Welcome to
Pure Hearts R Us
Housing Agency Website
If you are looking to join our, “Wow, I’m Home!” Program. To purchase a
home using down payment assistance and our counselors to provide a
road map for homeownership. Please click here and watch all of the videos
OUR CLIENT TESTIMONIALS
Awarded for doing what we do best
Awards from all over for all things good, we look to do the best in all aspects of our industry. With our team and your help we’ve achieved all the following awards. Thank you and we look forward to the next one!
Our mission is to help a Million people, like yourself, get into their home with down payment assitance.
And to create and improve the ability for the American families, specializing in low-to-moderate (0%-80% AMI) income families, to obtain, establish, and maintain housing
through financial and health education, partnerships with local authorities and builders, and business investments.
To see low-to-moderate (0%-80% AMI) families obtain their dream of homeownership through utilizing the Pure Hearts R Us holistic approach to homeownership. Pure Hearts R Us holistic approach instills and revitalizes the American dream of homeownership through empowering and educating these families with tools and services that support and ensure successful home ownership. This approach helps all American families achieve the American dream that they once believed was unobtainable.
Pure Hearts R Us has always been on the forefront of solving the housing problem in California. The unique and creative programs that PHRU utilizes with the community propels LMI individuals and families to actively pursue homeownership. To date, PHRU has helped over 1,500 individuals achieve homeownership.
Our programs support partnerships with community development objectives that align with Pure Hearts R Us goals. Pure Hearts R Us housing education programs are an investment in the California consumer base and provide state-of-the-art tools needed for both the pre-and post-purchase processes.
• A proven organization with a focus on improving the housing situation in California.
• Focus programs supporting veterans, elderly, and low-to-moderate- and middle-class-income earners.
• Award winning education programs centered on obtaining, retaining, sustainable homeownership and education.
• Innovative housing development programs that center on providing affordable homes to disenfranchised families and individuals in a creative and effective way.
• Helping families and individuals with down payment assistance.
Welcome to the “WOW, I’m Home!” Program
With Down Payment Assistance
Find Out Why Everyone Chooses Us
A proven organization with a focus on improving the housing situation in California.
Programs focus on supporting veterans, elderly, and low- to moderate-income, and middle-income households.
Award winning education programs centered on obtaining, retaining, sustainable homeownership and education.
Innovative housing development programs that center on providing affordable homes to disenfranchised families and individuals in a creative and effective way. Helping families and individuals with down payment assistance.
Please Make sure to watch all videos below for a full explanation of what we do and what we have to offer.
Pure Hearts R Us “Wow, I’m Home!” Commercial
Pure Hearts R Us Seminar Testimony
With Down Payment Assistance
Explaining Down Payment Assistance Video
Below is how you qualify for up to $100,000 for down payment assistance by completing the
“WOW, I’m Home!” program.
“WOW, I’m Home!” in 5 Easy Steps
Explaining the “Wow, I’m Home!” Homeownership Program
With Down Payment Assistance
Our goal is to put 1,000,000 low-to-moderate income families into their own homes and to
continue stabilizing our communities with our holistic approach. We have helped over 1,500 families and individuals with their real estate needs.
1. Convenient Online, in person, or by telephone Orientation!
2. Meet our friendly Counselor who will pull a soft inquire credit report to determine if you are mortgage ready! If not, no worries, kill debt, build credit coaching, will be provided for you!
3. Get Pre-Approved by the lender with our DOWN PAYMENT ASSISTANCE HELP! Yes, DOWN PAYMENT ASSISTANCE!
4. Enroll in our online, in person, or by phone Home Buyer’s Education Counseling! With a Housing Urban Development Certified Counselor.
5. Go Shopping for your new home with a realtor, get your offer accepted, Close on your home! (escrow)
Join our “Wow, I’m Home!” pre-purchase certification course live on zoom, in person, or
by telephone please register now starting August 19th 2025 (Click the link to purchase
and register) the cost of the class is $399. First Time Home Buyer’s Class. The Last
Class You Will Ever Need! To Purchase “Wow, I’m Home!” Class.
Join the “Wow, I’m Home!” Program
Be A Part Of “Wow, I’m Home!” Homeownership Team! Learn How to Qualify Up to
In Potential Down Payment Assistance
BUT DON’T JUST TAKE OUR WORD FOR IT. CHECK OUT WHAT PAST CLIENTS HAD TO SAY:
These clients came to us overwhelmed, stressed, feeling like it was impossible to eliminate debt at all, but found that with the right tools, working with an expert financial coach who is committed to their success, creating the right financial action plan, they could pay off thousands of debts without missing a beat.
AND NOW WE WANT TO HELP YOU DO THE SAME!
