debt is?

How ready (prepared) are you to buy a home?

How did you find out about our services?

(Tuscaloosa County Residents) Are you available to meet with a coach on Thursdays from 5:00 - 6:00 p.m.?

(Greene & Hale County Residents) Are you available to meet with a coach on Saturdays from 10:00 a.m. - 1:30 p.m.?

If not, what other days and times would work best for you to meet?

Is there anything else you would like for us to know?

Privacy Statement Signed?

Financial Coaching Services Authorization Signed?

Liability Waiver Signed?

No Yes No No

No No Yes No

Yes No No Yes

No Yes No No

Checking only Checking and Savings Checking and Savings Checking and Savings

Average Average & Unsure Average Unsure

Have a manageable amount of debt Have far more debt than is manageable Have a manageable amount of debt Have a bit more debt than is manageable

Somewhat ready Somewhat ready Very ready Not at all ready

Community-Based Organization Community-Based Organization Community-Based Organization Community-Based Organization

No No No No

Tuesdays at 9:00 Any day around 9:30 a.m. Off Monday, Wednesday, Friday -

✓ ✓ ✓ ✓

Yes

Checking and Savings

Good

Have a bit more debt than is manageable

Very ready

Community-Based Organization

Yes

Hard worker/Manage money CAPS, target, SSA after 3:30 on 9/6, (9th, 10th, 13th after 3:30 p.m.)

✓

Yes

Checking and Savings

Average

Have a bit more debt than is manageable

Very ready

Yes

Checking and Savings

Yes

Checking and Savings

Community-Based Organization

Yes

Unsure

Have a manageable amount of debt

Unsure

Have a bit more debt than is manageable

Somewhat ready

Flyer

Yes

Somewhat ready

Community-Based Organization

Mornings

Credit score, dealing with debt, IDA program; 2nd appointment 8/26 at 9:30 a.m.; currently in school at Lawson State Next appointment 8/26 at 3:00 p.m.; call 9/6/19 scheduled for 9/12 -

✓

Greene County Demographic Information Date of Birth Participant # 2/16/77 45 46 1/21/45 47 48

Housing Information

Income Information Do you currently have a personal How confident are you in your ability budget, spending plan, or financial to achieve a financial goal you set for yourself today? plan?

Gender

Race

Ethnicity

Marital Status

Highest Level of Education

Housing Type

Have you owned a home in the past 3 years?

Do you own any land or properties?

How long have you lived in your current home?

Number of people, including you, living in current home?

Employment Status

Gross Annual Income (Tuscaloosa & Hale County)

Gross Annual Income (Greene County)

Female -

Black Black/AfricanAmerican Black/AfricanAmerican

Black -

Single Widowed

Some College -

Renter Renter

No No

18 years 40 years

3 -

Part-Time Unable to Work

Below $31,000 Below $31,000

Yes No

Very confident Somewhat confident

Not Hispanic

Single

Some College

Other

5 years

Full-Time

Below $31,000

Yes

Very confident

Not Hispanic

Single

Some College

Renter

5 years

Full-Time

Below $31,000

Very confident

Other (Live with mother) Renter Renter Renter Renter Renter Renter Renter Owner Renter Renter

28 years

Full-Time

Below $66,900

Very confident

No No No No No No No No No No

Other No No No No No No No No No

8 months 3 years 9 years 8 years 10 years 44 years 7 years 2 years, 6 months 4 years 10 years

1 2 2 6 7 3 3 1 6 3

Full-Time Full-Time Full-Time Part-Time Unemployed Unable to Work Full-Time Unemployed Part-Time

Below $31,000 Below $31,000 Below $31,000 Below $31,000 Below $31,000 Below $31,000 Below $31,000 Below $31,000

No Yes No No No No Yes No No No

Very confident Very confident Very confident Somewhat confident Very confident Very confident Very confident Very confident Very confident Very confident

Somewhat confident Somewhat confident Somewhat confident Somewhat confident Very confident Very confident Very confident Somewhat confident Somewhat confident Very confident

5/21/00

Male

11/4/78

Female

If you had an unexpected expense or someone in your family lost a job, got sick or had another emergency, how confident are you that your family could come up with the money to make ends meet within a month? Very confident Somewhat confident Somewhat confident Very confident

49 50 51 52 53 54 55 56 57 58 59

12/17/90

Female

Black

Single

High School Diploma/GED

2/25/64 10/2/74 8/26/80 5/11/81 9/7/77 11/8/54 10/11/75 11/18/66 9/16/76 11/15/68

Female Female Female Female Female Female Female Female Female Female

Black Black Black Black Black Black African-American Black Black Black

African-American American African-American -

Single Married Single Single Single Single Single Single Single Single

Some College Some College Some High School High School Diploma/GED Some College Associate's Degree Technical/Vocational Training Some High School High School Diploma/GED

60 61 62 63 64 65 66

11/26/75

Female

Black

Single

High School Diploma/GED

Renter

(All my life)

Unemployed/Unable to Work

Below $31,000

Very confident

4/27/78 12/26/77 7/6/80 8/27/87 7/14/78

Female Female Female Female Female

Black Black Black African-American Black

NH -

Widowed Separated Single Married Single

High School Diploma/GED High School Diploma/GED Some College Master's Degree or Above High School Diploma/GED

Renter Renter Renter Renter Renter

No No No No No

8 years 6+ 3 4 years, 11 months 8 years

2 3 4 5 4

Unemployed Full-Time Part-Time Unemployed Full-Time

Below $31,000 Below $31,000 Below $31,000 $31,000 or above Below $31,000

Yes No No No No

Very confident Very confident Somewhat confident Somewhat confident Very confident

Very confident Somewhat confident Not at all confident Somewhat confident Somewhat confident

10/22/75

Female

Black

Divorced

High School Diploma/GED

Renter

8 years

Unemployed

Below $31,000

Very confident

Somewhat confident

5/3/80 8/2/19

Female

Black

Single Widowed

Master's Degree or Above Some College

Renter

No No

39 ? 5 years

5 2

Full-Time Unemployed

Below $31,000

No Yes

Somewhat confident Very confident

67 68 69

Financial Information

Additional Information

Participant Documentation

Do you currently have an automatic deposit or electronic transfer set up to put money away for a future use (such as savings)?

Over the past month, would you say your family's spending on living expenses was less than its total income?

In the past 2 months, have you been charged a late fee on a loan or bill?

In the past 3 months, have you taken a cash advance on a paycheck, payday loan, etc.?

Do you currently have a bank account?

How would you rate your current credit record?

As of today, which of the following statements describes how manageable your household debt is?

