The Power is Now

BUSINESS AND REAL ESTATE

If you’re looking to build great credit, build wealth, purchase a home, or invest in real estate, this book is for you. “The Credit Handbook” is designed to put the power back in your hands and help you achieve your financial goals.

The Power Is Now Media, Inc., which I founded in 2009, advocates for homeownership, wealth building, and financial literacy. We create educational content for various platforms, available at www.thepowerisnow.com.

I’m Eric Lawrence Frazier, MBA NMLS 46107, and I’m excited to present “The Credit Handbook.” This guide will help you establish, repair, raise, and maintain your credit score, opening doors to unlimited possibilities. You’ll learn how to read your credit report, implement credit strategies, manage credit and credit cards, and prepare for homeownership.

**The Mortgage Handbook** by Eric L. Frazier, MBA, offers essential guidance on establishing, repairing, and maintaining credit. Eric, the Founder and CEO of The Power Is Now Inc. (CAL BRE 1980407 & NMLS 1435243), brings 35 years of experience to help minority and low to moderate-income communities achieve financial literacy and homeownership.

The Power Is Now Inc. focuses on providing mortgage lending, real estate sales, and education, with a mission to support underserved demographics like African Americans and Latinos. This book serves as a practical tool to build wealth and stability through real estate.

“The Budget Handbook” by Eric Frazier is your essential guide to taking control of your finances and building a secure future. This practical handbook walks you through the process of creating a personalized household budget that aligns with your financial goals. Learn how to track your spending, pay yourself first, and set S.M.A.R.T. goals that lead to lasting success. With insights on crafting a mission and vision statement, and the importance of having an accountability partner, this guide provides the tools you need to achieve financial stability and peace of mind.

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