Homeowner Prep in downtown San Diego is a 501(c)(3) nonprofit with EIN 88-4259829, operating from Broadway in the core of the city since its IRS ruling year of 2023. The program pairs each aspiring first-time buyer with a certified financial coach who builds a custom roadmap covering credit repair, down-payment savings targets, and mortgage pre-qualification—a counseling pipeline that connects graduates to the income-restricted housing units developed by Housing Development Partners across the city. Homeowner Prep's curriculum covers budgeting frameworks, debt-to-income ratio optimization, and step-by-step guidance through San Diego Housing Commission loan programs that offer deferred-payment second trust deeds up to 25 percent of purchase price. Clients also access webinars and community workshops, supplementing the financial literacy programming hosted at venues like the San Diego Central Library. The organization's most intensive engagements guide households from sub-qualifying credit scores through full mortgage approval and closing, converting renters into equity-building homeowners positioned to accumulate generational wealth.