Cross Roads C.A.C

Improving the life of the community

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About Us

Cross Roads C.A.C is a non-profit organization located in the PUEDE Center, which is a new branch of services operating under the umbrella of Pico Union Housing Corporation (PUHC). Cross Roads C.A.C is a community based organization with a mission to develop and preserve affordable housing with an emphasis on residential ownership and to promote higher education among low income communities in the Pico Union district. The goal of Cross Roads C.A.C. is to assist the local constituents in creating wealth by developing programs and strategies that will increase their net worth.

Programs

Veteran Assistance Loans – Homebuyer and Business Education Program – Foreclosure Assistance Program – Internship Programs – Scholarship Programs

Veteran Assistance Loans

If you are a veteran or active military personnel and you and your family are struggling with home mortgage, car payments and credit card debts, WE CAN HELP. You and your family have sacrificed a lot to protect our country. Let CrossRoads help you protect your financial freedom.

Homebuyer and Business Education Program

Homebuyer Education is paramount especially for first-time purchasers. This program will provide technical assistance and educational seminars to prepare families for the purchase of their first home. The program aims to increase home ownership in underrepresented communities, low-to moderated income households, and people of color. Classes are mandatory for recipients of the grant and loan assistance program. Some of the topics covered explain what home ownership is all about.

The Seminars include:

Pre-Acquisition Class (80% of class) – When making such a major investment decision, a person should learn about the purchase and financing process.

Post-Acquisition Class (20% of class) – Moving people into home ownership is part of building assets, but maintaining equity and sustainability are the keys to wealth building. Topics covered are keeping good credit, keeping predators at bay, and understanding equity lines of credit.

Foreclosure Assistance Program

Unexpected events such as the loss of a job, reduction in work hours, illness, divorce, etc., can cause homeowners to fall behind in their mortgage payments. Cross Roads C.A.C. can help homeowners avoid the loss of a home to foreclosure, at zero cost. We work with you and your mortgage services, educating and supporting you through the whole process.

Together, we will:

Explore home retention options, provide income documentation to accurately assess your hardship and assess the servicer program for which you might qualify

In addition to helping with the practicalities of avoiding foreclosure, your Cross Roads C.A.C. certified counselor will help you form a financial action plan. In one-on-one counseling sessions, your counselor will help you:

Analyze your situation and inform you about the foreclosure process in California, compile necessary documentation, develop a budget and spending plan, manage your debt access refinance and modification opportunities and develop a customized action plan

Cross Roads C.A.C. is ready to provide effective and efficient service to you.

Internship Program

Internships are key to building experience as a student or recent graduate. Employers are much more likely to hire someone with internships and work experience rather than someone with a generic resume, lacking experience.

Cross Roads C.A.C. offers part-time and full-time internships for students attending 2-years and 4-years colleges in the Los Angeles area.

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Scholarship Program

Scholarships provide an opportunity for many people to earn an education. Without assistance from an outside source, students may have trouble paying for the degree they need in order to enter the workforce and become a contributing member of society.

Cross Roads C.A.C. is providing scholarships for High School and College students who grew up in low-income families and who are pursuing higher education.

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First Time Home Buyer

Buying a home for the first time can be intimidating and even difficult. That is why we are here to assist you throughout the entire process. Such tasks we assist with include helping you improve your credit score, inform you of your down payment options, create a budget for home owning, and see if you qualify for any loans. We can make the entire process easy.

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