this post was submitted on 07 Sep 2025
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I personally grew up quite impoverished and me and my wife did manage to get our home in medium COL area. We don't have exceptionally high paying jobs nor did we have any help from our families. We just made a lot of effort to build our credit. We're also not old at all under 30 to not dox myself too much.
A lot of people simply have some wrong assumptions about the amount needed to get a loan. We put down 3%, sure we didn't get the most competitive rate and our payment is higher, but it worked out to the cost of our then comparable rent. There's quite a few federal programs that ensure the opportunity for a low downpayment mortgage for first time homeowners.
But that was just slightly before interest rates went insane, kinda on the way up
In a previous life I was a mortgage loan officer at a broker. I bent over backwards helping folks get into those programs whenever possible. I was impressed with how little was needed when everything slotted in place in some cases. Glad it worked for you too!