Las Vegas on a Budget: Affordable Housing Options

Finding Your Path to Affordable Housing in Las Vegas

Living in the vibrant city of Las Vegas shouldn't mean breaking the bank on housing. Affordable housing Las Vegas options exist through several programs that can help you find a comfortable home that fits your budget. Currently, rental rates in these programs typically range from $1,250 to $2,100 per month, offering significant savings compared to market rates.

The search for budget-friendly housing in Las Vegas can feel like navigating a maze, especially with Nevada facing a critical shortage of over 85,000 affordable rental homes in 2025. I understand this challenge intimately. With 81% of extremely low-income households spending more than half their income on housing, many families face impossible choices between paying rent or covering other essentials like food and healthcare.

Right now, there are about 700 low-income apartments available for rent across the valley. To qualify, you'll typically need to earn below 50-60% of the Area Median Income (AMI). The good news? Several pathways exist to find your affordable home.

When we talk about "affordable housing," we're referring to the standard set by the U.S. Department of Housing and Urban Development – housing that costs no more than 30% of your household income. When families exceed this threshold, they become "cost-burdened," often sacrificing other necessities to keep a roof over their heads.

Las Vegas offers several avenues to affordability. Section 8 vouchers help you pay rent in private market apartments. LIHTC properties (Low Income Housing Tax Credit) offer reduced rents in specially developed communities. Public housing provides government-owned units at affordable rates, while various income-restricted apartments maintain below-market rents for qualifying residents.

Organizations like Nevada HAND, our state's largest affordable housing developer, manage 40 communities serving over 9,000 residents throughout Southern Nevada. Their mission extends beyond just providing shelter.

"We recognize that affordable rent is just one aspect of what people need to thrive, and we are committed to creating 'More Than a Home' for low-income individuals in Southern Nevada." - Nevada HAND

The application process typically runs through the Southern Nevada Regional Housing Authority's RentCafe portal or through NVHousingSearch.org. Be prepared for waiting lists – they're common due to the significant housing shortage we face.

I'm Cole Lake, a Las Vegas Realtor who's passionate about helping clients steer affordable housing Las Vegas options. Whether you're a first-time homebuyer or a family looking for budget-friendly housing in our dynamic market, I'm here to guide you through the process with knowledge and care.

Affordable housing Las Vegas: Definition & Eligibility

When we talk about affordable housing in Las Vegas, we're referring to homes that won't break your budget. According to HUD guidelines, housing should cost no more than 30% of what your household earns each year—including both rent and utilities. When families spend more than this amount, they become "cost-burdened," often forcing tough choices between paying rent or covering other essentials.

The situation in Las Vegas is particularly challenging in 2025. A startling 81% of extremely low-income renters are severely cost-burdened, meaning they spend over half their income just to keep a roof over their heads. This creates impossible dilemmas between making rent payments and affording groceries, medicine, or transportation to work.

Qualifying for affordable housing Las Vegas programs primarily depends on your income compared to the Area Median Income (AMI)—a figure HUD updates yearly that reflects typical earnings in our community. Your household size matters too, with income limits increasing for larger families.

Income categories that determine eligibility include:

• Extremely Low Income (ELI): Families earning 30% or less of AMI

• Very Low Income (VLI): Families earning up to 50% of AMI

• Low Income: Families earning up to 80% of AMI

In practical terms, a Las Vegas family of four might qualify for different housing programs depending on where their yearly income falls within these ranges.

Who Qualifies for Affordable housing Las Vegas?

While income is the main factor in qualifying for affordable housing Las Vegas, several other considerations come into play. Household size directly affects income limits—larger families can earn more and still qualify. Special populations often receive priority, including seniors, veterans, people with disabilities, and young adults transitioning from foster care.

Citizenship status matters too, as most programs require either U.S. citizenship or eligible immigration status. Your rental history and criminal background will likely be reviewed, though policies vary between programs. Section 8 vouchers typically serve households at or below 50% AMI, while LIHTC properties may accommodate families earning up to 60% AMI.