How ready (prepared) are you to buy a home?

How did you find out about our services?

Privacy Statement Signed?

Financial Coaching Services Authorization Signed?

Yes No

No Yes

Yes No

No No

Checking and Savings Checking only

Bad Bad

Have a manageable amount of debt Have far more debt than is manageable

Very ready Not at all ready

Community-Based Organization Other

(Greene & Hale County Residents) Are you (Tuscaloosa County Residents) Are you If not, what other days and times would work Is there anything else you would like for available to meet with a coach on Thursdays available to meet with a coach on Saturdays best for you to meet? us to know? from 5:00 - 6:00 p.m.? from 10:00 a.m. - 1:30 p.m.? -

Yes Yes

✓ -

✓ ✓

✓ -

Yes

Very good/Unsure

Have a bit more debt than is manageable

Somewhat ready

Word of Mouth

Yes

✓

Yes

Checking and Savings

Very bad

Have far more debt than is manageable

Very ready

Community-Based Organization

Yes

✓

Yes

Checking and Savings

Very bad

Have a manageable amount of debt

Somewhat ready

Word of Mouth

Yes

✓

Yes Yes No No No No Yes Yes No No

Yes No No No Yes Yes Yes No No No

No Yes Yes No Yes No No No No

No Yes No No No No No No No No

Checking and Savings No No Checking only No Checking only Checking and Savings No No

Unsure Bad Average Unsure Average Average Average Average Good Good

Have a manageable amount of debt Have a manageable amount of debt Have a bit more debt than is manageable Have a bit more debt than is manageable Have a manageable amount of debt Have a manageable amount of debt Have a manageable amount of debt Do not have any debt Have a manageable amount of debt

Somewhat ready Somewhat ready Very ready Not at all ready Very ready Very ready Very ready Very ready Very ready Very ready

Word of Mouth Word of Mouth Community-Based Organization Community-Based Organization Community-Based Organization Community-Based Organization Community-Based Organization Flyer Community-Based Organization Community-Based Organization

No Yes -

Yes Yes No Yes Yes Yes Yes Yes Yes Yes

10:00 - 12:00 -

How long is the process to be able to get a certificate? I'm not currently employed, but I am seeking full-time employment -

✓ ✓ ✓ ✓ ✓ ✓

✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓

✓ ✓ ✓ ✓

✓

✓ ✓ ✓ ✓

✓ ✓ ✓ ✓ ✓

✓ ✓ ✓ ✓

✓

✓ ✓

✓

Very bad

Very ready

Community-Based Organization

Yes

Yes No No No No

Yes No No No Yes

Yes Yes Yes Yes No

No No No No No

Checking and Savings Checking only Checking only Checking only Savings only

Very bad Unsure Bad Very bad Average

Have a bit more debt than is manageable Have a manageable amount of debt Have a bit more debt than is manageable Have a bit more debt than is manageable Have a bit more debt than is manageable

Somewhat ready Somewhat ready Very ready Not at all ready Somewhat ready

Word of Mouth (Referred by Joycelyn ) Community-Based Organization Employer Word of Mouth (Mrs. Lewis) Community-Based Organization Other

Yes Yes Yes Yes (But it may not be every Saturday) Yes Yes

Yes

Checking only

Bad

Have a bit more debt than is manageable

Not at all ready

Other

Yes

No Yes

Yes No

No Yes

Checking and Savings -

Good Bad

Have a manageable amount of debt Have a bit more debt than is manageable

Somewhat ready (financially) Not at all ready

Word of Mouth Community-Based Organization

Yes

Liability Waiver Signed?

Hale County Demographic Information Participan t#

36 37 38 39 40 41 42 43 44

Housing Information

Income Information

Race

Ethnicity

Marital Status

Highest Level of Education

Housing Type

Have you owned a home in the past 3 years?

Do you own any land or properties?

How long have you lived in your current home?

Number of people, including you, living in current home?

Employment Status

Gross Annual Income (Tuscaloosa & Hale County)

Gross Annual Income (Greene County)

Do you currently have a personal budget, spending plan, or financial plan?

How confident are you in your ability to achieve a financial goal you set for yourself today?

7/5/86 1/20/78

Female Female

African-American Black

Black -

Single Single

High School Diploma/GED Associate's Degree

No No

10 months 5 years

2 6

Full-Time Full-Time

Below $66,900 Below $66,900

No Yes

Somewhat confident Very confident

Not at all confident Somewhat confident

7/21/93

Female

Black

Single

High School Diploma/GED

(See above)

4 years

Full-Time

Below $66,900

Somewhat confident

Very confident

11/25/88 2/19/93 1/19/73

Female Female Female

Black Black Black

African-American Non-Hispanic -

Single Single Separated

High School Diploma/GED High School Diploma/GED Some College

Renter Renter Other (Inherited a trailer, still in mom's name) Owner Owner Renter

Yes Yes No

No Yes No

4 years 3.5 months 5 years

5 4 3

Full-Time Full-Time Full-Time

Below $66,900 Below $66,900 Below $66,900

Yes No No

Very confident Very confident Very confident

Very confident Somewhat confident Not at all confident

6/24/76

Female

Black

Single

Some College

Renter

5 years

Full-Time

Below $66,900

Very confident

Somewhat confident

4/14/64

Female

African-American

Married

Some High School

Renter

8-9 years

Unable to Work

Below $66,900

Very confident

11/25/82

Female

Black

Single

High School Diploma/GED

Renter

10 years

Date of Birth Gender

Financial Information

Additional Information

Do you currently have an automatic deposit or electronic transfer set up to put money away for a future use (such as savings)?

Over the past month, would you say your family's spending on living expenses was less than its total income?

In the past 2 months, have you been charged a late fee on a loan or bill?

In the past 3 months, have you taken a cash advance on a paycheck, payday loan, etc.?

Do you currently have a bank account?

How would you rate your current credit record?

As of today, which of the following statements describes how manageable your household debt is?

How ready (prepared) are you to buy a home?

How did you find out about our services?

(Tuscaloosa County Residents) Are you available to meet with a coach on Thursdays from 5:00 - 6:00 p.m.?

No Yes

Yes Yes

Yes No

Savings only Checking and Savings

Bad Bad

Have a manageable amount of debt Have a bit more debt than is manageable

Not at all ready Somewhat ready

Community-Based Organization

Participant Documentation

(Greene & Hale County Residents) Are you available to meet with a coach on Saturdays from 10:00 a.m. - 1:30 p.m.?

If not, what other days and times would work best for you to meet?

Is there anything else you would like for us to know?

Privacy Statement Signed?

