I firmly believe that everyone who wants to own a home should have that opportunity. The Home Loan Action Plan is a program we developed for buyers that face challenges with an immediate purchase. While the motivation to purchase a home is strong in many people there are various reasons why it may not be possible right away. Sometimes there can hurdles such as: poor credit lack of employment history inadequate liquidity perfect house is just out of qualifying reach. In almost all cases I have found that if someone has the motivation and desire it is just a matter of making a plan and sticking to it. The Home Loan Action Plan is just that plan. After an initial pre-purchase consultation (link) together we will make an action plan, whether it is to reduce debt, increase savings, clean up credit or some other element. We set a specific goal and lay out the steps it will take to get there. It doesn't matter if the plan is a few months or a few years. We will be your coach and keep you on track with consistent follow-up. Sometimes the immediate challenge is poor credit. There are many aggressive programs that are designed for less than perfect credit, so we will make a financial decision on whether to buy now with a sub-prime mortgage that can be refinanced later or work on improving credit for a later purchase. Either way it is important to take into account short and long-term financial goals in developing the most appropriate strategy. "With Motivation, Willingness and a Plan almost anything can be accomplished." Part of the HLAP is continuing education on topics such as the importance of your credit history, how to establish and maintain a household budget, how tax-deductible interest works, etc. This education along with the plan we develop up-front will help you achieve home ownership at the right time and with the right financial plan.