Here's what the income limits look like for different household sizes in Las Vegas (2025):

Household Size	30% AMI (Extremely Low)	50% AMI (Very Low)	60% AMI (LIHTC)	80% AMI (Low)
1 Person	$21,500	$35,800	$42,960	$57,300
2 People	$24,550	$40,950	$49,140	$65,450
3 People	$27,650	$46,050	$55,260	$73,650
4 People	$30,700	$51,150	$61,380	$81,850
5 People	$33,150	$55,250	$66,300	$88,400
6 People	$35,600	$59,350	$71,220	$94,950

These figures are updated annually, so it's always best to verify current limits with SNRHA or the specific property you're interested in.

Current Rent Levels in Affordable housing Las Vegas

Currently, affordable housing Las Vegas units typically rent for between $1,250 and $2,100 monthly in 2025. What you'll actually pay, however, depends on both the program and your income.

If you participate in the Section 8 voucher program, you'll generally contribute 30% of your adjusted monthly income toward rent, with the voucher covering the difference up to established payment standards. For income-restricted properties, rents are set based on AMI percentages—a unit for households at 50% AMI will be more affordable than one for households at 60% AMI.

The math can be sobering. To comfortably afford a basic two-bedroom apartment at Fair Market Rent in Nevada, a family needs to earn about $22.75 hourly—that's $47,320 annually, significantly more than minimum wage jobs provide. This creates a substantial gap for many hardworking families.

While Las Vegas currently has about 700 low-income apartments available for rent, demand drastically exceeds supply. Nevada faces a staggering shortage of 85,000 affordable rental homes for extremely low-income households in 2025. This imbalance means most affordable housing programs have waiting lists that can stretch for years.

Despite these challenges, many residents find the wait worthwhile. As one tenant shared: "It's really calm. I hardly hear noises or people fighting—it's good apartments. Most of all I love the layout of the apartment. Loving it here so far."

Types of Affordable Housing Programs in Las Vegas

Las Vegas offers several pathways to affordable housing, each designed to help residents find homes that won't break their budget. Whether you're a family struggling with rising rents, a senior on a fixed income, or a veteran looking for stable housing, there's likely a program that fits your needs. Let's explore the options available in our community in 2025.

Housing Choice Vouchers (Section 8)

The Housing Choice Voucher Program—what most people know as "Section 8"—is a lifeline for many Las Vegas families. Run by our Southern Nevada Regional Housing Authority (SNRHA), this program helps those who might otherwise struggle to keep a roof over their heads.

What makes Section 8 special is its flexibility. Unlike some programs that tie you to specific buildings, these vouchers stay with you. This means you can choose where to live, giving families the freedom to select neighborhoods with better schools or closer to work. You'll typically pay about 30% of your monthly income toward rent and utilities, with the voucher covering the rest up to certain limits.

The challenge? Getting a voucher in the first place. Due to high demand and limited funding, the waiting list often closes completely, opening only occasionally through a lottery system. When I talk to clients about Affordable housing Las Vegas options, I always mention this reality—it's not a quick solution, but it can be life-changing if you're selected.

Some landlords eagerly participate in the program. As one property manager at Sundance Village Apartments told me, "The HUD housing voucher program is gladly accepted here." However, not all landlords choose to participate, and all units must pass inspection standards before approval.

Income-Restricted & LIHTC Properties

Income-restricted apartments and Low-Income Housing Tax Credit (LIHTC) developments make up a significant portion of Affordable housing Las Vegas inventory. These aren't your stereotypical "low-income housing" from decades past—many are modern, attractive communities with amenities that rival market-rate properties.

These properties receive tax breaks or subsidies in exchange for keeping rents affordable for households earning around 50-60% of our Area Median Income. You'll need to recertify your income annually to ensure continued eligibility, but the savings can be substantial.

Lake Mead West Apartments exemplifies the quality available in these communities. This North Las Vegas development features 156 units in an attractive 3-story courtyard building with architectural details like multiple rooflines, gables, and balconies that give it character and curb appeal.

Many residents are pleasantly surprised by what these properties offer. One Sundance Village resident shared, "Pretty quiet and clean. It's really calm. I hardly hear noises or people fighting—it's good apartments." Another bonus? Many include utilities (water, sewer, trash) in the rent, making budgeting more predictable.

Specialized Options: Seniors, Veterans, Foster Youth

Las Vegas has recognized that some groups face unique housing challenges and has developed specialized solutions to address these needs.

For our seniors, Nevada HAND and other developers have created communities specifically designed for those on fixed incomes. These properties often restrict residency to those 55+ or 62+ and include thoughtful features like accessible bathrooms, community spaces for socializing, and on-site coordinators who help connect residents with valuable resources.