Financial Coaching Services Authorization Signed?

L iability Waiver Signed?

✓ ✓ ✓ FCS Yes Score - 6. I've started working on my credit but - not sure the next steps other than getting my debt ratio down. Paying on time with the✓bills I have. $1,200 in savings ✓ for down payment.✓

Yes

Checking and Savings

Average

Have a manageable amount of debt

Not at all ready

Community-Based Organization

Yes

✓

No No No

No Yes No

No Yes Yes

Checking only Savings only Checking only

Average Bad Bad

Have a manageable amount of debt Do not have any debt Have a manageable amount of debt

Not at all ready Somewhat ready Not at all ready

Employer Employer Community-Based Organization

Yes Yes Yes

✓ ✓ -

Yes

Checking and Savings

Average

Have a manageable amount of debt

Very ready

Community-Based Organization

Yes

Savings only

Unsure

Have a manageable amount of debt

Very ready

Community-Based Organization

✓

Has been approved for 2 loans, but didn't complete transactions She is hesitant to commit to 3 Saturdays, but will come on 8/31. The 14th, she may have a conflict. -

✓ ✓ -

Yes

✓

Other Demographic Information

Housing Information

Income Information

Ethnicity

Marital Status

Highest Level of Education

Housing Type

Have you owned a home in the past 3 years?

Do you own any land or properties?

How long have you lived in your current home?

Number of people, including you, living in current home?

Employment Status

Gross Annual Income (Greene County)

Do you currently have a personal budget, spending plan, or financial plan?

5/9/95

Female

Black

Single

High School Diploma/GED

Renter

3 years

Full-Time

Below $66,900

Yes - Savings Box

71 72 73 74 75

1/23/78

Female

Black

Married

Renter

Yes

8 years - since 2011

Unable to Work

Below $66,900

Yes

Very confident

9/4/80 2/29/68 5/6/90 5/30/77

Female Male Female Female

Black Black Black Black

Divorced Married Single Married

High School Diploma/GED Some College Associate's Degree

Other Renter Renter

No No No

Since May 2019 3 years 10 years

8 3 5

Full-Time Unemployed Full-Time

Below $66,900 Below $66,900 Below $66,900

No No Yes

Not at all confident Very confident Somewhat confident

N/A - In that situation now Somewhat confident Very confident

Date of Birth Gender

Gross Annual Income (Tuscaloosa & Hale County)

Financial Information

How confident are you in your ability to achieve a financial goal you set for yourself today?

Race

Participan t#

Very confident

Additional Information

Do you currently have an automatic deposit or electronic transfer set up to put money away for a future use (such as savings)?

Over the past month, would you say your family's spending on living expenses was less than its total income?

In the past 2 months, have you been charged a late fee on a loan or bill?

In the past 3 months, have you taken a cash advance on a paycheck, payday loan, etc.?

Do you currently have a bank account?

How would you rate your current credit record?

As of today, which of the following statements describes how manageable your household debt is?

How ready (prepared) are you to buy a home?

How did you find out about our services?

Yes

Checking and Savings

Very bad

Have a bit more debt than is manageable

Not at all ready

Yes

Currently Paying Off

Checking only

Unsure

Have a bit more debt than is manageable

Not at all ready

Yes Yes Yes

Yes Yes No

No Yes No

No No Yes

Checking and Savings Checking and Savings Checking and Savings

Unsure Good Bad

Have a bit more debt than is manageable Have a manageable amount of debt Have a bit more debt than is manageable

Not at all ready Somewhat ready Somewhat ready

Community-Based Organization Community-Based Organization (Habitat for Humanity) Word of Mouth (Jade Scales) Habitat Word of Mouth/Other

Participant Documentation

(Tuscaloosa County Residents) Are you available to meet with a coach on Thursdays from 5:00 - 6:00 p.m.?

(Greene & Hale County Residents) Are you available to meet with a coach on Saturdays from 10:00 a.m. - 1:30 p.m.?

If not, what other days and times would work best for you to meet?

Is there anything else you would like for us to know?

Privacy Statement Signed?

11 a.m./Thursdays

Yes

Credit - Interested in learning more

✓

Yes Yes Yes

✓ ✓ ✓

Financial Coaching Services Authorization Signed?

Liability Waiver Signed?

Participant Meeting and Module Data Set Greene County Greene Intake Participant # Doc u ments

46 51 54 55 58 62 56 59 57 60 52 69 53 67 61

45 66 63 64 49 47 48 50 68 65

Foundations Curriculum

H o m eb u y er Pre-prog ram Readi ness FCS Sc ore W h eel

Financial Skill-Building Curriculum

Understand Set a Sav i ng s You r Credi t Goal S c o re

A c ti on Pl an

Create a Bu dg et

10/12/19 10/12/19

10/12/19

Bank A c c ou nt Kno w-ho w

Prepare for Lower My E m er g en c i es S p e n d i n g

Deal i ng wi th Bu i l d You r Deb t Credi t

Path to Homeownership Curriculum A m I r ea d y to Be a Manag e Cash Homeowner Fl o w ?

Is Renti ng or Ow n i n g Costs of Ri g ht for H o m eo w n er s M o r t g a g e M e? hi p Basi c s

# of Meeti ng s # of Modu l es Post-prog ram A t t en d ed Compl eted FCS Sc ore T i me

4 5 5 6 4 7 7

9/23/19

5 5

10/12/19 9/9/19 9/17/19 9/17/19 9/19/19

3 6 3 5 6 5 3 1 5 6 6 6 4 2

10/12/19 9/20/19 10/12/19 10/12/19 10/12/19 10/12/19 11/15/19 11/16/19 11/16/19

11/16/19

10/12/19 11/16/19 10/12/19 10/12/19 10/12/19 10/12/19 11/16/19

10/12/19 11/16/19 10/12/19 10/12/19

10/12/12 11/16/19 10/12/19 10/12/19

10/12/19

1/16/19 10/12/19

10/12/19

11/16/19 11/16/19

11/16/19

2 1

8 4

10/12/19

11/16/19

1 1 1 2 2 1 2

3 6 3 8 9 3 4 7 4 4

11/16/19

10/12/19 10/12/19

11/16/19

10/12/19 10/12/19

10/12/19 11/16/19

11/16/19

10/12/19

11/16/19

10/12/19

11/16/19

10/12/19 10/12/19

11/16/19

1 1

6.5 1 3

2 3 3.5 5.5 6.5 2.5 2.5

4 5 7 7

3.5

5 2

3.5 3.5

Hale County Hale

Foundations Curriculum

H o m eb u y er Intake Pre-prog ram Readiness Reference # Doc uments FCS Sc ore W heel 36 Complete 1 8/31/19 43 Complete 7 8/31/19 38 Complete 3 8/31/19 42 Registration only 6 40 Complete 4 9/14/19 41 Registration only 2 39 Complete 6 9/14/19 37 Complete 6 10/5/19

