FAMILY SERVICES INC
8084 RIVERS AVE, NORTH CHARLESTON, SC 29406 www.originsc.org

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Organizations Filed Purposes: ORIGIN SC EMPOWERS INDIVIDUALS TO ACHIEVE FINANCIAL AND HOUSING STABILITY THROUGH ADVOCACY, COUNSELING AND EDUCATION.

TO PROVIDE SERVICES TO FAMILIES AND INDIVIDUALS IN THE CHARLESTON AREA TO HELP THEM BECOME OR REMAIN FUNCTIONALLY INDEPENDENT.

THE HOMEOWNERSHIP RESOURCE CENTER (HRC) PROVIDES FINANCIAL LITERACY EDUCATION AND COACHING TO PRIMARILY LOW-TO-MODERATE-INCOME INDIVIDUALS AND POTENTIAL HOMEOWNERS. THE HRC HAS RECEIVED NATIONAL RECOGNITION AS BEING ONE OF THE TOP AGENCIES IN THE COUNTRY PROVIDING DEFAULT COUNSELING AND FORECLOSURE PREVENTION SERVICES. THE HOMEOWNERSHIP RESOURCE CENTER'S INNOVATIVE CLINIC MODEL FOR DEFAULT COUNSELING WAS ADOPTED IN MANY OTHER STATES BECAUSE OF ITS EFFICIENCY AND EFFECTIVENESS, AND IS CONSIDERED A BEST PRACTICE BY NEIGHBORWORKS AMERICA. IN 2019, THE ORGANIZATION'S HRC COUNSELORS PROVIDED THOUSANDS OF COUNSELING HOURS SERVING MORE THAN 1,775 CLIENTS TO HELP THEM ACHIEVE/SUSTAIN FINANCIAL STABILITY. ADDITIONALLY, THE HRC PROVIDES ONE-ON-ONE LONG TERM BUDGET COUNSELING AND EDUCATIONAL WORKSHOPS FOR POTENTIAL FIRST TIME HOMEBUYERS. LICENSED COUNSELORS HELP INDIVIDUALS TO UNDERSTAND THEIR CREDIT REPORT, LIVE WITHIN THEIR BUDGET, AND EVENTUALLY ATTEND A FIRST TIME HOMEBUYER WORKSHOP TO HELP THEM PREPARE TO PURCHASE A HOME THAT THEY CAN AFFORD. WITH THE SKILLS LEARNED IN THE ORGANIZATION'S HOMEBUYER WORKSHOPS, THE HOMEBUYER WILL HAVE A BETTER UNDERSTANDING OF WHAT A MORTGAGE IS, HOW TO NEGOTIATE CLOSING COSTS, DOWN PAYMENTS, INSURANCE, FUTURE MAINTENANCE, AND THE MYRIAD OF OTHER OBSTACLES FACED BY FIRST TIME OR UNEDUCATED HOMEBUYERS. IN 2019, 402 INDIVIDUALS WERE EDUCATED THROUGH THE HOMEOWNERSHIP PROGRAM AND 35 PURCHASED A HOME. HRC'S REVITALIZATION LLC PURCHASED AND REHABILITATED 4 ABANDONED HOME FOR RESALE TO LOW-TO-MODERATE INCOME HOMEBUYERS IN THE CHARLESTON TRI-COUNTY.

HOUSING STABILITY AND FINANCIAL MANAGEMENT SERVICES (FMS) PROTECTS VULNERABLE INDIVIDUALS FROM EXPERIENCING FINANCIAL EXPLOITATION AND LOSS OF MONEY THROUGH FAMILIAL EXPLOITATION. PROGRAM SERVICES ARE PROVIDED FOR THE ELDERLY, MINORITIES, AND INCAPACITATED INDIVIDUALS THROUGH THE CONSERVATOR PROGRAM OR THE REPRESENTATIVE PAYEE PROGRAM. THE REP PAYEE PROGRAM PROVIDES BUDGETING AND FINANCIAL MANAGEMENT SERVICES FOR MORE THAN 1,500 INDIVIDUALS WHO ARE MENTALLY OR PHYSICALLY INCAPABLE OF HANDLING THEIR OWN FINANCIAL AFFAIRS. OUR LEASE ON LIFE AND SUPPORTIVE SERVICES FOR VETERAN FAMILIES PROVIDED ONGOING LEASE SUBSIDIES AND SUPPORTIVE SERVICES FOR 450 VERY LOW INCOME, AT RISK VETERANS AND THEIR FAMILIES. THE CONSERVATOR PROGRAM SERVED OVER 478 CLIENTS WHO ARE APPOINTED BY THE PROBATE COURT OR DEPARTMENT OF VETERAN AFFAIRS WHEN THERE IS NO FAMILY MEMBER OR BONDED ENTITY TO MANAGE THE DISABLED INDIVIDUAL'S FINANCIAL AFFAIRS. BOTH OF THE PROGRAMS MANAGE THE CLIENT'S LIMITED FUNDS, PAY THEIR BILLS, AND ADVOCATE FOR THE INDIVIDUALS TO LIVE AS COMFORTABLY AND INDEPENDENTLY AS POSSIBLE.

IN JULY 2016, THE ORGANIZATION BEGAN PARTICIPATING IN THE LET'S INVEST FOR TOMORROW (LIFT) DOWN PAYMENT LOAN/GRANT PROGRAM WITH NEIGHBORWORKS AMERICA. THE ORGANIZATION PERFORMS EDUCATIONAL INFORMATION SESSIONS WITH MORTGAGE LOAN APPLICANTS TO DETERMINE IF THEY MEET THE 80% AREA MEDIAN INCOME AND OTHER QUALIFICATIONS TO RECEIVE A FORGIVABLE NON-AMORTIZING LOAN TO PURCHASE A HOME IN RICHLAND AND LEXINGTON COUNTIES IN SOUTH CAROLINA. FORGIVABLE NONAMORTIZING LOANS RANGE FROM $2,500 TO $7,500 AND ARE FORGIVEN A THIRD EACH YEAR OVER THREE YEARS. THE ORGANIZATION IS PERMITTED TO CHARGE THE GRANT $1,400 PER EACH LOAN CLOSED PLUS $285 IN FEES TO THE BORROWER AT CLOSING. IN 2019,THE LIFT PROGRAM HELPED 1 LOW-TO-MODERATE INCOME HOMEBUYERS PURCHASE A HOME.

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