Imagine working long hours in one minimum wage job, or even two, just to keep a roof over your family’s head. After paying rent and utilities, there is barely enough left for food, clothing, school supplies, medicine, or daycare. You have moved four times in two years, chasing a rental that is both decent and affordable. You simply want a place where the police are not regular visitors, the heat and air conditioning work, and the walls are free of mold and pests. You dream of owning a safe, healthy home. Yet no matter how hard you work, or how low interest rates drop, you can never save enough to qualify for a mortgage. Hopefully, you will never face this kind of struggle. But look around. Many hardworking families in our community are living this reality. For them, a better life and a stable home for their children still feels like a distant dream.