Yvonne has a goal of buying a brand new home within a year. She's afraid that she will be unable to save the money that she needs for a down payment. Which of the following should not be part of Yvonne's plan for achieving her goal of buying a home?

Borrowing the down payment and paying it back later should not be part of Yvonne’s plan. It adds debt and can make it harder to afford the home, while lenders may also consider that debt when reviewing her mortgage application. Delaying the purchase, saving more through a budget, or earning extra income can help her build the down payment without taking on that additional debt.

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