Built for First-Time Buyers: Why Helping You Find Your First Home Is My Passion (Plus 5 Myths to Ditch Right Now)

At 27, I’m not far removed from the experience of buying my own first home—and that’s exactly why I’ve built my real estate business around helping first-time buyers. I know what it feels like to step into the market for the first time. It’s exciting, a little overwhelming, and full of questions you didn’t even know you’d need to ask. That’s why I’ve made it my mission to be the agent focused on educating my clients on the entire process of buying, so they feel confident every step of the way.

Working with first-time home buyers isn’t just a niche for me, it’s where I thrive. I love the energy my clients bring to the table. That wide-eyed excitement, the endless curiosity, the willingness to learn, it fuels me. Being trusted to help someone through one of the biggest financial decisions of their life is an honor I don’t take lightly.

But here’s the thing: there’s a lot of misinformation out there, especially for first-time buyers. So, let’s bust a few common myths I hear all the time:

🛑 Myth #1: You need a 20% down payment to buy a home.

Truth: Many first-time buyers think this is the gold standard, but it’s just not true. There are plenty of loan options that require as little as 3% (or even 0% for qualified buyers!). Don't let the down payment myth keep you on the sidelines.

🛑 Myth #2: You need perfect credit.

Truth: While better credit can help you get better rates, you don’t need a perfect score to qualify. Many lenders work with buyers who have credit scores in the low 600s, sometimes even lower, depending on the loan type.

🛑 Myth #3: It's cheaper to rent than to buy.

Truth: That might be true in some markets short term, but buying a home builds equity. With today’s rental prices climbing, owning often makes more financial sense than people realize, especially with first-time buyer programs and tax benefits. Did you know that the average net worth of a homeowner is $430,000 compared to $10,000 for a renter? 🤯

🛑 Myth #4: You can’t buy if you have student loans.

Truth: Having student loans doesn't automatically disqualify you. What lenders really care about is your debt-to-income ratio (DTI), and many buyers with student debt still qualify for mortgages every day.

🛑 Myth #5: You’ll just “know” when you find the right house.

Truth: Sometimes, yes—but not always. It’s normal to feel unsure or need a second look. My job is to help you sort through the feelings and the facts so you can make the right decision confidently.

My goal with every first-time buyer is to make this process feel less intimidating and more empowering. I’ll walk you through every step, break down the big stuff into bite-sized decisions, and make sure you feel supported the entire way.

And trust me—there’s nothing better than that moment when you do find the one. When the keys are in your hand and the future starts to feel real. That’s the moment I live for.

Thinking about buying your first home? Let’s connect. I’d be honored to guide you through it.