Under 30 Homebuyer

About Under 30 Homebuyer

Real Stories. Real Inspiration. Owning a home in your 20s is possible, and our homeowner stories prove it. We share real, unfiltered stories from homebuyers under 30 who found creative ways to beat high rent, student loans, down-payment fears, and everything in between. If you’re scrappy, determined, and tired of hearing “wait until you’re 40,” this is your community. Get a head start on your homeownership journey with Under 30 Homebuyer.

Publisher

Under 30 Homebuyer

Category

society & culture

Language

en

Explicit

No

First episode

12 Feb 2026

Latest episode

22 May 2026

Latest episodes

15 episodes in the feed.

1. 

   22 May 2026

   First Investment Property at 24 | Here's How He Did It

   In this video, Darius Stevens shares his journey of purchasing his first investment property just two months before his 25th birthday. Influenced by the classic "Rich Dad Poor Dad," Darius moved from working at his father’s restaurant to flipping houses and building a rental portfolio. He pulls back the curtain on the real-world challenges of real estate, including the high-stakes environment of hard money loans and the strategic advantages of owner financing. Whether you're looking for liquidity through a fix-and-flip or long-term wealth via buy-and-hold rentals, Darius breaks down the exact financial metrics he uses to evaluate deals. He also gets honest about the "cons" of self-managing properties, the reality of unexpected vacancy costs, and why planning for 3-6 months of mortgage reserves is a non-negotiable for first-time landlords. If you’ve been waiting for a sign to start your real estate journey, this episode is your blueprint. Discover how to partner with professionals, mitigate risks, and build a legacy through "doors" that provide recurring revenue for generations to come. Follow & Connect With Under 30 Homebuyer: YouTube: ⁠⁠⁠⁠⁠https://www.youtube.com/@under30homebuyer⁠⁠⁠⁠⁠ (https://www.youtube.com/@under30homebuyer) Instagram: ⁠⁠⁠⁠⁠https://www.instagram.com/under30homebuyer⁠⁠⁠⁠⁠ (https://www.instagram.com/under30homebuyer) TikTok: ⁠⁠⁠⁠⁠https://www.tiktok.com/@under30homebuyer⁠⁠⁠⁠⁠ (https://www.tiktok.com/@under30homebuyer) Facebook: ⁠⁠⁠⁠⁠https://www.facebook.com/under30homebuyer⁠ (https://www.facebook.com/under30homebuyer) ------ 00:00 Intro 00:08 How a 2021 seminar changed everything 00:40 Rich Dad Poor Dad: The book that influenced the shift 01:03 Finding deals in Facebook groups vs. the MLS 01:39 How seller financing works and why they are for flipping 02:11 What happens when a flip takes longer than planned 02:51 The secret to acquiring rental properties 03:44 How to evaluate flips vs. rentals 04:40 Liquidity first, then recurring revenue 05:16 Why he’ll never manage my own properties again 06:34 The vacancy trap every landlord must avoid 07:36 Navigating landlord policies and owner financing 09:09 Partnering with professionals to learn the trade 09:40 Why "slowing down" is the ultimate skill ------ #RealEstateInvesting #FirstTimeLandlord #genzhomebuyers

2. 

