Have you always dreamed of owning your own home? Are the annual increases in rent frustrating you? Do you think you can’t own a home? It is not uncommon for many people to misunderstand or not have all the information for how easy it can be to own your own home. Don’t get me wrong, I’m not saying that everyone will qualify. However, we are no longer in a world that you have to always have 20% down. We are also not back in 2009 when perfect credit was needed on many transactions. Many programs exists that will allow people to qualify for downpayments as low as 3%. It’s important to understand where you are looking, what you can afford, and what issues exist in your credit that we need to account for. In addition, many times by working with an experienced mortgage broker, they can help you plan a roadmap for you to own a home. I offer free consultations for first time homebuyers and can sit down to create this for you. Fill out the form below and I’d love to answer your homebuying questions. I’m Karen Douglas, your mortgage genie whose helping make your dreams a reality.