Rose is a single, 35-year-old social worker from Virginia who has decided to foster two small boys, with the goal of eventually adopting them. She lives in a two-bedroom apartment, which she knows does not provide the space she needs to accommodate the boys. She has been thinking about buying a house for a while, and her decision to take in the boys is the catalyst that causes her to take the next step and visit a mortgage loan officer to see if she could be approved for a mortgage. This case guides participants through the home-buying process, focusing especially on mortgages.