   16 May 2026

   The #1 Mistake First-Time Homebuyers Make

   Are you ready to stop guessing and start buying? 🏡 In this episode of Under 30 Home, Kara Sullivan and Carlyn Costco break down the essential home buying tips and real estate advice every first-timer needs. We move past the social media "dream home" filters to show you the actual home buying process. We dive deep into why a pre-approval is your secret weapon, why you definitely don’t need a 20% down payment, and why "waiting for rates to drop" might actually cost you more in the long run. Whether you're fresh out of college or just starting to save, we're busting the biggest home buying mistakes, from credit score myths to the truth about Zestimates. Stop letting fear hold you back from building equity. We’re not just selling houses; we’re advocates for your future. Watch until the end for our rapid-fire True or False game to clear up the confusion and get you closer to your keys! Follow & Connect With Under 30 Homebuyer: YouTube: ⁠⁠⁠⁠https://www.youtube.com/@under30homebuyer⁠⁠⁠⁠ (https://www.youtube.com/@under30homebuyer) Instagram: ⁠⁠⁠⁠https://www.instagram.com/under30homebuyer⁠⁠⁠⁠ (https://www.instagram.com/under30homebuyer) TikTok: ⁠⁠⁠⁠https://www.tiktok.com/@under30homebuyer⁠⁠⁠⁠ (https://www.tiktok.com/@under30homebuyer) Facebook: ⁠⁠⁠⁠https://www.facebook.com/under30homebuyer⁠ (https://www.facebook.com/under30homebuyer) ------ 0:00 Intro 00:24 The Buyer Consultation Deep Dive 01:10 Why Pre-Approval is Non-Negotiable 01:30 Mindset Check: Real Life vs. Social Media 03:04 The Real Estate Rule of Thumb 04:00 Buying for Location & Equity 05:06 Advocate vs. Salesperson 06:06 Pre-Qualification vs. Pre-Approval 07:35 Upfront Costs & Earnest Money Explained 08:54 Should You Wait for Interest Rates to Drop 09:09 Should You Always Offer Under Asking? 09:34 The Truth About Closing Costs 10:15 Appraisals vs. Inspections 10:42 Credit Score Myths Busted 11:07 Can You Buy with Zero Dollars? 12:04 Is Now a Bad Time to Buy? 12:30 Buying Fresh Out of College 12:51 The 20% Down Payment Myth 13:20 How Student Loans Affect Your Loan 13:53 Are Zestimates Actually Accurate? ------ #FirstTimeHomebuyer #RealEstateTips #HomeBuyingMistakes

3. 

   8 May 2026

   Bought My First Home at 25 | Here's What I Wish I Knew

   Join us as Darius Stevens shares his inspiring journey of purchasing his first home at just 25 years old. Drawing from his professional background as a real estate agent, Darius breaks down the exact steps and mindset shifts required to achieve homeownership at a young age. He discusses the emotional "why" behind his purchase, creating a personal sanctuary and building generational wealth, while offering practical, hard-hitting advice for prospective buyers. Darius deep dives into critical financial preparation, specifically for 1099 independent contractors, emphasizing the importance of tax returns and reporting income correctly. He candidly shares his experience overcoming credit obstacles, choosing an FHA loan, and the strategic moves he made to get his offer accepted in a competitive market like Gwinnett County. From the non-negotiable importance of home inspections to the unexpected "obsession" with lawn care that comes with the keys, this video is a comprehensive guide for anyone under 30 wondering if the dream of owning a home is still attainable. Whether you're just starting to save or ready to make an offer, Darius’s professional insights and personal story provide the roadmap you need to secure your own domain. Follow & Connect With Under 30 Homebuyer: YouTube: ⁠⁠⁠https://www.youtube.com/@under30homebuyer⁠⁠⁠ (https://www.youtube.com/@under30homebuyer) Instagram: ⁠⁠⁠https://www.instagram.com/under30homebuyer⁠⁠⁠ (https://www.instagram.com/under30homebuyer) TikTok: ⁠⁠⁠https://www.tiktok.com/@under30homebuyer⁠⁠⁠ (https://www.tiktok.com/@under30homebuyer) Facebook: ⁠⁠⁠https://www.facebook.com/under30homebuyer⁠ (https://www.facebook.com/under30homebuyer) ------ 0:00 Intro 00:14 The "Why" Behind Homeownership 00:47 Real Estate License & Buying Early 00:59 Why You Must Start Planning Early 01:42 Mortgage Tips for 1099 Contractors 02:16 Overcoming Credit Obstacles (FHA Loans) 03:06 Saving for a Down Payment & Contingencies 04:05 Realtor vs. Lender: Who to Call First? 04:40 Finding the Right Property: The Intangibles 05:56 Why Home Inspections are Non-Negotiable 06:12 Getting the Offer Accepted 06:45 Post-Closing Renovations & DIY 07:25 Building Generational Wealth 07:47 Is Homeownership Attainable Under 30? 08:16 Actionable Advice for Aspiring Buyers 09:02 Recap ------ #HomeBuying #FirstTimeHomeBuyer #genzhomebuyers

4. 