Veterans hold a special place in our Affordable housing Las Vegas landscape. The SNRHA has made accommodations so that "Veterans can apply at any time," even when waiting lists are closed to everyone else. This policy acknowledges the service these individuals have provided and the housing challenges many face after returning to civilian life.

One of the most innovative developments in 2025 is the completed Sunrise Ranch Apartments in Henderson. This project demonstrates our community's commitment to vulnerable populations, with 60 of its 144 affordable units designated specifically for youth aging out of foster care. The development received $4.9 million in HOME funds and was completed in 2024. Additionally, 16 units serve those fleeing domestic violence or experiencing homelessness.

These specialized housing options reflect Las Vegas's growing understanding that affordable housing isn't just about price—it's about creating communities that support residents' unique needs and circumstances. If you're looking to explore more property options, I'm always available to guide you through the possibilities that best match your situation.

How to Apply & Steer the Process

Navigating the application process for affordable housing Las Vegas doesn't have to be overwhelming. While it definitely requires some patience and organization, understanding the steps can make your journey much smoother. The Southern Nevada Regional Housing Authority has made things easier with their online portal, but knowing what to expect still matters in 2025.

Think of the application process as a journey with clear milestones. First, you'll want to check for availability by visiting SNRHA's RentCafe Applicant Portal or browsing the "Our Properties" page to see which waiting lists are currently accepting applications. When you find an open list, you'll complete a preliminary application by registering for a RentCafe account – this initial step typically takes about 15 minutes.

After submitting your pre-application, the waiting game begins. You'll need to monitor your email or regular mail for notification that you've been selected from the waiting list. As one applicant shared with me, "The RentCafe preliminary application stays on the wait list until selection," so your information remains active until either you're chosen or the list is periodically updated.

Once selected, things move more quickly. You'll submit a full application with all your documentation through RentCafe. The housing authority will then verify your eligibility by checking your information. If everything looks good, you'll receive an offer letter for an available unit.

From there, you'll schedule a property tour, attend an orientation session, and sign your lease. Then comes the exciting part – moving into your new affordable home!

Application Checklist for Affordable housing Las Vegas

Having your documents ready before starting can save you significant time and stress. When working with clients in 2025, I always recommend gathering these essentials first:

For all household members, you'll need photo identification (for adults), Social Security cards, and birth certificates. Your financial documentation should include proof of income like recent pay stubs, benefit letters, or child support documentation from the past 6-8 weeks.

You'll also need bank statements for all accounts going back six months, information about any assets like retirement accounts or real estate, your current lease or mortgage statement, and utility bills showing your name and address.

If your situation involves special circumstances, additional paperwork might be necessary. Veterans should have their DD-214 or discharge papers and VA benefits information. Seniors will need proof of age and Medicare/Medicaid cards. Those with disabilities should obtain verification from a qualified professional, and former foster youth will need documentation from child welfare agencies.

I've seen how having these documents organized in advance can prevent frustrating delays in getting your application processed.

Key Portals & Wait-List Alerts

Staying on top of waiting list openings requires a bit of vigilance. The housing shortage in Las Vegas means lists can be competitive, but knowing where to look makes all the difference.

The SNRHA RentCafe Portal serves as your primary resource for public housing and many SNRHA-managed affordable properties. Creating an account there is your first step. NVHousingSearch.org is another valuable tool that helps you find affordable options throughout Nevada, with filters for location, rent amount, and accessibility features.

Since Nevada HAND is our state's largest affordable housing developer, don't overlook their website for their 40 communities. Each maintains its own waiting lists, so it's worth checking regularly. Learn more about consultation services if you need personalized guidance through this process.

To keep your place on waiting lists, be sure to respond promptly to any communication, update your contact information if it changes, and complete any required recertifications when requested. Many housing authorities offer email or text notification services for waiting list openings – sign up wherever possible.

The reality is that waiting lists can be lengthy. As one housing advocate noted, "Nevada faces a shortage of 85,000 affordable and available rental homes for extremely low-income renters in 2025." This means applying to multiple properties or programs may be necessary, and starting early is always wise.

I always tell my clients that while the process might seem daunting at first, staying organized and persistent pays off. Many families I've worked with have successfully steerd these systems and found housing that fits their budget and needs. With the right approach, you can too.

