Discover practical, faith-driven strategies for Gen Z to buy a first home, build credit, and start wealth-building—yes, even in today’s market.

For many in Gen Z, the dream of homeownership feels out of reach. Rising interest rates, high housing prices, and limited credit history can make the process overwhelming. But in this episode of Prosper in the Kingdom, hosts John Cleaver and Wendy Lee reveal why buying a home is still possible—and how you can do it with the right plan, discipline, and faith.

From understanding today’s mortgage landscape to practical steps for building credit, saving for a down payment, and finding the right “starter” home, John and Wendy share both personal stories and proven strategies. You’ll learn how to think long-term, leverage your resources, and start building equity now—because every month you’re either paying your own mortgage or someone else’s.

Whether you’re a young adult ready to take the leap, a parent guiding your kids, or someone looking to re-enter the housing market, this conversation is packed with insight, encouragement, and actionable next steps.

What You’ll Learn in This Episode:

• Why Gen Z’s homeownership challenges aren’t impossible to overcome

• How to build and maintain a credit score that qualifies you for better mortgage rates

• The truth about mortgage rates—why you shouldn’t “wait for perfect”

• Affordable ways to save for your first down payment (without starving your budget)

• How to choose a smart starter home that builds equity for your future

• Biblical wisdom for approaching financial decisions with diligence and faith
  

Scripture Reference:

• Proverbs 21:5 – “The plans of the diligent lead to profit as surely as haste leads to poverty.”
  

Resources & Links Mentioned:

• Credit building tools: Credit Wise, Credit Karma, Chime

• Mortgage rate comparison: Bankrate.com

• Connect with John & Wendy at ProsperInTheKingdom.com
  

Call to Action: If you’re ready to turn your housing dream into a reality, start by making a plan today. Share this episode with someone you know who’s thinking about buying their first home. And don’t forget to like, subscribe, and leave a comment with your biggest takeaway—we’d love to hear from you!