A c tion Plan 8/31/19 8/31/19 8/31/19

Create a Budg et

8/31/19 9/14/19

9/14/19

9/14/19 10/519

9/14/19

Financial Skill-Building Curriculum

Understandi Bank Set a Sav ing s ng Your Initial Credit A c c ount Goal Credit Sc ore Sc ore Kno w-ho w 8/31/19 583 10/5/19

Prepare for Lower My E m er g en c i es S p e n d i n g

Dealing with Build Your Debt Credit 10/5/19 9/14/19

9/14/19 10/5/10

9/14/19

515, 508 (Credit Karma)

9/14/19

9/14/19 10/5/19

606, 604 (Credit Karma)

10/5/19

Path to Homeownership Curriculum A m I Ready to Be a Manag e Cash Homeowner Fl o w ? 9/14/19 10/5/19 9/14/19 10/5/19 10/5/19

Is Renting or Ow n i n g Costs of Rig ht for H o m eo w n er s M o r t g a g e M e? hi p Basic s

9/14/19 10/5/19

Tuscaloosa County Tuscaloosa Intake Documents Reference # COHORT A 11 8/13/19 5 8/14/19 3 8/13/19 8 8/13/19 10 8/13/19 2 8/8/19 4 8/27/19 7 8/27/19 1 8/20/19 14 8/13/19 13 9/5/19 9 9/5/19 6 9/19/19

Foundations Curriculum

Homebuyer Pre-Program Readiness Create a F CS Score Wheel Action Plan Budget

2 4 3 4 6 7 7 4 5 3 2 3 4

8/26/19 9/5/19 9/5/19 9/5/19 9/5/19 8/16/19 9/5/19

9/5/19 9/5/19 9/5/19 9/5/19 9/5/19 9/5/19 9/5/19

10/3/19 9/19/19 9/19/19 9/19/19 10/3/19 9/5/19

8/26/19 9/5/19 9/5/19 9/5/19 9/19/19

9/5/19 9/5/19 9/19/19 9/19/19 10/3/19

9/5/19 9/19/19 9/19/19

10/17/19 10/17/19 9/19/19

9/5/19

9/19/19

10/3/19

10/17/19

9/19/19 10/17/19 10/17/19 10/17/19

21 17 16 27 25 19 20 24 23 18 22 26 15 37 44

COHORT B 8/16/19 8/29/19 8/8/19 8/15/19 8/19/19 8/13/19 8/13/19 8/26/19 8/19/19 8/21/19 Registration only 8/23/19 10/9/19 10/5/19 10/10/19

6 8/20/19 9/12/19 5 9/12/19 9/12/19 5 8/20/19 9/12/19 5 9/12/19 9/12/19 4 8/26/19 4 8/27/19 4 8/27/19 5 9/12/19 9/12/19 5 6 9/19/19 9/19/19 2 9/12/19 5 9/12/19 9/12/19 4 10/10/19 10/10/19 See Hale County See Hale County 10/24/19 ND 10/10/19

9/12/19 9/26/19 9/26/19 9/26/19

10/24/19 9/12/19 9/26/19

9/12/19 9/12/19

12 30 28 29 32 33 35 31

COHORT C 8/14/19 8/12/19 10/1/19 8/9/19 8/15/19 8/19/19 10/2/19 11/6/19

5 6 1 5 2 6 4 2

9/19/19 9/18/19 10/22/19 Complete 10/3/19

75 71 73 74 72 70

OTHER 8/19/19 8/8/19 8/8/19 8/8/19 7/29/19 7/29/19

6 5 ND 5 3 6

9/5/19 Complete 10/8/19 Complete 10/3/19 10/9/19 11/6/19

10/3/19 10/9/19

10/3/19

9/26/19

11/7/19 558/518 584 (11/7/19) 675 (Equifax) 9/19/19 10/3/19

Prepare for Lower My Emergencies Spending

Dealing with Build Your Manage Debt Credit Cash F low

Am I Ready to Be a Homeowner ?

11/7/19 10/17/19 10/17/19 10/17/19

9/19/19

10/17/19

11/7/19

10/17/19

11/7/19 11/7/19

11/7/19

Complete

10/17/19

680 (10/10/19) 638 (9/12/19) 680 (9/12/19 672/722 (10/10/19) 10/10/19

9/12/19 9/12/19 9/26/19

646 (10/7/19 589 (10/10/19) 674 (Bank Statement)

10/3/19

10/17/19

10/10/12 10/10/19 10/10/19

10/10/19 10/17/19 10/24/19 10/24/19

9/26/19 347 (Credit Karma) 10/17/19 584 (Sept.), 611 (Oct.) See Hale County 10/24/19

11/12/19 10/23/19

10/3/19 9/4/19 10/16/19 9/24/19 10/23/19

10/17/19 11/7/19

11/7/19

10/24/19

10/10/19 9/26/19 10/10/19

10/24/19

4 12 6 10 7 9 2

7 9 11 12 1 9 9 6

11/21/19

7 7 7 7 2 3 3 3 1 3 2 7

11/21/19 11/21/19

11/21/19

11/7/19 11/21/19

10/10/19 11/7/19

10/24/19 10/24/19 9/26/19 9/26/19

10/10/19 11/14/19

10/24/19

10/24/19 10/24/19 11/14/19

10/24/19

11/14/19 10/10/19 10/10/19 11/21/19 11/14/19 11/14/19

11/21/19 11/21/19 11/21/19 11/21/19 11/14/19 11/14/19

11/21/19 11/21/19 11/21/19

10/10/19 10/10/19 10/24/19 10/24/19

10/24/19

11/7/19 11/14/19

11/14/19 11/14/19

586/563 (Credit 10/17/19 Karma) 568 (Credit Sesame) 11/20/19 577/610 (Credit Karma) 11/12/19 571 Complete 640 (Sept.), 666 (10/23/19)

11/14/19

10/3/19

9/24/19 11/14/19

10/16/19

10/17/19

10/8/19

10/22/19 11/12/19

11/14/19 10/2/19

10/30/19

11/14/19

11/21/19 11/6/19

10/30/19

11/14/19 11/4/19

11/20/19

Modules

4 6 2 8 3 8 1 1 3 8 6 2 2

11/21/19

10/17/19 11/7/19

PostProgram Action Plan Meetings

11/21/19

10/17/19

10/3/19

9/12/19 10/10/19

Is Renting or Owning Costs of Right for Homeowner Mortgage Me? ship Basics

10/17/19 10/17/19 10/3/19

10/3/19

10/9/19 11/13/19

Path to Homeownership Curriculum

Financial Skill-Building Curriculum

Understand Bank Set a Savings Your Credit Initial Credit Account Goal Score Score Know-how

11/21/19 11/21/19

7 7 1 2 7 1 1 3

3 7 7 3 7

6 2 6 8 8 7

10 6 5 9 10 5 3

226

* No Data. Participant did not complete FCS at intake.

