About
Welcome to No Shame Pathway
About No Shame Pathway
Are you dreaming of owning a home but feel held back by credit challenges, financial uncertainty, or a lack of knowledge? Do feelings of shame, fear, or doubt prevent you from even starting the process? You're not alone. Many aspiring homeowners face these hurdles, but United Credit Education Services (UCES) offers a powerful solution. UCES understands that the path to homeownership isn't just about finding the right house; it's about building a solid financial foundation. We empower you to take control of your financial situation by providing the tools and education you need to:
- Understand and improve your credit: Credit scores are a crucial factor in securing a mortgage. UCES helps you identify and address inaccuracies or negative items on your credit report, and guides you in establishing positive credit habits.
- Gain financial literacy: We provide comprehensive education on budgeting, debt management, and financial planning, equipping you with the knowledge to make informed decisions.
- Overcome obstacles: We address the root causes of financial anxiety, helping you develop a confident and proactive approach to achieving your goals.
UCES isn’t just a credit service; it’s a pathway to empowerment. We believe that everyone deserves the opportunity to achieve homeownership, and we’re committed to providing the support and guidance you need to succeed.
Why Sign Up Today?
Take Control of Your Credit: UCES empowers you to understand and improve your credit score, a critical step towards qualifying for a mortgage and securing favorable terms.
Gain Financial Confidence: Through personalized education and support, UCES equips you with the knowledge and tools to manage your finances effectively, reducing anxiety and increasing your confidence in your ability to achieve homeownership.
Unlock Your Homeownership Dreams: UCES provides a clear roadmap and ongoing support, guiding you through every step of the process and helping you overcome the obstacles that once seemed insurmountable.
Jacquelyn "Jackie" Smith
founded Atheria Mortgage Solutions with a mission to simplify the often-daunting world of mortgages. Her unique background provides her with unparalleled insight: for 10 years, Jackie served as a HUD-OIG federal auditor, responsible for scrutinizing lenders' mortgage processes. This experience gave her a deep understanding of the intricacies of home financing and revealed the need for a more client-focused approach.
Jackie understands firsthand how complex the mortgage process can be, and she founded Atheria to be the solution. Consider her your personal mortgage concierge, dedicated to providing clear guidance and support as you navigate the path to homeownership.
Mortgage expert
Years experience
Our Services:
- Home Purchase Mortgages
- Conventional Loans
- Fixed-Rate Mortgages
- Adjustable-Rate Mortgages (ARMs)
- Government-Backed Loans
- FHA Loans
- VA Loans
- USDA Loans
- Jumbo Loans
- Mortgage Refinancing
- Rate & Term Refinance
- Cash-Out Refinance
- Home Equity Products
- Home Equity Loans
- Home Equity Lines of Credit (HELOCs)
- Construction Loans
- Property & Casualty Insurance
- Homeowners, Condo, Renters, Flood, Umbrella, Auto
- Specialized Expertise
- First-Time Homebuyers
- Credit Improvement
- Self-Employed Borrowers
Atheria Mortgage Solutions
Our Service Areas
Intown Neighborhoods:
Midtown, Virginia-Highland, Decatur
Close-In Suburbs:
North Druid Hills, Brookhaven, Smyrna, Vinings
Northern Suburbs:
Alpharetta, Johns Creek, Roswell
Other Georgia Market
Other Georgia Market
The State
Feel free to ask any question to us
Have questions about your mortgage options or need expert guidance? We’re here to help! Whether you’re exploring refinancing, purchasing a new home, or tapping into your home equity, our team is dedicated to providing personalized solutions tailored to your needs.