Market Snapshot & Upcoming Developments

The affordable housing Las Vegas situation is a tale of both challenges and hope. If you're searching for affordable housing in 2025, understanding what's happening in the market right now can help you steer your options more effectively.

Let's be honest – Nevada is facing a serious housing crunch. We're currently short 85,000 affordable rental homes for our lowest-income neighbors. Here in Las Vegas, this shortage feels especially tight as our population continues to grow while housing costs climb steadily upward.

The math simply doesn't add up for many working families. To comfortably afford a basic two-bedroom apartment at fair market rent in our area in 2025, you need to earn about $22.75 per hour – that's roughly $47,320 annually. If you're working in our service industry or other entry-level positions, you know this creates a real gap between what you earn and what housing costs.

But there's good news on the horizon too! Several exciting developments are taking shape across the valley:

Desert Oasis Apartments is breaking ground in North Las Vegas with 180 affordable units. What makes this project special is its focus on sustainability with solar panels, water-efficient fixtures, and community gardens. The development received $6.2 million in federal funding and is expected to be completed by mid-2026.

Nevada HAND continues to be our state's affordable housing champion. They now manage 40 communities serving over 9,000 residents across Southern Nevada. What I love about their approach is they don't just provide housing – they create communities with on-site support services that help residents thrive.

The Meadows at Boulder Highway is another promising development that broke ground in early 2025, with 220 units specifically designed for working families. This transit-oriented development will include childcare facilities and after-school programs to support working parents.

The funding for these projects comes from creative partnerships between government, nonprofits, and private investors. These collaborations tap into resources like Low-Income Housing Tax Credits, HOME Investment funds, Community Development Block Grants, and local housing trust funds. It's this teamwork that makes new affordable housing possible despite the challenges.

These developments do more than just provide homes – they create jobs during construction, generate tax revenue, and support local businesses. Research consistently shows that stable housing improves everything from how kids do in school to overall health and workforce participation.

As one housing expert put it: "Stable, affordable housing leads to better school performance, health outcomes, productivity, civic engagement, and safer, more cohesive communities."

I've seen how finding the right affordable housing can transform a family's future. While the waiting lists may be long, these new developments offer hope that more options are coming.

For the most current research on Nevada's housing challenges, I recommend checking out the National Low Income Housing Coalition at nlihc.org.

Renter Rights, Resources & Assistance

Knowing your rights as a renter and where to find help can make all the difference when navigating Affordable housing Las Vegas. Nevada offers several important protections for tenants in 2025, and there's a network of support ready when challenges arise.

The Fair Housing Act shields you from discrimination based on race, color, national origin, religion, sex, familial status, or disability. Nevada takes this a step further, adding protections for sexual orientation, gender identity, and in many areas, source of income (including those housing vouchers you might be using).

If you ever feel you've faced discrimination, don't stay silent. Reach out to the Silver State Fair Housing Council at ssfhc.org, the Nevada Equal Rights Commission, or HUD's Fair Housing Office. These organizations exist specifically to ensure your right to fair housing is protected.

For survivors of domestic violence, dating violence, sexual assault, or stalking, the Violence Against Women Act (VAWA) provides crucial safeguards in federally-assisted housing. These include protection from eviction due to violence committed against you, emergency transfers when needed for safety, and confidentiality of your sensitive information.

Emergency Help & Rental Assistance Hotlines

We all hit rough patches sometimes. When financial challenges threaten your housing stability in 2025, several lifelines exist:

Nevada 2-1-1 serves as your one-stop connection to a wide range of social services. Just dial those three digits or visit nevada211.org to get pointed in the right direction.

The Emergency Rental Assistance Program (ERAP) has been a game-changer for many Clark County residents struggling with rent payments. If you're facing hardship, don't wait until the eviction notice appears – apply through the Clark County Social Service website.

HELP of Southern Nevada offers more than just their name suggests – they provide emergency housing assistance, rapid rehousing, and supportive services to get you back on your feet. Their team at (702) 369-4357 has helped countless Las Vegas residents avoid homelessness during difficult times.

For communities like Lake Mead West Apartments, residents benefit from connections to HopeLink services, offering rental assistance alongside compassionate case management to address underlying challenges.

