Research has shown that in our society home ownership is one of the most important variables in determining a family's financial stability. For this reason, StepUP Ministry offers a home ownership program to StepUP participants who have graduated from the Life Skills Program. Once admitted into the home ownership program, participants have a 12-24 month period to demonstrate their ability to become responsible homeowners. The program goal is to assist participants in the purchase of a moderately priced single family home that, through the use of first time home-buyer programs, has a monthly mortgage payment that is affordable (in the $650 to $750 range). Home ownership offers participants a long-term incentive to remain independent and offers the opportunity for the financial stability and capital accumulation that will transform their lives.