A 90-day plan that turns "I'll never be able to afford this" into "we got the keys." Credit, savings targets, pre-approval, and the down-payment programs most renters don't know they qualify for.
The exact moves that lift a mid-600s score into the 700s in under three months — and the ones that accidentally tank it.
CalHFA, MyHome, and every stackable Sacramento program most renters never hear about — and who actually qualifies.
The real math on your specific rent payment vs. owning in Sacramento right now — and when renting is still the right call.
Why most first-timers get the wrong one, and the exact docs you need to walk in ready to win a multiple-offer situation.
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