StepReady Resource Hub

Curated tools to help you build confidence, boost financial readiness, and prepare for homeownership with KeyStep support.

CreditSmart® Homebuyer U

Free course from Freddie Mac to help you prep for homeownership.

Take the Course

Santa Barbara Housing Trust

Local down payment assistance program for SB County residents.

Learn More

Annual Credit Report (Free)

Access your *official* free credit report from all three bureaus. No subscription. No card required.

Get My Free Report