The Lease to Purchase Program becomes available to a homebuyer once he or she has made significant progress on the Credit Repair Action Plan and is within six months of being mortgage ready. Once it is determined that the homebuyer is rear mortgage readiness, then PBAF homes are offered through the Lease to Purchase Program. Under the program participants can lease a PBAF home for up to six months, while they are saving money to purchase their home. The Lease to Purchase Program gives participants additional time to save money while their rental costs are low. In addition, it helps to prepare them for homeownership as PBAF staff trains them in home maintenance and repair.