These instructional materials are designed for presenting home ownership information to learners of English as a Second Language (ESL). Eleven lessons are organized into four units addressing the process of ownership, including: deciding to buy a home (determining that current living quarters are too small, getting money to buy a home, credit reports, savings accounts); finding an appropriate home (determining needs, finding a home, deciding how much to offer); getting a mortgage (mortgage loans, shopping for a loan); and home ownership (protecting and maintaining, planning for monthly expenses). The instructional approach integrates language development with practical content. For each lesson, the teacher's guide provides objectives and warm-up and pre-reading activities to activate learners' prior knowledge. Each lesson contains reading passages and comprehension checks, discussion topics, small group and paired oral practice, and writing activities. In addition, exercises help students review vocabulary and grammar. The teacher's guide provides correct responses, resource information, and extension activities. A glossary and list of free resources are included in both student book and teacher's guide. The materials are geared for intermediate English proficiency, but may be used for advanced beginner and advanced ESL levels. (MSE) (Adjunct ERIC Clearinghouse on Literacy Education)