Kill Debt and Build Credit™ will help you attack paying off debt – while easily repairing your credit – so you can qualify for a home mortgage with ease.
Kill Debt and Build Credit (TM) will help you attack paying off debt- like, Negative items, tax liens, repossessions, judgments, foreclosures, short sales, bankruptcy, collections, charge-offs, hard inquiries, late or missed payments, Including student loans. While easily repairing your credit- so you can qualify for a home mortgage with ease.
Imagine if there was a financial expert, dedicated exclusively to your journey of eliminating debt for good, and providing you specialized guidance for rebuilding credit the right way…
Someone who is as committed to your success as you are, standing with you until you buy a home of your own…
A financial mentor who provides a one-stop place to address all of your financial and credit questions so you are not wasting hours trying to figure it out on your own.
Sounds amazing, doesn’t it? Just watch the video!
THIS IS WHY PURE HEARTS R US CREATED A SPECIALIZED FINANCIAL COACHING PROGRAM FOR SOMEONE LIKE YOU, WHO:
Kill Debt and Build Credit (TM) will help you attack paying off debt- like, Negative items, tax liens, repossessions, judgments, foreclosures, short sales, bankruptcy, collections, charge-offs, hard inquiries, late or missed payments, Including student loans. While easily repairing your credit- so you can qualify for a home mortgage with ease.
- Dreams of being a homeowner, but credit and debt is standing in your way;
- Needs the easiest path for paying off debt and increasing the credit score; or
- Doesn’t want to waste any more money or time trying to figure it out on your own.
If any of that sounds familiar and you are ready to eliminate debt or build your credit to achieve other financial goals but don’t know where to start…
WE INVITE YOU TO JOIN
KILL DEBT AND BUILD CREDIT
…a financial coaching program that helps you take all of the guesswork out of how to pay off your debt quicker than you imagined and build your credit so you can achieve other important financial goals — like buying a home. While working with one of our financial coaches, you will:
Create a customized financial action plan that will give you an exclusive blueprint for how to pay off your debt as fast as possible;
Identify the areas of your credit report that must be addressed including which debts to pay off, which ones you should negotiate and settle and which accounts you should dispute or request legal validation.
Receive done-for-you creditor letters that will help you dispute or validate old debt that may be keeping your credit score low.
Access financial resources that will help you gain complete control of your money – and stop living pay-check-to-paycheck for good.
As a bonus, all of our clients receive a Credit Secrets book (a $40 value) for free!
THIS BOOK IS A MUST-HAVE!
After saving their family from a financial disaster, Scott & Alison Hilton felt called to share with the world how they did it. In this new tell-all book, you’ll discover how one couple used faith, and a few simple strategies, to escape the hole they dug themselves into…finally taking control of their credit & finances… and their lives! Credit Secrets is a new book by authors Scott and Alison Hilton. The book offers in-depth information on how the Hiltons were able to beat the odds and take control of their credit and finances. The book was the subject of a recent Special Report, hosted by Larry King. Larry King is a paid endorser of Credit Secrets. Click on book to get your copy of Learn the Credit Secrets book.
Kill your debt and build your credit for good.
Now only $899/person
$3,999 value
The strategies provided during your Credit and Debt coaching sessions are the same that have helped thousands of others, who implemented their action plan, and paid off debt or improved their score.
BUT DON’T JUST TAKE OUR WORD FOR IT. CHECK OUT WHAT PAST CLIENTS HAD TO SAY:
These clients came to us overwhelmed, stressed, feeling like it was impossible to eliminate debt at all, but found that with the right tools, working with an expert financial coach who is committed to their success, creating the right financial action plan, they could pay off thousands of debts without missing a beat.
AND NOW WE WANT TO HELP YOU DO THE SAME!
WHO IS KILL DEBT AND
BUILD CREDIT FOR:
- Renters who want to buy a home;
- Anyone who is tired of debt weighing them down and wants to pay it off for good; or
- Anyone who wants to start building or repairing bad credit.
Using Your Credit Card
SO HOW DOES THIS PROGRAM WORK?
The Kill Debt and Build Credit financial coaching program starts with a 1-hour consultation that assesses your financial situation – your cash flow, debt, and credit report.
Together, we will examine all negative marks on your credit report for their validity or inaccuracy, and create a plan of action for addressing each debt correctly. This includes preparing certified letters to send to all three major credit bureaus – TransUnion, Experian and Equifax – requesting validation of each debt.
With a full picture of your current credit profile, your financial coach will help you create a debt pay-off strategy that will be easy to follow – moving toward eliminating your debt altogether.
From there, your coach meets with you monthly (for up to 2 years) to review progress, answer all of your financial questions and helps you troubleshoot any bumps you might encounter. These meetings can be in-person, by video or phone – whichever is convenient for you.