Veterans deserve special recognition for their service, and the VA's Supportive Services for Veteran Families (SSVF) program offers targeted housing support. If you've served, contact them at (877) 424-3838 to learn about your options.

Know Your Lease & Maintenance Rights

Your lease isn't just a formality – it's a contract that protects both you and the property owner. In Affordable housing Las Vegas, you're entitled to living conditions that meet basic standards of habitability, including functional plumbing, heating, and electrical systems, weather protection without leaks, clean common areas, proper garbage disposal, and a pest-free environment.

When something needs fixing, most affordable communities have clear procedures for maintenance requests. SNRHA residents, for example, can simply call (702) 477-3100 to submit a work order. As one satisfied resident shared: "Maintenance is very responsive. When I had an issue with my air conditioning during summer, they had someone here within hours."

Nevada law has your back if you speak up about problems. Landlords cannot retaliate against tenants who exercise their legal rights, such as requesting necessary repairs or reporting code violations. This protection ensures you can advocate for proper living conditions without fear.

When it's time to move on, know that landlords must return your security deposit within 30 days, along with an itemized list explaining any deductions. This transparency requirement helps prevent surprise charges.

If you're facing potential eviction in 2025, don't lose hope. Legal aid organizations like Nevada Legal Services nlslaw.net and the Legal Aid Center of Southern Nevada lacsn.org provide free legal representation to income-eligible clients. Nevada's eviction mediation program offers a chance to resolve disputes with your landlord before heading to court.

The Nevada Tenant Protection Act, passed in 2023, provides additional protections for tenants who have applied for rental assistance. If you've submitted an application, notify your landlord immediately and provide documentation – this simple step could prevent an eviction.

At Cole Lake, I've guided many clients through these resources and rights. Understanding the protections available to you as a renter is just as important as finding the right Affordable housing Las Vegas option in the first place. For more insights on navigating affordable housing and tenant rights, visit our blog for regular updates on housing topics that matter to Las Vegas residents.

Frequently Asked Questions about Affordable housing Las Vegas

How long are the wait-lists and can I speed them up?

Let's be honest—the wait for affordable housing Las Vegas can test anyone's patience. Wait times vary widely based on which program you're applying for and your personal situation in 2025.

For Section 8 vouchers, you're typically looking at a 2-5 year wait—and that's when the waitlist is even open, which isn't often. Public housing usually runs 1-3 years, depending on what size unit you need and where you want to live. LIHTC properties might move a bit faster at 6 months to 2 years, while Nevada HAND communities vary quite a bit (their senior properties tend to have shorter waits than their family properties).

While there's no magic button to jump ahead in line, certain factors might give you priority status. Veterans, elderly individuals, people with disabilities, and families displaced by government action or natural disasters often receive preference. If you're facing a genuine emergency situation like domestic violence or severe problems with your current housing, some programs may expedite your case.

One simple but often overlooked tip comes from a housing authority representative I spoke with: "Apply to multiple waiting lists simultaneously and keep all your contact information current. Many applicants miss opportunities because notices are sent to outdated addresses."

Making sure your application is complete with all required documentation also prevents unnecessary delays. And being flexible about location can significantly increase your chances—the more properties you're willing to consider, the better your odds of placement.

What amenities come standard in affordable communities?

Many people are pleasantly surprised when they see modern affordable housing Las Vegas communities in 2025. These aren't the bare-bones public housing projects of decades past.

Today's affordable communities often feature swimming pools (sometimes multiple pools!), fitness centers with actual workout equipment, community rooms where residents can gather, and computer labs with high-speed internet access.

For families, children's playgrounds and basketball courts are common features. Almost all properties have laundry facilities, secured entry systems, and some form of parking (often covered, which is a blessing during those scorching Vegas summers).

Inside the apartments themselves, you can generally expect central air conditioning (an absolute must in Las Vegas), energy-efficient appliances including refrigerator and stove, and many units even include dishwashers. Private balconies or patios, ceiling fans, and walk-in closets are available in many floor plans.

What really sets many affordable communities apart are the services they offer. On-site management and maintenance teams handle day-to-day operations and repairs. Many properties have resident services coordinators who connect tenants with resources and organize community activities. Some communities even offer food pantries, community gardens, after-school programs, financial literacy classes, and health initiatives.

