Five years ago, Yvette was discouraged. She had a job in Boston, but was commuting from Rhode Island because it was impossible to find an apartment she could afford.

Then, amazingly, Yvette and her daughter were selected in a lottery to live at JPNDC’s 75 Amory Avenue Apartments–out of more than 3,000 households who applied for 39 units.

But this is much more than a story about affordable housing.

“I have my apartment,” Yvette thought. “I also have a decent job. What’s next?”

Yvette had long wanted to own her own home. With JPNDC as a partner, she renewed that dream.

She signed up for JPNDC’s unique rent reporting program, in which tenants can build credit by having their rent payments automatically reported to credit bureaus, just like mortgage payments.

Yvette didn’t know her credit score at the time, but assumed it was low because of her student debt. Whatever it was, she knew she needed to imp

rove it in order to become a homeowne

r. She signed up for free financial coaching, meeting regularly with her JPNDC coach. She refinanced her student loan and set up a household budget.

“It’s hard to describe what a difference this made,” Yvette said. “In just a few months, I couldn’t believe it – my credit score had gone up 70 points!”

JPNDC referred her to Urban Edge’s first-time homebuyer program. After two years of making regular deposits into a savings account, she has now saved 5% for a down payment.

“I couldn’t be more excited,” Yvette says. “I know that with my credit, and my savings, I’m on my way to that house of my own.