Juan + Rachel
In one year renting through Bedrock, Juan and Rachel paid off close to $10,000 in debt while creating more room for their family.
The Bedrock
Program.
Bedrock combines affordable housing, intentional financial goals, and accountability so people serving in ministry can create margin and build toward greater stability.
See How It Works
Who Bedrock serves
Bedrock intentionally serves households where at least one person works in ministry. The program is designed for people who need financial margin and are ready to work toward clear financial goals.
Bedrock currently centers its work in the Charlotte area.
How the program works
Rent
Residents sign a lease and pay rent, generally structured around 20 to 25 percent of household income.
Housing Support
Bedrock provides support that reduces the effective cost of housing and creates monthly margin.
Financial Goals
Residents direct that margin toward goals such as debt payoff, savings, and preparation for homeownership.
What Bedrock asks of residents
The program is built around participation, clear goals, and accountability.
Name the goals
Applicants identify the specific financial goals they want to work toward.
Build the budget
Before move-in, residents rework their budget and show how their margin will support those goals.
Commit to the process
Residents sign an agreement that lays out program expectations and mutual commitments.
Check in
Four progress check-ins focus on housing and financial goals, savings, debt payoff, and other relevant milestones.
How long the program lasts
The journey varies by household. Some residents may reach their goals in about two years. Three to four years is a common range, while more complex situations may take closer to five.
Bedrock is designed to create enough time and structure for progress that can last beyond the program.
Resident experiences
Colin + Cami
Over roughly two years, Colin and Cami tackled debt, began saving, and eventually purchased a townhome.
Frequently asked questions
Do residents still pay rent?
Yes. Residents sign a lease and continue paying rent. Bedrock's housing support helps reduce the overall burden so monthly margin can be directed toward financial goals.
Do I have to work in ministry?
At least one person in the household is expected to work in ministry. Bedrock's current program is intentionally designed around people serving through churches and ministry related work.
How long does the program last?
The timeline varies. Some journeys may take around two years, while three to four years is common and more complex situations can take closer to five.
What kind of financial accountability is involved?
Residents identify goals, build a budget around those goals, sign an agreement, and participate in periodic progress check-ins focused on their housing and financial plan.
Interested in the Resident Program?
Start with an inquiry so the Bedrock team can learn more about your situation, financial goals, and whether the program may be a fit.
Start an inquiry