As Nevada HAND puts it: "We recognize that affordable rent is just one aspect of what people need to thrive, and we are committed to creating 'More Than a Home' for low-income individuals in Southern Nevada."

I've toured properties like Sundance Village Apartments where they even include utilities (water, sewer, trash) in the rent—a significant money-saver that makes budgeting much more predictable for residents.

Can I use a voucher in any neighborhood?

In theory, Housing Choice Vouchers (Section 8) are designed to give you the freedom to live in any neighborhood in Las Vegas—with a few important conditions. The rent needs to fall within the payment standard set by the Southern Nevada Regional Housing Authority, the landlord must agree to participate in the program, and the unit has to pass a Housing Quality Standards inspection.

The reality in 2025, however, is a bit more complicated. Landlord participation in the voucher program remains voluntary in Nevada. While many landlords do accept vouchers, others choose not to, which can limit your options in certain areas. There are ongoing advocacy efforts to prohibit this kind of source-of-income discrimination, but we're not there yet.

Payment standards also create practical limitations. SNRHA sets these standards based on unit size and location, which caps the maximum rent the voucher will cover. If you've got your heart set on a higher-cost neighborhood, you might need to pay the difference out of pocket if the rent exceeds the payment standard (though your total housing cost shouldn't exceed 40% of your income when you first use the voucher).

One significant advantage of Housing Choice Vouchers is their "portability"—you can use your voucher outside the jurisdiction where it was issued after an initial lease period. This means a Las Vegas-issued voucher could potentially be used in Henderson, North Las Vegas, or even another state if you need to relocate.

A housing counselor I work with regularly offers this practical advice: "Don't limit yourself to just one area. Some neighborhoods have shorter waiting lists or more available units. Being flexible about location can significantly reduce your wait time."

At Cole Lake Realty, we've helped many clients steer affordable housing options throughout Las Vegas, including those using vouchers. Understanding which landlords participate in these programs is just one way we help make your housing search more efficient.

Conclusion

Finding affordable housing Las Vegas options isn't always easy, but with determination and the right approach, you can make it happen. I've seen how the significant shortage of over 85,000 affordable units creates challenges in 2025, yet many of my clients successfully steer this competitive landscape every year.

When you're looking for affordable housing in Las Vegas, timing matters more than you might think. Start your search well before you actually need to move – those waiting lists aren't just a formality! Many of my clients have found success by applying to multiple programs simultaneously rather than putting all their hopes in one option. This approach significantly increases your chances of finding a suitable home within your budget.

Being organized makes a world of difference. Gather all your documentation early – those income verifications, identification documents, and other paperwork can take time to collect. Having everything ready when an opportunity arises can put you ahead of other applicants who are scrambling to complete their files.

Stay vigilant about waiting list openings through resources like SNRHA's RentCafe portal and NVHousingSearch.org. I've had clients who set calendar reminders to check these sites weekly – and their persistence paid off when they caught a rare waiting list opening.

Knowledge truly is power when navigating affordable housing. Understand your rights as a tenant under fair housing laws and Nevada's tenant protections. If you encounter obstacles, don't hesitate to reach out to legal aid services and emergency rental resources. They exist specifically to help people in your situation.

The impact of finding stable, affordable housing extends far beyond just having a place to live. I've watched clients transform their lives once housing insecurity was removed from their daily worries. As one housing advocate beautifully expressed, "Stable, affordable housing leads to better school performance, health outcomes, productivity, civic engagement, and safer, more cohesive communities."

At Cole Lake, while my primary focus is helping clients buy and sell homes, I understand that affordable rental options are often stepping stones on the path to homeownership. Many of my first-time homebuyers started in affordable housing, saving diligently until they could make the transition to ownership.

Las Vegas continues to develop new affordable housing options, with projects like Desert Oasis Apartments and Meadows at Boulder Highway adding much-needed inventory in 2025-2026. By staying informed and prepared, you'll be ready when these opportunities become available.

Affordable housing isn't just about finding four walls and a roof – it's about creating a foundation for your overall wellbeing. A stable home supports everything from your health and education to employment opportunities and community connections. As our vibrant city grows, ensuring access to affordable housing remains essential for maintaining the diverse, inclusive community that makes Las Vegas special.

For more information about properties in Las Vegas, including affordable options, visit our properties page or reach out for personalized guidance. I'm here to help you steer your housing journey, whatever path it may take.