Many people assume homeownership is off the table, especially with rising costs making it harder to save. If that sounds familiar, you’re not alone. But before you write off the idea of buying a home, let’s talk about some real options that can make it happen.

Maybe you don’t have a big down payment saved up. Maybe your credit score isn’t perfect. That’s okay. There are programs out there designed specifically to help first-time buyers move from renting to owning.

One option is an FHA loan. It’s a great choice if you don’t have a huge down payment or your credit needs some work. With as little as 3.5% down, you can get a home loan with more flexible requirements than conventional mortgages. If a traditional loan isn’t an option, this might be the solution for you.

Another resource? Homebuyer assistance programs. There are more than 2,000 programs nationwide, and the majority focus on helping buyers with their down payments. The average benefit? Around $17,000. Some programs can even be combined to maximize your savings.

The key is knowing what’s available and where to start. That’s where I come in. If buying a home is something you want to explore, let’s talk. I’ll help you find the right resources, connect with lenders who understand your situation, and take the steps needed to turn homeownership into a reality for you.