If you are ready to eliminate your debt, here’s what you’ll need to do:
- Click the “Get Started Now” button to make an appointment.
- Check your inbox for your confirmation.
- Meet with your coach.
- Follow the action plan.
- Utilize the additional financial resources to work toward goals.
- Stay in contact with your coach.
Home Maintenance
At Pure Hearts R Us we provide continuing guidance through our Post-purchase Counseling program. This counseling service is offered in one-on-one sessions that provide you homeownership support and information that will help to make the homeownership experience a fully rewarding one.
What is Included:
- Discuss home routine home maintenance.
- Assistance with foreclosure prevention should you find yourself at risk or behind on your mortgage.
- Financial analysis for helping resolve other financial concerns as it relates to maintaining sustainable homeownership.
- Financial Life Planning will arm you with a simple but thorough action plan for assured homeownership and life-long financial success.
We want to help you maintain a stable, stress-free position to protect and enjoy your large investment.
10 Reasons You Want to Maintain Your Home
1. As a homeowner, caring for and maintaining your home is an important
responsibility. Regular upkeep can prevent costly problems from arising,
make mechanical systems last longer and have a positive impact on
your home’s value. Maintenance will cost you time and money, but it
can protect your home’s value and ensure the comfort and safety of
your family.
2. To help you plan for home maintenance costs:
3. Set aside time and money. You’ll need to ensure you plan for the
necessary resources needed to maintain your property, such as lawn
care, gutter cleaning, appliance upkeep and more.
4. Plan ahead for major purchases and home improvements. If you know
your roof, for example, will need replacement in a few years, be sure to
make this part of your savings plan now.
5. Take periodic inventory of your home’s appliances, roof, decks,
etc. Take note of when warranties end, the age of certain features and
when manufacturers recommend replacement.
6. Make sure your insurance is active and current. By maintaining an
adequate amount of homeowner’s insurance (generally the cost to
rebuild your home if damaged or destroyed) you’ll have the protection
you need for serious damage or a disaster.
7. Longevity and Durability.
8. Regular maintenance ensures that the different elements of your home
las longer.
9. Cost Efficiency
10. Property Value
Please Join Our Next Home Maintenance Workshop
Real Estate Services
What is Included:
REAL ESTATE SERVICES
- Purchases, Brokering and Client Representation
- Acquisition, Rehab and Sale of the Property
- Commercial Development
- Short Sales
- Search Properties
- Listing Notifications
- Home Valuation
Boots Across America
Pure Hearts R Us is dedicated to providing financial education and homeownership services and support to military personnel and their families throughout America. With the help of a strong network of professionals and volunteers across the nation, Boots Across America continually searches for ways to support to military personnel and their families through the inevitable fluctuations of economic and political climates. As Certified Military Home Specialists, Pure Hearts R Us’ certified housing counselors help our military servicemen and women achieve affordable and sustainable homeownership. Children of veterans and military personnel are eligible to take our youth financial education for workshops for free. And their families can receive free Financial Life Planning as well. If you are in the military or family member, please join us our next workshop and go to the event calendar to register or fill out the form below.
Real Estate Development
StoneRock Construction has been in the commercial and residential housing market for several decades. They will provide a comprehensive approach to the construction portion of the project. Their team consists of project managers architects, suppliers, foreman, construction coordinator, administrator, and project owners. This team provides end to end solutions through the construction process. To learn more about StoneRock Construction, visit www.stonerockconstruction.com.
Pure Hearts R Us continues to make a positive impact on the California housing market. PHRUS is always looking for innovative programs that can deeply impact the LMI, veteran, and senior communities and create new homeowners. For PHRU to make
these impacts, it requires sufficient funding. LEARN MORE
Foreclosure Counseling
Foreclosure Prevention Education- Is an educational program targeting the prevention of
foreclosure and avoidance of homelessness.
Whether you are behind on your mortgage, or your payments have become unaffordable due to a change in your finances, talking to a Pure Hearts R Us counselor can help you find the right solution for you.
During a free and confidential counseling session, your Pure Hearts R Us counselor
can help you navigate the paperwork, state services, and lender requirements. We will
also help you identify the correct programs and services that can offer immediate impact
to help as well as provide you with access to financial counseling to help to reach your
financial goal.
A counselor will collaborate with you until you have reached your financial Even after
Bankruptcy, Foreclosure or Short Sale You have a 3 Year period to qualify! Credit Counseling availability!
Youth Financial Services
To create and improve the ability for the American families, specializing in low-to-moderate (0%-80% AMI) income families, to obtain, establish, and maintain housing through financial and health education, partnerships with local authorities and builders, and business investments.