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American Dreaming: First Time Home Ownership

Updated: Mar 24, 2023

A memory popped up on my phone today. It was a photo of my daughter in the ER with a bandaid on her forehead. As with all scars, there is a story behind it! We took a family trip to the hardware store and she bonked her head on a display patio table. She needed just one stitch and she was very brave for the whole ordeal. I smiled at the photo because I remember the real reason we were at the store. We had just gone under contract on our FIRST home. We were so so so excited to finally be under contract on a home that we BOTH liked – we didn’t know what else to do, so we walked around the hardware store imagining what we would need to purchase and what finishing touches we would put in our home to make it our own! Unfortunately, the ER trip will be forever attached to that memory.

I think there is something inherently American about home ownership. For many people, it is a quest and an undertaking to purchase their first piece of property. I know it was for us! First time home buyers come from all walks of life – starry-eyed newly-weds, single parents who have scrimped and saved for years, immigrants and refugees feeling the freedom to put down roots, and families like mine whose dreams of home ownership were delayed by twists and turns along our route. The truth is -- every story is unique and beautiful in its own way.

One of the biggest obstacles to becoming a homeowner seems to be in mindset. I believe that all people should (and can) work towards home ownership. If home buying is a hope or dream of yours, the first question should be, “is it possible for me to become a homeowner?” Maybe you were under the impression that you had to put 20% down on your home. That is 100% not true! There are so many programs out there – some if you qualify for, you can pay as little as 0% down. If for whatever reason you cannot qualify for a home loan, the immediate next question should be, “What steps do I need to get there?” Whether it’s credit repair, saving up money, paying down debt, or creating stable job history, our recommended lenders can help you line up the right next steps to take. Also, we at Heartland Realty are friendly people and easy to talk to!

As a real estate agent, it is my honor and privilege to walk alongside people as they discover the joys (and heartbreak) of their first home search. Its often emotional and sometimes scary to realize that they are making the biggest (and most important) purchase of their life. It is an honor to take part.

Just a reminder: At the heart of Heartland Realty Group, we want to do what is right for our clients. Because of this, we work with all clients, at all price points, and from all walks of life. We are here as a resource. We want you to find your perfect home. And hopefully not send you to the ER in the process!

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