Buying a home in your 20s is easier than you think.

I never thought I’d want to buy a home before I was married, yet alone in my 20s. Nevertheless with my boyfriend being in the U.S. Coast Guard. I began to stress about if we ever would buy a home. It never made sense to me to buy a home if we would have to move four years later.

Recently, the thought of buying a home has become more realistic for myself. I was lucky enough to live with family for a few years after my college graduation and now I am renting. It is sickening to me, knowing my money is disappearing on a house that I won’t live in for more than a year. 

Nowadays, many Millennials refrain from owning a home mostly because of these two reasons.

The first reason being, they wait until marriage because at that point in their life, they probably have a better idea of where they want to live (like myself), stability in the workplace, etc. The second one is they value having a low-key, low-maintenance lifestyle. Home ownership often doesn't fit this value point.

But, owning a home is still a great money move in most areas. Here are some tips on how to buy a home in your 20s.

Be sure where you want to live.

I am originally from Upstate New York and moved down to Florida for school. Having that experience of living far away from home was an amazing thing because it taught me what I did and did not want. I knew that living back home was not for me.

My current situation is a little different. With my boyfriend being in the U.S. Coast Guard, it gives us plenty of opportunity to visit many places to decide what we like best before we settle down and put our official “roots” into a house.

After you're absolutely sure on where you want to live for the the next three to five years, it's time to roll up your sleeves and figure out how much you want to spend and can afford.

Build up your credit.

Twenty-somethings may have low (or no) credit, which means you'll have a hard time getting approved for a mortgage. Something small you can do if you have no credit, is open up a credit card with a small limit. The key to this is to be sure to pay it off every month.

If you do have established credit, be sure to review your credit report. It is important to keep your balances at 30 percent or below your credit limit in order to increase your score. Also, be sure to pay all your balances on time.

Get pre-approved for a mortgage.

Getting pre-approved for a mortgage will give you an estimate of how much you can afford to spend on a home and is easier than you might think. This Bankrate calculator plays with the numbers to see how your monthly payment would be affected, depending on your interest rate and down payment. You can get pre-qualified with any lender. Often, you can quickly do this right online. You should also be aware of the types of loan products that exist. It is important to use the loan that works best for you. Since my boyfriend is Active Duty, we will have the VA loan available to us. The VA loan is very beneficial to military families because it does not require a down payment or private mortgage insurance premium. 

Having a lower down payment helps ease a lot of the financial hurdles that come with owning a home.

SAVE consistently before buying.

Now that you know how much you can afford for a mortgage, it’s time to think about a down payment. That means trimming the budget and saving, saving, saving.

Some small things to do would be to steadily save a percentage of your paycheck and/or putting any extra money made right into your savings account (side jobs, bonuses, tax refunds etc.).

The most important thing is to set a goal and put aside money consistently for 6 to 12 months before you want to buy. This will help build up your down payment fund. That money could also go towards closing costs.

Get down payment assistance.

Make sure to research every down payment assistance and grant program you can find. It will provide you with a set amount of money to be qualified as a homebuyer.

Know what you’re buying.

It is not only important to worry about the finances of the home but to look into the home itself and its surroundings. Even when I am finding a house to rent, I make sure to do this. 

You want to get to know the neighborhood and areas around the home so you are aware of all that comes with it. Driving past the home in the morning, afternoon, and night is one way to get an idea of the people and traffic around your future home. To dig a little deeper, you could read press releases and news articles about the activity in the area or maybe do some Google digging. 

If your neighborhood has a neighborhood association group, that is one way to meet people in your community and get involved. It could really make all the difference in the home that you choose.

If you can’t afford it, DON’T buy it.

This is probably the biggest advice I could give 20-somethings who are looking to buy a house. While having a low salary, large student loan payments and other variables in your budget, it's important to buy a home you can comfortably afford.

Extra finances to keep in mind will making your budget include your mortgage, taxes, fees, insurance and maintenance costs. Here's another awesome calculator that can help you figure out how much you can afford.

Also, remember this: Just because you have been approved for an amount, doesn't mean you have to buy up to that limit.

Home ownership is smart, but it can be expensive if you don't prepare.

Paisley Punch List

Recently we went through Paisley and made a punch list to finish before the final reveal!

  • There are various areas the paint is bubbling around the fascia & some around the front window frame. We need to correct this.

