Community Empower
Presented to:
The National Guard
Overview
As a current or retired member of the National Guard, you and your
family may face unique financial challenges – especially if you are
looking to become a homeowner, facing deployment or returning to
civilian life.
Dealing with these important events requires a plan of attack. That’s why
Community Empower has developed a 4-step strategy that offers current
and retired National Guard members and their families exclusive
financial benefits.
4-Steps To Achieving Your Financial Goals
1.
Prepare your family budget to meet
your current and future financial goals.
2.
Protect your family’s finances before,
during and after deployment.
3.
Repatriate yourself financially
upon the return to civilian life.
4.
Plan for life after the Guard and create
generational wealth as a legacy to your loved ones.
4-Steps To Achieving Your Financial Goals
Step 1: Prepare for future financial goals.
Analyze and improve your finances. Specially trained
counselors from Community Empower will analyze your
finances, and give you specific improvement advice.
Get pre-approved to purchase or lease-to-own a home.
Community Empower can pre-qualify you for a variety of
homeownership programs with special benefits for Guard
members and their families.
4-Steps To Achieving Your Financial Goals
Step 2: Protect your family’s finances
while you are deployed.
Maximize financial protections under the SCRA. Community
Empower will help you take advantage of the financial protection
and special privileges afforded to you under the Servicemembers
Civil Relief Act (SCRA).
Tap into your home equity for extra cash or debt reduction.
Your family may need a little extra cash or credit – especially while
you are away. One solution is to use the equity in your home for a
loan or line of credit
4-Steps To Achieving Your Financial Goals
Step 3: Repatriate yourself financially upon
the return to civilian life.
Increase your income by raising your credit score and lowering
debt. By reducing your debt and improving your financial situation, you
can essentially “increase” your income. Community Empower can show
you a variety of ways to accomplish this, from debt management to bill
consolidation.
Go to college or start a business. Getting some extra education, or
starting your own business is a great way to advance your career and
improve your income earning potential. Community Empower can help
you qualify for an education or consolidation loan.
4-Steps To Achieving Your Financial Goals
Step 4: Plan for life after the Guard and
create generational wealth as a legacy
to your loved ones.
Build generational wealth by purchasing or refinancing a home.
Owning a home is the most common way Americans acquire wealth.
National Guard members are eligible for special discounts for home
purchases and refinances.
Finance home improvements or buy a new car. You’ve earned the
right to enjoy life to its fullest. A home equity loan or line of credit
can help you make these dreams come true.
Avoiding The Secret Sacrifice
What is the “Secret Sacrifice?”
•
Millions of ordinary Americans will pay more
or be denied credit, insurance, rent or utilities
because of the growing use of the consumer
“Credit Score”.
•
In virtually every household budget a Secret
Sacrifice is being made by consumers as
creditors use low credit scores to justify
increased fees on the highest level of consumer
debt in history.
In The Example Above, Lori Is Paying $202 More Per Month Than Tim
She Is Sacrificing $2,424 Of Her Annual Income Due To Her Low Score!
Chart is for illustration purposes only.
Community Empower Offers Many Benefits:
Community Empower’s ScoreManager Provides:
•
Easily invoke SCRA protection
•
Stop making the Secret Sacrifice
and take home more of your pay
•
•
Discover your credit score and take
action to improve your score
Correct errors being reported on
your credit report
•
Learn which spending behaviors affect your
credit-worthiness so you can achieve your
financial goals
•
Forecast potential credit score
improvements over the next 12 months
•
Automatically pre-qualify to buy a home
•
Find out if you can Lease-to-Own a new
home while ScoreManager prepares you to
become the owner
Access Your Benefits Online
www.communityempower.com/guard
Click Here
To Get
Started
Access Your Benefits Online
Community Empower provides a comprehensive analysis.
View An
Analysis
For Both
Applicants
Credit
Score
Ranking
Budget
Analysis
Positive
&
Negative
Factors
Affecting
Score
Debt-ToIncome
Ratio
Access Your Benefits Online
CE shows you how to improve your credit.
Correct
Mistakes
On The
Credit
Report
Action Plan
Gives Specific
Improvement
Advice And
Projects
Score
Increase
Enroll In
ScoreManager To
Get Monthly
Action Plans
Click Here
To Invoke
SCRA
Forecast
Potential
Credit
Improve
ments
CE Offers
Many
Resolution
Programs
For More
Difficult
Issues
Access Your Benefits Online
CE pre-qualifies you for loans and homes.
The System
Alerts The
Consumer
When They
Have
Become
Qualified
For A Loan
or Lease!
With Just
One Click
The
Customer
Is Referred
To A Loan
Officer
Consumers
Can Also
Check-Out
Special
Offers On
Homes.
How Do I Get Started?
Enroll Online or Call.
Taking advantage of these exclusive benefits is easy. Enroll at the web site
below to get expert advice and help to get you started.
www.communityempower.com/guard
or call 800-816-2586