Credit is the door. A home you can afford is the room.

We help families across Pierce and King Counties repair credit, build savings, and qualify for a mortgage — then we build the homes priced for them to actually buy. Education is free. Always.

START WITH A FREE SESSION SEE OUR PROGRAMS

No advance fees. No credit pull without your written permission.

What the path looks like

We pull all three credit reports and build a written plan with you.

You work the plan with a coach — disputes, budget, savings, debt order.

III

Homebuyer education and lender prep until you are genuinely loan-ready.

You buy — often a home CHARGED built, priced to stay affordable.

OUR MISSION

Getting mortgage-ready is only half the problem.

Financial education organizations produce qualified buyers. Housing developers produce units. The two rarely coordinate, and families fall through the space between them. A household raises a credit score ninety points, saves a down payment, gets pre-approved — and then finds nothing in the county priced within reach. The work was real. The outcome wasn't.

CHARGED does both jobs, because doing one without the other leaves people exactly where they started.

We teach credit, budgeting, and homeownership readiness to low- and moderate-income households at no cost. We also acquire land and build starter homes, accessory dwelling units, and small infill housing priced for the families we just prepared — with affordability written into the deed so it survives the next sale.

HOW WE HELP

Three programs, built to hand off to each other

Most organizations do one of these well and refer you elsewhere for the rest. We hold the whole path.

Credit & money management

Coaching that starts with your actual reports, not generic advice.

All three bureau reports read with you
Written dispute and rebuild plan
Budget, savings, and debt sequencing
Banking access for the unbanked

BOOK A FREE SESSION

Homeownership

Education, lender preparation, and the homes themselves.

First-time homebuyer education
Down payment and closing support
Starter homes, ADUs, and infill builds
Shared equity and resale restrictions

FIND YOUR NEXT STEP

Contractor capacity

Money spent building affordable housing should stay in the neighborhood.

Bid preparation and estimating help
Licensing, bonding, insurance guidance
Access to CHARGED project sites
Support for MWBE and veteran-owned firms

GET ON OUR BID LIST

FIRST-YEAR TARGETS

We're new. These are goals, not results.

Plenty of organizations put numbers on a homepage without saying what they measure or when. Ours are targets for our first operating year, and we will publish what we actually hit — including the misses.

250

Households through free financial education

Participants reaching documented mortgage readiness

Affordable units in predevelopment or construction

100%

Related-party contracts competitively bid and disclosed

ACCOUNTABILITY

We publish what most organizations bury.

Our founder owns for-profit companies in credit education and general contracting. That is disclosed here, in our IRS application, and in every board minute — not discovered later.

Any contract between CHARGED and an affiliated company requires competitive bids, recusal by the interested director, and approval by independent board members with no financial stake.

REQUEST OUR GOVERNANCE PACKET

Articles of IncorporationPUBLISHED

BylawsPUBLISHED

Conflict of Interest PolicyPUBLISHED

Board of Directors & affiliationsPUBLISHED

Client Bill of RightsPUBLISHED

IRS Form 1023FILED — PENDING

Annual Form 990AFTER FIRST YEAR

Independent financial reviewSCHEDULED

LEADERSHIP

Built by people who lived the problem

CHARGED was founded by two people who came to the same conclusion from different directions: credit work and housing work only matter when they meet.

Jerrel Jones

FOUNDER & PRESIDENT

Jerrel spent decades in poverty before rebuilding his own credit, buying property, and starting three businesses in Washington State. He is a licensed general contractor, a credit educator, a member of the Bank On Washington committee, and the author of Against All Odds: The Rise of Jerrel Jones.

CHARGED grew out of a pattern he kept seeing in his coaching work: clients would do everything right, become genuinely mortgage-ready, and then find that nothing in their price range existed. Fixing that meant building the homes too.

Tierra Bonds

CO-FOUNDER & VICE PRESIDENT

[Two to three sentences on Tierra's background and the work she leads at CHARGED. Name the experience that makes her the right person for this — the programs she will run, the communities she has worked with, the credentials that matter to funders.]

[One sentence on why she co-founded CHARGED, in her own framing.]

PARTNERSHIPS

For banks, housing authorities, and funders

CHARGED is structured to be an easy partner: independent board majority, written conflict policy, competitive bidding on every related-party contract, and board composition built to meet CHDO requirements from the start.

Financial institutions

Sponsor an education cohort or fund down payment assistance. Delivery is documented per participant and reporting is built for CRA examination rather than assembled afterward.

Public agencies

We deliver readiness programming for voucher homeownership and first-time buyer initiatives, and we develop the units. One partner, one point of accountability.

Foundations

Fund a program line or a specific development. You get named-grant reporting, participant-level outcomes, and open books on how the money moved.

GET STARTED

Start where you are.

Tell us what you need and we will point you to the next class, the next opening, or the right partner. Most people hear back within two business days.

NAME

WHAT BRINGS YOU HERE

We never sell or share your information, and we don't pull credit without written permission.