Help, I'm Not Ready

Homeownership is a huge responsibility. Habitat's goal is to help you become a successful homeowner. If you're not quite ready to become a homeowner, but homeownership is your ultimate goal, below are some helpful tools to start you in the right direction.

Here's a simple budget worksheet to help you get started: Budget Worksheet

Habitat's Recipes for Financial Fitness: Tool Kit - Click on the "tool kit" link to go to an on-line course that you can complete at your own pace.

Consumer Credit Counseling Service (CCCS) - Click on "CCCS" - this website is for an agency that offers many free credit counseling programs to help you with your credit problems and to help you get prepared for homeownership.

Annual Credit Report - Free Report - Click on the "free report" link to go to the website for your free yearly credit report.