Only 1 in 5 of the Colombians who receive Comfama's first-time home buyer's subsidy successfully use it to buy a house. After two weeks of interviews with former applicants and internal stakeholders, we tested three paper prototypes that redefined the end-to-end service. Parts of those prototypes were implemented in the following years, enabling them to exceed their housing subsidy KPIs by 3x in 2023.