Charlotte faces a severe housing gap, with more than 30,000 affordable units needed and limited access to attainable, for-sale homes. The city ranks last in upward mobility among major U.S. cities. But the challenge is not only about supply—it is also about readiness and access. Expanding homeownership requires pairing attainable housing with structured financial education, credit readiness, and sustained coaching to help working families move from renting to owning and build lasting generational wealth.