One Year. That Was the Deal I Made With Myself – My First-Time Homebuyer Journey

  

Buying your first home is exciting, but let’s be real—it’s also a grind. It takes discipline, long hours, and trust in the professionals guiding you through the process. I know this firsthand because, at 21 years old, I was right there. I made a deal with myself: *One year. I’m giving myself one year to buy a house so I can get out of here.

 

I had just come back from basic training, moved in with my dad, and knew I wanted more. But wanting something and making it happen are two different things. So, I hustled. Every afternoon from 4-7, I was teaching Taekwondo. Then, from 8 PM to 4 AM, I was dealing blackjack at Harrah’s Casino. I’d go home, sleep until 2 PM, hit the gym, and do it all over again. Rinse and repeat.

 

A year later? I signed the papers on my first home in Bossier City, Louisiana. It wasn’t fancy. It was an \$60,000 starter home, but it was mine. I say *mine*, but really, it became *ours*. During that year, I met Amy, and she had two little girls. That home would be the first place we all lived together as a family. That home meant everything.

 

Lessons From My First Homebuying Experience

 

Looking back, I learned so much during that first purchase—things that still shape how I help first-time homebuyers today. Here are some of the biggest takeaways that might help you if you're working toward homeownership:

 

1. Saving Takes Sacrifice

If you're grinding right now—working late shifts, picking up side gigs, saying no to nights out—I see you. I was right there with you. Saving for a down payment, closing costs, and unexpected expenses takes serious commitment.

 

One of the biggest misconceptions is that you need 20% down to buy a home. While that’s great if you have it, many first-time buyers use FHA loans, VA loans, or conventional loans with as little as 3-5% down. The key is understanding your options early so you can set realistic savings goals.

 

2. Your Mortgage Lender and Realtor Matter—A Lot

When I bought my first home, I never met my loan officer. Not once. Everything was handled over the phone, and while it worked out, looking back, I wish I had someone who took the time to explain things. The mortgage process can feel overwhelming, especially when you’re navigating it for the first time.

 

That’s why, years later, I became a mortgage professional. I want to make sure my clients get the guidance I wish I had. A good lender should:

 

- Walk you through different loan options

- Help you understand your budget (beyond just your monthly payment)

- Keep you updated throughout the process

- Be available to answer your questions (because you will have questions!)

 

The same goes for your real estate agent. You need someone who listens, understands your needs, and doesn’t pressure you into a home that isn’t the right fit.

 

3. Homeownership is More Than a Mortgage Payment

When you buy a home, your expenses don’t stop at the mortgage. Property taxes, homeowner’s insurance, utilities, and maintenance add up. One mistake first-time buyers make is stretching their budget to afford the highest mortgage approval amount. Just because a lender approves you for a certain amount doesn’t mean that’s what you should spend.

 

Before I bought my first home, I ran the numbers—not just the mortgage but the full picture. I factored in utilities, repairs, and even small things like lawn care. That’s something I encourage all my clients to do now. Know your *all-in* costs before you commit.

 

Thinking About Buying Your First Home?

Here’s Where to Start-

 

If you're in that stage of working toward homeownership, here’s my advice:

 

1. Check Your Credit Score 

Your credit score plays a big role in your mortgage interest rate and loan approval. If your score needs work, focus on paying down debt, making on-time payments, and avoiding new lines of credit before applying for a loan.

 

2. Know What You Can Afford

Instead of just looking at what price range you qualify for, consider what you’re comfortable spending each month. Factor in all home-related expenses, not just your mortgage.

 

3. Start Saving Early

Even if you qualify for a low-down-payment loan, you’ll still have closing costs and moving expenses. The more you can save ahead of time, the better.

 

4. Get Pre-Approved Before You Start House Hunting 

A pre-approval shows sellers you're serious and gives you a clear budget to work with. Plus, it helps avoid the disappointment of falling in love with a home that’s out of reach.

 

5. Work With Professionals Who Care

Buying a home is one of the biggest financial decisions you’ll make. Surround yourself with a lender and agent who genuinely have your best interests at heart.

The Grind is Worth It.

That first home in Bossier City was more than just a house—it was proof that hard work pays off. It was the beginning of something bigger, the foundation of a future I was building. And that’s why I do what I do now. Because I know what it’s like to be in that spot—working long hours, saving every penny, and hoping you’re making the right decision.

 

If you're in that place right now, I see you. And I’d love to help.

 

📩 Let’s talk about how to make your homeownership goal a reality. Whether you’re just starting to save or ready to get pre-approved, I’m here to guide you every step of the way.

 

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