WELCOME from the National Executive Director BorrowSmart, a 501 (c) (3) non-profit, is focused on educating homeowners about the home equity borrowing process. Since 2001, we and our partners have been actively engaged in the communities we serve. We provide financial literacy education and information for consumers so that they can leverage the equity they have accumulated in their homes for expanding family needs such as home remodeling, education or to start a new business. BorrowSmart also works with legislators, credit and housing counselors and other financial partners to get needed information and educational materials to homeowners. This year, BorrowSmart greatly expanded our national reach. As we have traveled across the country for meetings and partner trainings, one thing remains crystal clear, we have the opportunity to be on the forefront of providing excellent financial literacy education which is more important now than ever before. All of our partners have made significant financial contributions in allowing us to offer new training entitled, “Saving Our Communities, One House at a Time.” Each of our partners has our deep appreciation for their continuing support. As we have grown, we have focused our efforts in four key empowerment areas: Home Ownership Retention Foreclosure Prevention Financial Literacy Economic Empowerment This year, we are implementing our development plan with the ambitious goal of raising $10 million over the next 36 months. The staff and I are working diligently to clarify our message so that everyone is saying and hearing the same thing across the country – whether we are in casual conversation or speaking before a large audience. Join us as we expand our programs and services by foraging new national alliances and partnerships. The time is now to become a partner of BorrowSmart! Lisa Bouldin-Carter

BorrowSmart Public Education Foundation provides the knowledge, skills and tools home equity borrowers need to gain financial literacy and "borrow smart." Established in 2001, BorrowSmart and its partners empower consumer equity borrowers through lenders, credit counselors, regulators and direct contact by providing free information and education that leads to open access to available credit for all homeowners.

BorrowSmart Public Education Foundation will grow to a national presence and be recognized throughout the housing and financial communities for its educational programs and services to reduce the national foreclosure rate among home equity borrowers. BorrowSmart programs will create smarter home equity borrowers and more home ownership retention across America.