A Letter from our CEO

To our friends, future, and current:

Home ownership is a critical component of a stable and equitable society.
CFI exists to promote responsible homeownership in the Detroit Metro Area. At present there are many economic factors are working against the middle class. Home ownership is one of the pillars of a stable community, yet many individuals and families are finding the barriers to owning their own home insurmountable.

CFI provides a path to home ownership for disenfranchised prospective purchasers locked out of the banking world, due to credit and other qualifying issues. We know our market and we know how to help home buyers be successful. When our company is involved in a transaction, we provide much more than financing. We partner with each client to provide ongoing support to enhance their opportunity for success.
Consider the following:

Families who own their own home are far more likely to see their kids graduate from high school. More likely to see their kids go to college AND graduate. Less likely to see their kids detained by the criminal justice system. They are more likely to retire in financial comfort, less likely to divorce and more likely to be an asset to their community. They are less likely to require public assistance, more likely to live long and healthy lives, and less likely to become homeless.

Homeowners are less likely to become crime victims. Homeowners are less likely to commit crimes.

Daughters of homeowners have a much lower incidence of teen pregnancy. Sons of homeowners have a lower delinquency and incarceration rate.
Homeowners learn beneficial financial skills, discipline, and strategies which are then passed onto their children. The children of homeowners earn more money as they grow up and are more likely to own a home of their own someday. Home ownership breaks the generational cycle of welfare dependence and poverty.

The young children of homeowners tend to have higher skill achievement in both reading and math. They tend to have fewer behavioral problems. The children of homeowners transfer from school to school far less often because their parents move less often contributing to better educational outcomes. Any strategy designed to improve educational outcomes for children is not complete without consideration of increasing home ownership within the community.

Homeowners typically maintain their property better than landlords contributing to increased neighborhood values and stability.
The evidence is compelling. Home ownership makes a difference.

CFI exists to help make that difference a reality for more families.

Rick hiking half dome 2012
Rick Webster
Socially Conscious Investments, LLC

Note: Source material for all above statements and claims available upon request.