1 1 1 1 1 1

M eet i n g s

M o d u l es

2 1

7 3

3 3 3

7 7 5

Post-prog ram FCS Sc ore

3 4 6

HOMEFIRST MEETING DATA TUSCALOOSA COHORT A Reference # 1 11 3 5 10 8 12 14 2 9 13 4 6 18 15 7

Intake Meeting

9/ 5/ 19

9/ 19/ 19

10/ 3/ 19

10/ 17/ 19

11/ 7/ 19

11/ 21/ 19

8/27/19 8/27/19 8/13/19

Present Present Present Present Present Present Present Present Present Present Present Phone

No Show No Show Present Present No Show Present Rescheduled Present Present Present Present No Show Present Present

No Show Present No Show No Show Present Present Present Present Present No Show Present

No Show Present Present Present Present Present Present Present Present Present

Present No Show Present Present Present No Show Present Present No Show Present

No Show No Show Present No Show Present Present Present Present No Show Present

Present Present Present

Present No Show Present

Present

8/20/19 8/13/19 7/30/19 8/14/19 7/31/19 7/29/19 8/14/19 8/7/19 8/8/19 Complete Complete 8/20/19 7/26/19 8/21/19 See B 8/20/19

8/13/19 8/13/19 8/13/19 8/16/19 Complete Complete 8/27/19

8/27/19

No Show

Present Present

Status Inactive Active Active Active Active Active Active Active Active Active Active Inactive Active Inactive

No Show

Inactive

Nu mb er of M eet i n g s 3 5 5 6 6 8 5 8 8 3 6 3 6 4 2 2 0 80

TUSCALOOSA COHORT B Intake Meeting

Intake Meeting

25 16 20 19 21 24 27 23 18 26 17 22 12 15 37 44

8/19/19 8/8/19 7/30/19 7/30/19 8/16/19 8/26/19 8/15/19 8/19/19 See A 8/24/19 8/29/19 Complete See A 10/9/19 See Hale County Complete

30 29 32 33 28 35 31

Intake M eet i n g 8/26/19 8/20/19 8/29/19 8/19/19 10/8/19 10/9/19 Complete

8/26/19 8/20/19 8/12/19 8/12/19 8/20/19

9/ 12/ 19

9/ 26/ 19

10/ 10/ 19

10/ 24/ 19

11/ 14/ 19

11/ 21/ 19

No Show Present Present Present Present Present Present No Show No Show Present Present Present

No Show Present Present Present Present Present Present No Show No Show Present Present Present Present

No Show Present Present Present Present Present Present

Present Present Present No Show Present Present

Out Present Present Present Present Present

Present Present Present Present Present Present

No Show Present Present

Present Present

No Show Present Present Present

Present No Show Present Present

See A See A Present Present

Inactive

Inactive Present Present Present No Show No Show Present Present Present

2 7 8 8 7 7 7 1 1 7 7 2 2 3 5 4 78

TUSCALOOSA COHORT C Coac h Meeti ng 1 9/4/19 9/10/19 10/3/19

Coac h M eet i n g 2 9/18/19 9/24/19 10/23/19

Coach Meeting 3

Coach Meeting Coac h Meeting Coac h Meeting 4 5 6

10/2/19 10/8/19 10/30/19

11/6/19 10/22/19 11/14/19

10/16/19 10/16/19 11/6/19

10/23/19 11/4/19 11/13/19

11/5/19 11/18/19 11/20/19

11/12/19 12/2/19

11/20/19 11/12/19 11/21/19

11/21/19

Active Active Active Inactive Active Active Active

7 8 7 1 6 6 3 38

HALE COUNTY COHORT Intake Docum ents 36 43 38 42 40 41 39 37

Complete Complete Complete Complete Complete Complete Complete Complete Complete

8/ 31/ 19

9/ 14/ 19

10/ 5/ 19

Present Present Present

Present

Present Present 13

GREENE COUNTY COHORT 46 51 54 55 58 62 56 59 57 60 52 69 53 57 61 45 63 64 49 47 48 66 50 65 68

Intake Docum ents Complete Complete Complete Complete Complete Complete Complete 9/23/19 Complete Complete 9/9/19 9/17/19 9/17/19 9/19/19 Complete Complete Complete Complete 10/12/19 10/12/19 10/12/19 10/12/19 11/15/19 11/16/19 11/16/19

10/ 12/ 19

11/ 16/ 19

Present Present

Present

Present Present Present Present Present

Present Present Present Present

Present Present Present

OTHER REGISTERED PARTICIPANTS Intake Meeting 75 73 72 74 71 70

8/19/19 8/8/19 7/29/19

8/8/19 8/8/19 7/29/19

Intake meeting No Show No Show No Show No Show No Show No Show

1 1 1 1 1 1 6 231

Post-Program Assessment Data Snapshot Greene County Cohort # of Participant Meetings Number (#) Attended

# of Modules Completed

Preprogram FCS Score

2 No

Average

How prepared are you to buy a home?

Have a bit more debt than is Not at all manageable ready

Bad

Average

Both Checking and Savings Very bad

Have far more debt than is Somewhat manageable ready

Savings only Bad

Have a bit more debt than is Somewhat manageable ready

Both Checking and Savings Average

5 No

How manageable is your household debt?

Have a bit more debt than is Not at all manageable ready

Both Checking and Savings Average

7 No

Credit Record

Have far more debt than is Somewhat manageable ready

None

7 No

Checking only

7 No

Checking only

4 No

Bank Account?

Both Checking and Savings Bad

5 No

Payday Loan?

5 No

Postprogram FCS Score

Have a manageable amount of Somewhat debt ready

Please estimate the amount you have saved at the conclusion of the program.

1, 3 ,6, 7

250.00 2, 6, 7

Hom e purchase

Why are you saving money (select an answer)?

2, 3, 7

$ $

Twice a month

Never

Twice a month

Every 1-2 months

2,000.00 2, 3

Frequency

Twice a month

Every 1-2 months

1-2 times per year

Every 1-2 months

- 2 281.25

Increased?

