Homeownership for

Public Service Heroes

You give your all—teaching, protecting, healing, and supporting the community every day.

Now, with help from Buyers in Blue, you have the opportunity to own a home in the same neighborhoods you serve with pride.

Let’s Find Your Way Home!

Buyers In Blue Members Login Here

A Place to Call Home

Right Where You Serve

As a public service professional, you dedicate your time, energy, and heart to keeping your community running—whether you're teaching in classrooms, responding to emergencies, keeping our streets clean, or supporting vital city operations. Now, with the help of Buyers in Blue, you have the opportunity to own a home in the very same community you serve.

Offered by There’s No Place Like Home Homebuyers Club (TNPLH), a 501(c)(3) nonprofit consumer credit counseling agency, Buyers in Blue helps Georgia’s essential workers take control of their finances with personalized credit guidance, practical strategies, and real solutions.

This isn’t just about fixing credit—it’s about empowering you with the knowledge, tools, and support to build lasting financial stability and make homeownership possible.

From credit to clear-to-close, we’re here to support the people who support everyone else.

Get Mortgage-Ready!

Homeownership for Heroes

Serving the Community Deserves More Than a Paycheck—It Deserves a Place to Call Home

Every day, you show up for your community—with courage, compassion, and commitment.

Buyers in Blue was created to return the favor, helping Georgia’s hometown heroes like you—first responders, teachers, nurses, city workers—become homeowners in the neighborhoods you serve.

Because when you live where you serve, you don’t just build a life—you build a legacy.

We’re here to guide you every step of the way.

Why work with us?

Because you deserve guidance you can trust.

Buyers in Blue was built for public service professionals—like you—who need real support, not just empty promises. We offer clear, practical credit solutions that are 100% virtual, completely personalized, and designed to meet you where you are.

No jargon. No judgment.

Just honest help from people who are here to serve you—while you serve others.

Why Homeownership Matters

Why Homeownership Matters

Owning a home isn’t just a financial decision—it’s about connection, stability, and pride. When you live where you work, you're not just investing in property—you’re investing in people. You’re planting roots, building relationships, and strengthening the community you serve every day.

Buyers in Blue is here to help make that possible. Whether you wear a uniform or not—whether you’re in a patrol car, a classroom, an ambulance, or a local clinic—you’re more than your profession. You're mentors, neighbors, and role models shaping the places we all call home.

And sometimes, you’re just a familiar face in everyday clothes—one more thread in the fabric of the community.

Get Mortgage-Ready!

SMARTERcredit Begins with a Plan—Let’s Build Yours.

Start Here!

What Makes Buyers in Blue Different?

You don’t need perfect credit to get started. Our exclusive SMARTERcredit™ program was built to help everyday heroes take control of their finances and build the strong credit needed for homeownership success.

Schedule a Consultation. We'll assess your financial needs and create a tailored plan for your success.
Monitor Progress Monthly. Stay informed with regular updates tracking your credit improvement journey.
Apply Actionable Steps. Receive clear, practical steps to enhance your credit and financial health.
Recover & Rebuild Credit. Address past setbacks and strengthen your credit with the right resources.
Transform Financial Habits. Develop smarter spending and borrowing practices for lasting success.
Educate & Empower Yourself. Gain the knowledge needed to make informed financial decisions.
Realize Tangible Results. Improve your credit score and unlock better financial opportunities.

Our Approach to Credit Improvement

Step 1

Sign Up & Meet Your Counselor

Your journey begins with a free credit consultation and analysis. A TNPLH counselor will work with you to review your credit profile, identify factors affecting your score, and create a personalized plan to help you move forward.
Step 2

We Do the Work

Our team handles the heavy lifting, using proven strategies to challenge negative items on your credit report. At the same time, we educate you on how to use credit properly so you can speed up the credit improvement process and build a strong financial foundation.
Step 3

Track Your Progress

Every 30–35 days, you’ll receive updates on your credit improvement progress through your secure portal. This portal keeps you engaged and informed every step of the way—nothing is done without you. We empower you with the knowledge to maintain and improve your credit long-term.
Step 4

Ongoing Education

Financial success extends beyond credit repair. To support your journey, we provide a series of informative emails and online courses covering topics such as credit management, budgeting, loans, credit cards, interest rates, and more. These resources are designed to empower you with the knowledge needed to make informed financial decisions.
Step 5

Congratulations on completing the SMARTERcredit program!

To further support your financial growth, we invite you to explore our online Education Portal and Resource Page. Here, you'll find a wealth of resources, including tools and services, designed to assist you in making informed financial decisions. By leveraging these resources, you can continue to build a strong financial foundation and achieve your long-term goals.

MEMBERSHIP BENEFITS

A Written

Credit Analysis

Analyzing your credit is crucial for homebuyers. Your credit is one of the key components’ lenders use to establish how much to lend. I will fully evaluate what your credit looks like and offer you a written analysis (in plain English) of what it all means.

Client

Portal

Each month you will receive an update on where you started and how far you’ve come! Progress happens over time, so this video provides a visual of your journey from start to finish. Log into your client portal to review your progress.