   1 May 2026

   They Bought a $402,000 House with ONLY $12K Down (3% Down)

   Can you really buy a $400,000+ home with just $12,000 in the bank? In this video, host Kara Sullivan sits down with Mike and Catherine to break down the exact strategy they used to stop renting and start building equity in their dream home at age 25. You’ll learn how they leveraged a 3% down payment program to secure their $402,000 home. Mikey, a pilot, and Catherine, a nursing student, share the "unfiltered" side of homebuying, from the sacrifices made (like selling a dream car for a high-mileage hybrid) to the reality of wiping out savings to make the investment work. We dive deep into the importance of maintaining an 800 credit score, finding a lender who understands unique career income paths (like the airline industry), and why you don't need to wait until you have 20% down to fire your landlord. Whether you're a first-time buyer or just starting to save, this story proves that with the right guidance and a few strategic sacrifices, homeownership is closer than you think. Follow & Connect With Under 30 Homebuyer: YouTube: ⁠⁠https://www.youtube.com/@under30homebuyer⁠⁠ (https://www.youtube.com/@under30homebuyer) Instagram: ⁠⁠https://www.instagram.com/under30homebuyer⁠⁠ (https://www.instagram.com/under30homebuyer) TikTok: ⁠⁠https://www.tiktok.com/@under30homebuyer⁠⁠ (https://www.tiktok.com/@under30homebuyer) Facebook: ⁠⁠https://www.facebook.com/under30homebuyer (https://www.facebook.com/under30homebuyer) ------ 0:00 Intro 0:37 Meet Mike and Cat 3:26 The marriage proposal 4:07 Why they decided to stop renting 5:32 The challenges of the loan approval 7:30 The importance of good credit 8:42 Sacrifices made to save money 9:45 Other ways they saved for a down payment 11:14 Mike's advice for future homebuyers 12:26 How they personalized their home ------ #firsttimehomebuyer #genz #homeownership

5. 

   24 Apr 2026

   Mortgage Payment Vs Rent: It's Actually LOWER

   Join us on Under 30 Homebuyer as we meet John and Allison Gunther, a young couple who achieved homeownership in their mid-20s. In this episode, host Kara Sullivan dives into their inspiring story, exploring how they navigated the market, utilized first-time home buyer programs (including a fantastic 3% down payment option), and managed their finances to make their dream home a reality. Allison shares insights from her frugal upbringing and how they balanced wedding costs with their savings goals. Discover the realities of buying a home that needs a little love and the strategic plays they're making for their future. If you're a young person dreaming of owning your own place, this episode is packed with valuable tips and relatable experiences. Follow & Connect With Under 30 Homebuyer: YouTube: ⁠⁠https://www.youtube.com/@under30homebuyer (https://www.youtube.com/@under30homebuyer) ⁠⁠ (https://www.youtube.com/@under30homebuyer)Instagram: ⁠⁠https://www.instagram.com/under30homebuyer⁠⁠ (https://www.instagram.com/under30homebuyer) TikTok: ⁠⁠https://www.tiktok.com/@under30homebuyer (https://www.tiktok.com/@under30homebuyer) ⁠⁠ (https://www.tiktok.com/@under30homebuyer)Facebook: ⁠⁠https://www.facebook.com/under30homebuyer (https://www.facebook.com/under30homebuyer) ------ 0:00 Intro 1:05 Meet John and Allison 2:32 Family life and working from home 3:41 Apartment life during COVID 4:35 Why they decided to buy a home 5:32 What the approval process looked like 6:45 Why only one borrower went on the mortgage 7:42 Their 3% down conventional loan strategy 8:34 Saving money and preparing to buy 9:52 Budgeting and figuring out what they could afford 12:02 House hunting during COVID 13:00 Advice for buyers in today’s market 14:08 Marry the house, date the rate 15:11 Going over asking and covering closing costs 16:05 Appraisal challenges during the buying process 17:10 Home projects and making the house their own 19:03 DIY upgrades and renovations 21:00 Advice for under 30 homebuyers 22:30 Recap ------ #FirstTimeHomeBuyer #GenZ #RealEstateJourney

6. 