Progress

Have you opened (or do you plan to open) a new bank Knowledgea Understandi Improve Steps Taken ble Confidence account? ng Your Score

Little

Reduced spending, created a budget, increase income, other steps

I feel more knowledgea ble about m y incom e and expenses.

I am very confident in my ability to manage my m oney.

I have not opened and do not plan to open a new bank Very account. confident

3, 4, 5

I feel more knowledgea ble about m y incom e and expenses.

I am very confident in my ability to manage my m oney.

I have opened or plan to open a savings Somewhat account. confident

I feel more knowledgea I am very I have ble about confident in opened or m y incom e my ability to plan to open and manage my a savings Very expenses. m oney. account. confident

I feel more knowledgea ble about m y incom e and expenses.

I am very confident in my ability to manage my m oney.

Very confident

3, 4, 6

I feel more knowledgea ble about m y incom e and expenses.

I am very confident in my ability to manage my m oney.

I have opened or plan to open a savings Very account. confident

3, 4, 5, 6

I feel more I have not knowledgea I am very opened and ble about confident in do not plan m y incom e my ability to to open a and manage my new bank Somewhat expenses. m oney. account. confident

3, 4

I feel the My same as knowledge before I is started unchanged. Hom eFirst.

Some

A lot

Yes

Little

Yes

A lot

Some

Yes

Some

I feel more knowledgea ble about m y incom e and expenses.

I am very confident in my ability to manage my m oney. 1

Very confident

I have opened or plan to open a checking Somewhat account. confident

Very confident

Steps Taken Improved

1, 2, 3, 4, 6 No

Very confident

1, 2, 3, 4, 6 Unchanged

Somewhat confident

Very confident

1, 4

Very confident

2, 4, 6

Somewhat confident

Very confident

Yes

1, 2, 3, 4, 6 No

3, 4

Somewhat confident

Unchanged

Yes

Unchanged

Amount Paid Off

Types of Debt

1, 2, 3, 6

1, 3, 6, 9

1, 2, 3, 6

$1500019999

$25000$49999

$50000$75999

3, 4

1, 2, 3

$ 1,500.00 1, 2, 3

Amount Owed

Under $5000

Progress

Confidence Progress

Prepared

IDA

Little

I feel more confident in the homebuying process. Some

1-2 years

Need more information Yes

A lot

I feel more confident in the homebuying process. A lot

1-2 years

Yes

Counselor

Yes

City of Tuscaloosa

SaveFirst

Step-UP

Habitat

Likely to Spring 2020 How Often? Refer?

Yes

1 time per week

Yes

Very likely

I really enjoyed this semester with Dr. Prewitt and I learned a lot. I wish to continue the program.

Very likely

Really enjoyed the program and Collin really helped me understand and face what needs to be taken care of.

I feel more confident in the homebuying process. Some

1-2 years

Need more Need more Need more Need more Need more Need more information information information information information information Yes

A lot

I feel more confident in the homebuying process. A lot

2 or more years

Yes

Need more information Yes

Need more Need more information information Yes

1 time every other week Very likely

Little

I feel more confident in the homebuying process. Some

2 or more years

Yes

1 time per week

Some

I would like to learn more about the homebuying process. Some My

1-2 years

Yes

Unsure

A lot

confidence in the homebuying process is the same level as A lot

7-12 months

Yes

Some

My confidence in the homebuying process is the same level as when I started. Some

1-2 years

Yes

Amount Owed?

Progress

Confidence Progress

A lot

I feel more confident in the homebuying process. A lot

Yes

Very likely

1 time per week

Yes

Notes

Very likely

Some

1 time per month

Comments

Unemploye d, looking for a job

Somewhat likely

Unsure

Hale County Cohort

# of Participant Meetings Number (#) Attended

# of Modules Completed

Preprogram FCS Score

Postprogram FCS Score

Payday Loan?

4 No

3 Yes

5 Yes

6 No

Bank Account?

Credit Record?

Savings only Bad

Savings only Very Bad

Checking only

Average

Both Checking and Savings Average

How manageable is your household debt?

How prepared are you to buy a home?

Have a manageable amount of debt Very ready

Have a bit more debt than is Not at all manageable ready

Have a bit more debt Not at all than is manageable ready

Have a manageable amount of Not at all debt ready

Please estimate the amount you have saved at the conclusion of the program.

Why are you saving money (select an answer)?

Other

Frequency? Increased?

Twice a month

Emergencie s, Every 1-2 200.00 child/family months

Pay off debt, Emergencie s, Car purchase, Child/family , Pay off Twice a 50.00 debts month

Emergencie s, Home purchase, child/family , pay off Every 1-2 debts, other months

Yes

Progress

Have you opened (or do you plan to open) a Knowledgea new bank Understandi Improve Steps Taken ble Confidence account? ng Your Score

Steps Taken Improved

A lot

I have created a budget to understand my income and expenses.

Pay bills on time, pay off debts, changed spending habits

Little

I have created a budget to understand my income and expenses. I have taken other steps to improve my cash flow or budget.

Little

I have created a budget to understand my income and expenses better.

A lot

I have reduced spending in order to make my budget work better. I have increased or plan to increase my income. I have taken other steps to improve my cash flow or budget.

I feel more knowledgea ble about my income and expenses.

I have not opened and do not plan to open a Very new bank account. confident

I am very confident in my ability to manage my money.

I am very confident in my ability to manage my money. 1 no answer

I have not opened and do not plan to open a Somewhat new bank account. confident

I have opened or plan to open a checking Very account. confident

I have opened or plan to open a savings Somewhat account. confident

Very confident

Pay bills on time, pay off debts, changed spending habits Yes

Amount Paid Off?

Types of Debt

Debts in collection, auto loan, installment loan, friends and family, medical debt, $10000payday loans $14999

Student loans, debts in collection, auto loan, medical $25000debt, payday loan $49999

Very confident

Disputed inaccurate information Yes

Very confident

Pay bills on time, disputed inaccurate information, pay off debts, opened secured line of credit, changed spending habits Unchanged $3,500

Debts in collection, medical debt

Under $5000

Prepared

IDA

Counselor

City of Tuscaloosa

SaveFirst

Step-UP

Habitat

Need more Need more Need more information information information

Some

I would like to learn more about the homebuying process. Little

Some

I would like to learn more about the homebuying process. Little

2 or more years

I feel more confident in the homebuying process. Some

2 or more years

Yes

Likely to Spring 2020 How Often? Refer?

