This episode examine the multifaceted challenges and available support systems related to housing and financial access for immigrants and newcomers, primarily in the United States and Canada. New arrivals in the U.S. frequently face difficulties renting or securing loans because of the required FICO credit score, a hurdle often overcome through large upfront payments, guarantor services, or informal rental arrangements. For homeownership, the market for ITIN mortgages is highly restricted by a lack of secondary market support, even though research suggests these loans perform reliably. Furthermore, sources highlight the importance of fair housing laws that protect non-citizens from discrimination based on national origin or religion. Addressing the predatory landscape of housing scams and tax lien sales requires stronger governmental regulation and consumer education, leading to increased demand for organizations that provide social services, eviction prevention, and cultural orientation to immigrant communities.