Monthly Credit Building

Is your credit not so good? Your credit is your ticket to a new home, and I will help you understand the next steps to repair your credit. Using my expert knowledge, I will guide you step-by-step to get your credit in your favor.

Recommendations For Credit Building Products

I have worked with many people to improve credit and put them in their dream homes. There are so many products out there that can be useful but wading through them can be overwhelming. I will make recommendations for a variety of credit building products that will meet your specific needs.

A One-On-One Budget And Credit Coaching Session For Up To 120 Minutes

With your membership, you have the benefit of my time and expertise. I offer personalized 1-1 budget and credit coaching sessions with you to make sure you are staying on the path to homeownership.

A Money Habitude Game To Determine Your Financial Personality

Everyone experiences money differently throughout their lives. It’s important to recognize your financial personality. Understanding your relationship with money is easily explained through a simple game designed to help you discover how, where and when you spend so you can be sure to stay financially healthy throughout your life.

Ongoing Financial Education Via Email

Membership has its perks! You will receive member-exclusive emails helping with tips to continuously educate you about your finances and keep you earning and saving while repairing and improving your credit.

Student Loan

Coaching

Have student loans? Allowing student loans to dominate your financial life for the rest of your life is a very real possibility if you aren’t careful with your finances. I offer coaching to help you pay off student loan debt in the quickest and cheapest way possible.

A video review Of Your FICO Credit Report Before Applying For A Mortgage Loan

When you apply for a mortgage loan, lenders will look at your FICO credit report. You will be ready to talk a serious game and understand the numbers following our video review of your credit report, giving you an edge prior to applying.

An A-to-Z First-Time Homebuyer's Guide

The First-Time Homebuyer’s Guide is an essential piece of the homebuying puzzle and is included for free with your membership. It walks you step-by-step through the process of buying a home in simple terms that are easy to understand.

A First-Time Homebuyer's Roadmap

A picture speaks a thousand words and so does the Homebuyer’s Roadmap. This Roadmap easily guides you through each phase of the home buying process, so you don’t have to guess what comes next.

A Self-Paced Homebuyer's Course

Buying a house is a huge investment. Some people like to get the job done quickly and others like to take it slow. When you enroll in your self-paced homebuyer’s course, you can take all the time you need to process and review the steps you need to take.

A TNPLH First-Time

Homebuyer's Guide

Are you a first-time home buyer looking for even more information? We have a comprehensive guide for your reference available as our git to you. This guide is full of answers to a vast collection of questions you may have.

A TNPLH Closing Gift

Yay! You finally closed on your dream home. We will send you a closing gift to celebrate your new house. Congratulations!

READY TO ACHIEVE YOUR DREAM OF HOMEOWNERSHIP?

The Yellow Brick Road package offers everything you need—credit-building services, personalized advice, and monthly updates—to improve your credit and confidently move toward homeownership. Whether you're an individual or a couple, this plan provides tailored support to help you stay on track and achieve your goals.

Get $600 Back at Closing When You Use Our Preferred Lender

We’ve partnered with a trusted lender to help make your homebuying journey more affordable. When you work with our preferred lender, you’ll receive $600 back at closing—just our way of helping you save a little extra.

THE YELLOW

BRICK ROAD

Individual

Ready to achieve your dream of owning a home? The Yellow Brick Road package offers everything you need—credit-building services, personalized advice, and monthly updates—to stay on track.

This plan is ideal for individuals seeking support to improve their credit and confidently move toward homeownership.

SIX MONTHS

$1200 ($600 down &

$200 a month for 3 months)

Individual Payment Plan

Select

THE YELLOW

BRICK ROAD

Couples

Ready to turn your dream of owning a home into reality—together? The Yellow Brick Road package is made exclusively for couples who want top-notch support on their journey. From building your credit to getting personalized advice, we’ve got everything you need to make your path to homeownership smooth and successful.

This plan is ideal for individuals seeking support to improve their credit and confidently move toward homeownership

SIX MONTHS

$1800 ($900 down &

$200 a month for 4 months)

Individual Payment Plan

Select

CLIENT REVIEWS

"Good morning Ms. Dolores I'm just letting you know that I will be closing on March 20th."

"We got approved! And we got the house we were going for."

"They started on my new home."

""Very professional, best choice in credit repair. Her credit advice was unlike the traditional counseling. I’ve seen drastic changes in my score in a short period of time. I will recommend her to everyone I know. She has a client for life with me."

"...I am meeting with my builder tomorrow evening. I am so excited to discuss what my brand NEW house will look like inside. Thank you so much! I'll always tell others about you, but unfortunately, their mindsets must be ready."

"When I started working with Dolores Sherman my credit was a mess but within 6 to 9 months my credit is near 700 score. Now I'm on the road to getting approved for a home loan and obtaining a home of my own. Than you for your help!"

"Dolores Sherman is a gift to the body of Christ through her uncanny ability to give financial advice and guidance to her community. For instance, Dolores advised me to call my student loan company to check for updates; 200k dollars was removed from my loans. In another instance, a young man's credit score went from 500? to 700+. He is now buying his first home. I encourage anyone to take advantage this opportunity in the person of Dolores Sherman. She is a Godsend."

