Community Ladders is a consumer protection and financial planning organization. We provide affordable, one-on-one, financial planning and advisory services for every stage of life. As a trusted partner in building your wealth, we take a holistic approach to planning and make a long-term commitment to advising.

A radical departure from the typical corporate financial services firm, Community Ladders is a social business devoted to consumer protection, group bargaining power, and upward mobility. As our membership and movement grows, we will provide or negotiate a full range of vetted and safe financial products for our community members. Learn more »


Now offering one-time advising sessions on home refinancing and home buying.

Although Community Ladders continues to have a wait list for financial planning memberships, we are offering one-time sessions on home refinance advising and home buying to non-members. Conventional and government (FHA and Veterans) can be covered. We will talk about how to position and qualify yourself for the best package, select the best loan structure given your finances, shop around and evaluate offers, and resist smooth sales pitches. These sessions are available in-person, via telephone, or via Skype. Email us at to schedule a session.

Home Refinancing

Given historically low interest rates, refinancing can make a lot of sense under certain circumstances. There are great programs for conventional loans, government (FHA and Veterans), and underwater mortgages. However, there are a lot of potential pitfalls. There are many financial considerations, a lot of misinformation, and the commission-based industry is not nearly as reformed as one would hope. For instance, while a lot refinancings can be done at no cost to you, it doesn’t mean that that particular package is in your best interest. Sessions typically last 30 minutes and are $30. Email us at to schedule a session.

Home Buying

Learn what programs are available and appropriate for you, including conventional and government programs, with down payment options ranging from 0 to 25%. We will discuss the true costs of home ownership, things to consider when shopping for a home, and how to mentally and financially prepare yourself for the process. We will also cover the mechanics of applying and qualifying for a loan. Sessions normally last 1 hour and cost $65. Email us at to schedule a session.