Not at all likely

Yes

Comments

1 time per month

Very likely

The HomeFirst classes were helpful in learning about different areas to work on when preparing to buy a home.

Very likely

Thanks for all you do, this program helped out a lot. The information was really helpful.

Yes

1 time per month

Yes

1 time every other week Very likely

Tuscaloosa County Cohort # of Meetings Attended

Participant Number (#)

# of Modules Completed

Preprogram FCS Score

Postprogram FCS Score

7 N/A

Payday Loan?

Bank Account?

Credit Record

How manageable is your household debt?

How prepared are you to buy a home?

7 No

Savings only Bad

Have a manageable amount of debt

6 No

Both Checking and Savings Average

Have a bit more debt than is Somewhat manageable ready

8 No

Both Checking and Savings Very bad

Have far more debt than is Not at all manageable ready

8 No

6 No

5 No

7 No

6 No

7 No

4 Yes

Both Checking and Savings Average

Do not have Somewhat any debt ready

Have a manageable amount of debt Very ready

Savings only Bad

Have a manageable amount of Not at all debt ready

Both Checking and Savings Average

Have a bit more debt than is Somewhat manageable ready

Both Checking and Savings Good

Have a manageable amount of debt Very ready

Both Checking and Savings Average

Have a manageable amount of debt Very ready

Have a manageable amount of Somewhat debt ready

Both Checking and Savings

5 No

Bad

Have a manageable amount of Somewhat debt ready

6 No

Both Checking and Savings Very bad

Have a manageable amount of Somewhat debt ready

6 No

Both Checking and Savings Average

Have a manageable amount of Somewhat debt ready

8 No

7 No

6 No

7 No

Checking only

Average

Both Checking and Savings Average

Have a manageable amount of Somewhat debt ready

Do not have Somewhat any debt ready

Both Checking and Savings Average

Do not have Somewhat any debt ready

Both Checking and Savings Average

Have far more debt than is Somewhat manageable ready

5 No

Both Checking and Savings Good

Have a manageable amount of Somewhat debt ready

7 No

Both Checking and Savings Good

Have a manageable amount of debt Very ready

8 No

7 No

1 No

6 No

Both Checking and Savings Average

Have a bit more debt than is Somewhat manageable ready

Both Checking and Savings Good

Have a manageable amount of debt Very ready

Checking only

Have a bit more debt than is Not at all manageable ready

Unsure

Both Checking and Savings Average

Have a manageable amount of Somewhat debt ready

Please estimate the amount you have saved at the conclusion of the program.

Why are you saving money (select an answer)?

3, 7

200.00 3, 4

200.00 3, 6, 7

300.00 3

$ 2,035.00 2, 3

300.00 3

500.00 3, 7

Frequency

Every 1-2 months

Twice a month

Every 1-2 months

Twice a month

1-2 times per year

Every 1-2 $ 2,000.00 1, 2, 3, 4, 7 months

500.00 2, 3, 7, 8

900.00 2, 3, 6

200.00 2, 3, 7

2, 3

250.00 3

$ 5,200.00 3

$ 1,300.00 2

2, 3

800.00 3

2, 3, 7

$ 1,000.00 1, 2, 3, 7

200.00 2, 3

$ 1,500.00 3

800.00 2, 3, 7

Every 1-2 months

Twice a month

Every 1-2 months

Twice a month

Every 1-2 months

Increased?

Yes

Never

Twice a month

Never

Twice a month

Progress

Some

Little

Some

Little

Yes

Have you opened (or do you plan to open) a new bank Understandi Improve Confidence account? ng Your Score

3, 5, 6

I feel more knowledgeable about my income and expenses.

I am very I have confident in opened or my ability to plan to open manage my a savings Somewhat money. account. confident

3, 4, 5

I feel more knowledgeable about my income and expenses.

I am very confident in my ability to manage my money.

I have not opened and do not plan to open a new bank Very account. confident

3, 4, 5

I feel more knowledgeable about my income and expenses.

I am very confident in my ability to manage my money.

I have not opened and do not plan to open a new bank Somewhat account. confident

3, 4

I feel more knowledgeable about my income and expenses.

I am very confident in my ability to manage my money.

I have opened or plan to open a savings Very account. confident

I feel more knowledgeable about my income 3, 4, 5, 6, 7 and expenses.

I am very confident in my ability to manage my money.

3, 4

I feel more knowledgeable about my income and expenses.

I am very confident in my ability to manage my money.

I feel more knowledgeable about my income and expenses.

I am very confident in my ability to manage my money.

Very confident

Somewhat confident

Very confident

I have opened or plan to open a savings Very account. confident

Somewhat confident

Very confident

Somewhat confident

Very confident

Steps Taken Improved

1, 2, 5

1, 3, 6

1, 6

Yes

1, 2, 6

1, 2, 4, 6

1, 3, 4

Amount Paid Off

Unchanged

2, 6

1, 2, 3, 7

$ 2,200.00 1, 2, 3, 7

1, 4

200.00 1, 2, 6, 7

A lot

I feel more knowledgeable about my income and expenses.

I am very I have confident in opened or my ability to plan to open manage my a savings Somewhat money. account. confident

Somewhat confident

2, 4, 6

Yes

500.00 2, 4

I feel more knowledgeable about my income and expenses.

I have not I am very opened and confident in do not plan my ability to to open a manage my new bank Somewhat money. account. confident

Somewhat confident

4, 6

Yes

500.00 3

I feel more knowledgeable about my income and expenses.

I have not I am very opened and confident in do not plan my ability to to open a manage my new bank Very money. account. confident

A lot

3, 4

A lot

Little

I feel more knowledgeable about my income 1, 2, 4, 5, 6 and expenses.

Some

I feel more knowledgeable about my income and expenses.

A lot

Some

Little

A lot

Little

A lot

Little

Some

3, 4

I feel more knowledgeable about my income and expenses.

I am very confident in my ability to manage my money.

I have not opened and do not plan to open a new bank Very account. confident

I am very I have confident in opened or my ability to plan to open manage my a savings Somewhat money. account. confident

I am very confident in my ability to manage my money.

I have opened or plan to open a savings Very account. confident

Very confident

Somewhat confident

Very confident

1, 2, 3, 4

1, 4

1, 4, 6

1, 3, 4, 6

1, 2, 3, 4

Yes

$5000$9999

$25000$49999

Under $5000

I feel more knowledgeable about my income 1, 2, 3, 4, 6 and expenses.

Very confident

Amount Owed

$ 1,000.00 4, 8, 10

Yes

Types of Debt

Little

Some

Yes

Steps Taken Knowledgeable

$5000$9999

$1500019999

76000$100000

100.00 4

$ 3,000.00 6

500.00 4, 6

$ 1,000.00 1, 3, 4

$25000$49999

3, 4, 5

4, 7

I feel more knowledgeable about my income and expenses.

