Nicole Boyle was ready to buy a house. For eight years she had shared a two-bedroom apartment with her three children: Mackenna (14), Briannan (12) and Brent (10). It was time for fast-growing Brent to move into his own room.
Nicole worked full-time at a nonprofit organization, The Youth Council, and knew how to budget and organize effectively. She had recently paid off some credit card debt, but the routine expenses of a household of four made saving enough for a down payment difficult.