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Effective May 31, 2020 mpowered is closed. We are grateful for the community‚Äôs support in our work to empower people to transform their financial futures and encourage you to continue working towards Financial Security for all.   If you are interested in scheduling a no-cost financial coaching appointment, please contact the Denver Financial Empowerment Center at 720.944.2498 or
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In the context of today’s tight credit market and slow economy, buying or refinancing a home has become very difficult.  Even families with excellent credit, stable employment and equity in their homes are having trouble getting approved for financing.  It’s no longer possible to get a home loan with a click of your mouse or a single call to your local bank. 

Today, families must spend considerable time planning and preparing for homeownership. 

There are five major factors that lending institutions consider when you apply to purchase or refinance a home:

  1. Your Credit Score
  2. Your Debt-to-Income Ratio
  3. Your Equity or Down Payment
  4. Your Savings/ Liquid Reserves
  5. Your Employment Type and History
  6. Value of the Property

Mpowered works with families who are preparing to purchase or refinance a home through our financial coaching program.  Our coaching sessions focus on the financial preparation required to become a homeowner including guidance on how to improve your credit rating and your debt-to-income ratio.

Call us at (303) 233-2773 or complete an online contact form to learn more!