Socially Conscious Investments (SCI) facilitates home ownership among people who have been locked out of the banking industry due to credit and other qualifying issues. We believe there is more to a person than his or her FICO score. Much like the old community banks of yesterday, we look at the whole person to make our underwriting decision. As a result we have a very low borrower default rate even though we provide opportunities for people whom mainstream banks would reject. In fact, we have a lower borrower default rate than every national bank. Our approach is hands on, and is structured to help the individual through education and personalized support. We recognize that getting to know our clients is an important part of why our system works.
Look to us for:
Careful screening of home buyers
Thorough inspection of properties
Knowledgeable people “on the ground” in the region
A consistently expanding network of realtor/real estate agents, contractors, and title agents
Agents have a wider diversity of clients with whom they can work