Mission: Affordable Housing Concepts, Inc., (AHCI) was founded in 1996. It grew out of a need for more options and organizations interested in assisting American citizens achieve the American dream of home ownership. There is still a segment of America that is still outside the normal framework for purchasing a home for themselves and their families. The process seems too complicated for them and the processors do not seem interested in assisting them if they need it. Possible credit problems, or a lack of credit, discourage them. The lack of adequate down payment or closing cost funds also discourages them. AHCI believes that with some counseling, education, patience, and caring that most Americans can achieve this dream.