Becoming a home owner can sometimes seem to be a difficult road faced with impossible obstacles in today's economy. Further, having a challenged or rocky credit history can make it seem impossible to ever become a home owner, and thus break free of the cycle of renting. Where does one start to unravel a messy financial situation? How does one build good credit? This book is your guide for the journey down this road in 10 easy steps. It not only addresses how to understand your credit situation, and how lenders looks at your history, but how to change, improve and repair it too. Even if you have a 'zero' credit score You will learn the precise steps one takes to overcome all obstacles to home ownership. It will also guide you in finding the right team of professionals to help you find the right home for you; and achieve the American Dream