



Your Path to Homeownership Starts Here
Welcome to the Opa-locka Homeownership & Housing Stability Program (HHSP)
Presented by the Opa-locka Community Redevelopment Agency (OCRA) and powered by PATH Housing Solutions
Homeownership starts long before you get the keys. It begins with preparation.
You don't need to have everything figured out before you begin. PATH helps you see where you stand today, identify what may be holding you back, and take practical steps toward buying a home with confidence.
Watch this short video to learn how PATH works and how it can help you build a pathway to sustainable homeownership.
WATCH THE PATH EXPLAINER VIDEO
How the program works
Through education, assessments, one-on-one coaching, and a personalized action plan, you'll build skills in five connected areas:
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Wellness,
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Career development
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Financial literacy
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Personal development
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Homeownership preparedness
Each area supports the others, so the progress you make is real, measurable, and lasting.
With consistent participation, you can work toward:
Stronger credit: Understand your credit report in order to improve items that are affecting your score.
Financial stability: Build a realistic budget, reduce debt, and set a savings goal for pre- and post-homeownership.
Career growth: Improve skills in order to identify opportunities to increase your income and strengthen job stability.
Well-being: Build healthy habits and connect with resources that support your household.
Homeownership know-how: Learn the true costs of owning a home, including your mortgage payment, taxes, insurance, and repairs.
Buyer readiness: Become mortgage qualified, complete an approved homebuyer education in order to become eligible for down payment assistance
What Happens Next?
Your first step is the Homeownership Readiness Questionnaire. Your answers help us understand your current readiness, your goals, and where extra support could help most. After you submit it:
We review your responses to understand where you are in your homeownership journey.
You'll hear from us about your next step in HHSP.
Your PATH journey begins. You'll start building the financial, career, wellness, personal, and homeownership skills that support long-term housing stability.
You'll see your progress. Your growth is measured over time, so you can see how today's steps are moving you closer to owning a home.
Where you start doesn't determine where you finish. What matters is showing up, doing the work, and following through on your plan.
Take the First Step
Complete the Homeownership Readiness Questionnaire below.