  • There are shingles to the right when facing the home that are sagging, like someone placed a latter over them. We need these straightened out so they don't look like old shingles.

  • The front porch area & front posts need some touch up paint
  • Need to caulk around the front fascia and around the windows so there are no gaps

  • Need to add a little more mulch to the front where dirt is showing.

  • There is a pile of wood on the side yard of the home if we can get hauled away

  • Secure the TWC box to the home

  • There are a few boards that are soft & need to be secured. There are also various areas of the deck that will need to be repainted. This includes around the bottom of the posts on the ground and board under bottom step.

  • The lattice under the left side of the deck needs to be flush with the bottom of the deck. There are a few lattices missing under the step area.

  • Remove shrubbery at the back of the home. There are various areas where vines are beginning to grow. If we could remove those vines.

  • Need to finish the kitchen floor and add trim/threshold. Including both doorways, between the kitchen/dining room & kitchen/great room.

  • The side door entrance that is being used needs to have the seal repaired or replaced and some touch up paint. There are cracks showing in the door frame.

  • Replace small window in door.

  • The bottom of the Refrigerator needs to be secured.

  • Gloss spray paint the side top portion of the stove
  • Need all the corners of the hardwood floors in the dining room, bedrooms and hallways sanded.

  • Add light in the living room to the fan. We are aware this may be an additional cost.
  • Remove all stickers from all windows or on any items.
  • Need touch up paint throughout. Also need touch up paint on base boards.

  • Need to fix the floor in the great room where the one piece is popping up.
  • Spot on wall by air return in hall needs repaired then painted.
  • Adjust hinges on hall bath vanity door. Not closing properly.
  • Add the trim/threshold in master bath door

  • The left side of the master bath vanity need touch up paint.
  • Replace lights in master bath for updated lights

  • Clean out air vent in master bath floor where debris has fallen down.
  • Need to caulk master bath tile floor where it's dirty

  • Touch up paint under the master bath window.
  • Small spot in ceiling of the back bedroom needs touch up paint.
  • Fill gap around the windows in back bedroom.

Getting close to finishing this one!

Finnegan Progress Preview!

Finnegan is starting to look brand new!

Fireplace is getting an udpate!

We are picking out all the finishing touches!

Old flooring is being replaces by new!

The bathroom is getting a complete overhaul.

The kitchen cabinets are in and are gorgeous!

Tiling is looking great.

And the outside is getting a little TLC!

Stay tuned next week for the video tour and more details!

Finnegan Home

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Some major changes have happened since you last saw the picture above from our new project - the Finnegan home.

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There is now new beautiful siding all round!

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It's gone through a major makeover outside but we aren't finished yet!

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We can't wait to show you what this beauty will look like when it's done.

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There is so much potential in store!

What We Are Working On!

Welcome to our next project!
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This little gem is getting a major face lift! We are currently stripping the house in preparation for the siding.
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After Siding we will be ready to begin electrical, plumbing, and HVAC.
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New windows and doors are in, and the beginning of the porch is coming together!
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I'm excited to see the transformation of this one - are you?

Before & After Melbourne

Here are some pictures of the before and after of Melbourne! Remember this house is available for purchase if you are interested check out the buy tab on our site!



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6934 Melbourne Dr Fayetteville-8



in progress

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Don't forget to check out the complete finished progress on our previous post.

Melbourne In Progress!



This little gem in Fayetteville North Carolina is getting a makeover!


We can't wait to show off the outdoor transformation we have been working on for this amazing property.


The change of color makes the stone pop and the white trim just cleans it all up! It's amazing what a little change can do!


We are prepping the front for some curb appeal as well.


And a new HVAC is being installed! If you are interested in buying this property check out our site under the BUY tab!

Palmer Before & After

Here's a look at the before and after pictures of Palmer! P1040862


Before & After Front






Before & After Living Room






Before & after Kitchen






Before & After Den





Before & After Room






Before & After Bathroom






Before & After Garage






Before & After Backyard






Before & After Back Porch/Deck


What do you think? This house is for Sale in Fayetteville, NC, click here to see the details!

A Look Inside

After finishing Palmer we decided to give it the royal treatment and really show you all why we fell in love with this property. frontlight



























Can't you see why we fell in love with this gem!? This gorgeous property is in Fayetteville NC and up for sale for $144,900! Check out the website to get more details on here.

More fun pictures of this property coming soon with before and after pics you don't want miss!