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Bob Schwartz
San Diego
real estate broker
Certified
Residential Specialist
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If You Can't Afford a First Home
Do you know someone who is living in a tiny apartment, but doesn't have the
funds to get out. Maybe you are in the situation yourself and know that you
are throwing away extra money every month by paying rent. If you are in this
situation, you don't have to be. There are several ways to begin investing
in a first home without having to invest a lot up front.
There are hundreds of people that are living in apartments rather than
investing because of the money that is needed up front, as well as the
adjustments that are needed for income level. At the same time, there are
programs that recognize this and are available to help those in need to find
a first home. If you have a stable income, you also have the ability to move
out of throwing away your money.
One place that you can look into for a first home is the grant programs that
are available. Each locality will have different programs, most which are
easy to qualify for. The programs will vary according to your living
situation and what you need. For example, several grant programs will give
you money simply to be in a first house, while others will give grants to
special situations, such as beginning your own business. Looking into things
such as 'neighborhood goal' can help you find something that won't take your
money with no return every month.
If you aren't assured about what program will work for you, simply ask your
real estate agent. Most of the time, they will be familiar with the programs
and should be able to help you with what is available. By the time you move
into your first home, you will either have everything in the initial
investments paid for you, will receive money back, or will have some
financial support to help you get started.
Making investments in your first home does not inevitably mean saving up
thousands in order to get in the door. It simply means finding the programs
that are willing to help you pack and move and taking advantage of what is
available in your area. With a little bit of research and a little help, you
can stop paying rent and move into an investment.
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