I have not I feel the opened and same as do not plan before I to open a started new bank Not at all HomeFirst. account. confident

3, 4, 6

I feel more knowledgeable about my income and expenses.

I am very confident in my ability to manage my money.

I have not opened and do not plan to open a new bank Very account. confident

Very confident

1, 4

Not at all confident

Very confident

Yes

Unchanged

1, 3, 4, 6

Yes

3, 4

Under $5000

$1500019999

Under $5000

76000$100000

Under $5000

$ 1,000.00 3, 4, 7

1 time every other week Very likely

Yes

I time every other week Very likely

Thank you very much for highlighting the behaviors that are necessary to become and stay a homeowner , as well as the economic advantages ALREADY A for doing HOMEONW such. ER.

Yes

1 time per week

Very likely

I have thoroughly enjoyed the program! :)

Yes

Unsure

Very likely

Not Answered.

Yes

Unsure

Yes

I am very confident in my ability to manage my money.

I have not opened and do not plan to open a new bank Very account. confident

Yes

7-12 months

I feel more knowledgeable about my income and expenses.

I am very confident in my ability to manage my money.

I time every Somewhat other week likely

A lot

$20000$24999

Under $ 3,000.00 3, 4, 8, 9, 10 $5000

I feel more knowledgeable about my income and expenses.

Yes

HomeFirst gave me a desire to become a homeowner and taught me how to prepare to purchase a home as far as budgeting and saving and working on my credit.

I feel more confident in the homebuying process. Some

Yes

Under $5000

Little

I feel more confident in the homebuying process. A lot

1-2 years

I feel more confident in the homebuying process. A lot

7-12 months

Yes

A lot

I feel more confident in the homebuying process. A lot

7-12 months

Some

I feel more confident in the homebuying process. Little

A lot

Some

Yes

Need more information Yes

Yes

Very likely

1 time per week

Very likely

1 time every other week Very likely

Nate really was a great help to me to understand everything.

1 time per month

Very likely

I really enjoyed myself and I now have better understandi ng in the process of buying a house and what's the most important when trying to buy a house. I have enjoy the program, great information. Love the one-on-one coaching. Our coach was great in gathering information and answering any questions.

Yes

1 time per month

Somewhat likely

Yes

1 time per month

Very likely

1-2 years

Need more information Yes

Yes

Unsure

I feel more confident in the homebuying process. Some

1-2 years

Yes

I feel more confident in the homebuying process. Some

0-6 months Yes

Need more information Yes

Yes

Need more information Yes

I feel more confident in the homebuying process. Some

7-12 months

A lot

I feel more confident in the homebuying process. A lot

0-6 months

None

I would like to learn more about the homebuying process. None

2 or more years

Some

Yes

Need more information

A lot

1 time every other week Very likely

Yes

A lot

1, 2, 4, 6

526.00 1, 2

Yes

Need more Need more Need more Need more Need more Need more information information information information information information Yes

Very confident

Yes

I feel more knowledgeable about my income and expenses.

1, 2, 3, 4, 5, 6 Yes

Yes

7-12 months

3, 4, 7

Very confident

2 or more years

Yes

I feel more confident in the homebuying process. Some

Yes

Need more Need more information information Yes

Yes

0-6 months Yes

Thanks and love you all.

I was very pleased with the program & trainers. I have started saving and working towards improving my credit. This program really helped me achieve my goals.

1-2 years

Very confident

Some

Yes

Notes

Very likely

I feel more confident in the homebuying process. Little

$1500019999

Yes

I am very confident in my ability to manage my money.

1-2 years

I feel more confident in the homebuying process. Some

Yes

Some

Under $5000

1, 3, 4, 6

I feel more knowledgeable about my income and expenses.

I would like to learn more about the homebuying process. Some

Yes

Somewhat confident

3, 4, 5, 6

Some

Yes

7-12 months

I have not I am very opened and confident in do not plan my ability to to open a manage my new bank Very money. account. confident

$ 2,814.00 2, 6, 7, 12

Yes

I feel more confident in the homebuying process. Some

3, 6

1, 2, 3, 4, 6 Yes

7-12 months

Yes

I feel more confident in the homebuying process. A lot

I have not I am very opened and confident in do not plan my ability to to open a manage my new bank Somewhat money. account. confident

Very confident

A lot

Yes

A lot

I feel more knowledgeable about my income and expenses.

I have opened or plan to open a savings Very account. confident

Yes

Comments

Somewhat likely

$25000$49999

3, 4, 5, 6

200.00 2, 6

1-2 years

I feel more confident in the homebuying process. Some

1 time every other week Very likely

Yes

I have opened or plan to open a savings Very account. confident

paid off car 4

None

Yes

7-12 months

I am very confident in my ability to manage my money.

Yes

0-6 months Yes

I feel more confident in the homebuying process. Little

A lot

I feel more knowledgeable about my income and expenses.

1, 6

Little

Under $5000

Very confident

Need more Need more Need more Need more Need more Need more information information information information information information Yes

0-6 months Yes

I am very confident in my ability to manage my money.

paid off car 2, 4

1-2 years

I feel more confident in the homebuying process. Some

Yes

Habitat

I feel more confident in the homebuying process. Some

I feel more knowledgeable about my income and expenses.

Some

0-6 months Yes

Step-UP

I feel more confident in the homebuying process. A lot

4, 6

Somewhat confident

IDA

Some

Over $ 3,000.00 2, 3, 6, 7, 9 $100000

Prepared

I feel more confident in the homebuying process. Some

I feel more confident in the homebuying process. A lot

SaveFirst

Likely to Spring 2020 How Often? Refer?

Confidence Progress

A lot

Counselor

City of Tuscaloosa

Progress

Need more Need more Need more information information information Yes

Very likely

1 time every other week Very likely

1 time per month

1 time per week

Very likely

The information was very informative. I enjoyed my coach. She was really fun and had a lot to offer in this program. I am looking forward for the spring to start again. Keep up the good work. Ms. Susan has been a blessing along with her professional position to me. I have enjoyed coming and understandi ng what it takes to purchase a home. I am looking forward to becoming a homeowner .

Yes

1 time every other week Very likely

Yes

Need more Need more information information Yes

Yes

1 time every other week Very likely

Yes

I appreciate the program and am thankful.

I time every other week Very likely

I have learned a lot since entering the program I have learned a lot about credit scores and many other areas I didn't know much about.

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