"Dolores is simply put amazing! After our virtual link, it was evident that she was in the business of helping people. With a brief assessment, Dolores determined that my issue was not credit repair but credit building. I had been working on my own to improve my credit but to no avail nothing happened. Immediately after I started working with TNPLH, my credit started moving, letters came in, I received responsive correspondence from the credit bureaus, and they were listening. My credit has been restored, and I settle on my house next Monday! It took Dolores, and I am forever grateful She's one of the good ones. Open, Honest and wanting everyone to succeed, I will continuously recommend her!"

"The team is very diligent with working with you to raise your score and “clean up” your credit report. I made some bad decisions when I was younger that caused my credit to be in disarray, but the ladies here got me back on track and now my score is the highest it has ever been and I’m a great position for future property ownership. Aside from that they are caring and more than helpful when it comes to explaining how things work and answering questions. I have learned SO MUCH about my rights as a consumer. I highly recommend the investment"

Let’s Build Your SMARTERcredit Plan

You’ve spent your career serving others. Now it’s time to focus on your goals.

With SMARTERcredit, you’ll get the guidance, tools, and support to strengthen your credit, improve your finances, and prepare for confident, mortgage-ready homeownership.

Because you deserve more than a place to live—you deserve a place to truly call home.

GET MORTGAGE READY!

Buying a home is one of the most significant purchases in a lifetime. Therefore, it is essential to have an experienced team in your corner, always looking out for your best interest.

Ask about our FREE referral program to experienced, local Mortgage Loan Officers and Realtors ready to assist!

SMARTERcredit Begins with a Plan—Let’s Build Yours.

There's No Place Like Home Homebuyer's Club

Start Your Plan Here!

Frequently Asked Questions

get to know us.

We know you have questions, and we're ready with the answers.

What is SMARTERcredit™ and how does it help me buy a home?

Who qualifies for the Buyers in Blue program? Buyers in Blue is designed for public service professionals—including teachers, first responders, medical personnel, sanitation workers, and municipal employees. If you work for a county or city agency and serve your community, you likely qualify!

What is SMARTERcredit™ and how does it help me buy a home? SMARTERcredit™ is our step-by-step financial coaching program designed to improve your credit, strengthen your budgeting habits, and help you become mortgage ready. We offer education, tools, and personalized guidance to prepare you for long-term homeownership success.

How is SMARTERcredit different from traditional credit repair services? Unlike for-profit credit repair companies, SMARTERcredit is education-driven and focused on long-term financial health. We don’t offer quick fixes or make false promises. Instead, we provide ethical, nonprofit credit counseling to help you build and maintain good credit.

Do you guarantee that my credit score will increase? No, we cannot guarantee specific results because credit improvement depends on many factors, including your credit history, financial habits, and adherence to your SMARTERcredit plan. However, we do provide the tools and strategies you need to make informed financial decisions that can positively impact your credit over time.

Credit & Financial Impact

How long does it take to become mortgage-ready? Every journey is different, but many of our clients see meaningful progress within just a few months. With consistency and the right support, you could be ready to buy sooner than you think.

Can SMARTERcredit remove negative items from my credit report? We help you understand your credit report and dispute any inaccurate or outdated information where appropriate. However, we cannot remove accurate negative items—no legitimate company can.

Will using SMARTERcredit help me qualify for a loan? We do not offer lending services, but improving your credit can increase your chances of qualifying for loans with better terms. Your SMARTERcredit counselor can help you develop a plan to strengthen your creditworthiness over time.

Getting Started

How do I sign up for SMARTERcredit? Getting started is easy:

1️⃣ Click the link and to start your SMARTERcredit plan.

2️⃣ Schedule a virtual consultation at a time that works for you.

3️⃣ Meet with a SMARTERcredit counselor to discuss your plan and take the next steps toward better credit.

Everything is 100% virtual and designed to fit your schedule.

Is this program free? The full cost of the Buyers in Blue program is $1,200 or $1800 for a couple, which includes personalized financial coaching, credit support, budgeting guidance, and homebuyer readiness tools. We offer a flexible payment plan, and if you use our preferred lender, you’ll receive a $600 reimbursement at closing—cutting your cost in half.

Is SMARTERcredit available in all states? Currently, SMARTERcredit is available for Georgia residents only. If you're outside these areas, we encourage you to check with local nonprofit credit counseling agencies for support.

Working With SMARTERcredit?

❓ Will I work with a real person? Yes! SMARTERcredit offers personalized, one-on-one support. You'll work with a trained credit counselor who will guide you through your customized credit action plan.

❓ Can I access SMARTERcredit on my phone? Yes! SMARTERcredit is 100% virtual, so using our mobile app you can access your plan, resources, and counseling sessions from your phone, tablet, or computer—whenever it’s convenient for you.

❓ What happens after I complete the SMARTERcredit program? Once you complete your personalized action plan, you’ll have the knowledge, tools, and financial habits to take the next step toward homeownership. You'll also be introduced to a trusted preferred lender and gain the confidence to make informed decisions that support your long-term financial success.