   19 Apr 2026

   She Bought a Home With a Sewage Leak — Here's What She Did

   In this episode of Under 30 Homebuyer, host Kara Sullivan sits down with Carly, a film industry professional who purchased her first home in Woodstock, Georgia, during her twenties. Carly’s story is a masterclass in resilience, covering everything from finding an off-market gem in a competitive pre-COVID market to navigating a series of "catastrophic" home repairs. Carly candidly shares her experience with what she affectionately calls the "poop ceiling", a major sewage leak that forced a total renovation of her bathroom and laundry room. Instead of letting these disasters discourage her, Carly leveraged insurance claims to modernize her home, using YouTube tutorials and sweat equity to double the property's value. The conversation also touches on the practicalities of co-owning a home as an unmarried couple and the importance of having a clear exit strategy. Whether it’s documenting your belongings for insurance or learning to epoxy countertops on a budget, Carly’s journey offers invaluable advice for first-time buyers on turning unexpected household disasters into long-term financial equity. Follow & Connect With Under 30 Homebuyer: YouTube: ⁠https://www.youtube.com/@under30homebuyer⁠ (https://www.youtube.com/@under30homebuyer) Instagram: ⁠https://www.instagram.com/under30homebuyer⁠ (https://www.instagram.com/under30homebuyer) TikTok: ⁠https://www.tiktok.com/@under30homebuyer⁠ (https://www.tiktok.com/@under30homebuyer) Facebook: ⁠https://www.facebook.com/under30homebuyer (https://www.facebook.com/under30homebuyer) ------ 0:00 Intro 0:21 Meet Carly 2:38 How she overcame a low budget 3:36 Finding a home off-market 4:37 Losing her job 5:30 The conventional loan process 7:11 The love letter 8:43 Kitchen renovation 10:59 The poop ceiling 12:06 Managing the insurance claim 13:28 Other home renovation projects 17:13 Divorce led to selling 20:50 Doing renovations the right way 23:24 Key advice for homeowners insurance 25:31 Recap ------ #FirstTimeHomeBuyer #HomeRenovation #RealEstateTips

7. 

   15 Apr 2026

   At 21, She Achieved the Dream – Bought Her First Home

   Join Isabella, a 21-year-old, as she shares her inspiring journey to becoming a homeowner! Discover her practical approach to saving money and achieving financial independence, proving that with determination, home ownership is within reach. This video shares valuable insights and real estate tips for aspiring first time home buyers! 🏡✨ Follow & Connect With Under 30 Homebuyer: YouTube: ⁠⁠https://www.youtube.com/@under30homebuyer⁠⁠ (https://www.youtube.com/@under30homebuyer) Instagram: ⁠⁠https://www.instagram.com/under30homebuyer⁠⁠ (https://www.instagram.com/under30homebuyer) TikTok: ⁠⁠https://www.tiktok.com/@under30homebuyer⁠⁠ (https://www.tiktok.com/@under30homebuyer) Facebook: ⁠⁠https://www.facebook.com/under30homebuyer⁠ (https://www.facebook.com/under30homebuyer) ------ 0:00 Intro 0:33 The final walk-through 0:59 The closing table 1:43 The hardest part 3:33 Moments she didn't think it would happen 3:54 The length of the process 4:20 How many homes she looked at 4:40 Living with her parents to save money 5:35 How much the down payment was 6:45 Saving for a down payment 8:07 Why homebuyers are afraid 9:29 Advice from Isabella 10:34 The importance of the right team 11:25 Recap ------ #genzhomebuyers #homebuyingtips #homepurchase

8. 

   8 Apr 2026

   The Home Buying Process - First Time Buyers Under 30

   Many first-time homebuyers are often surprised by the complexities of the home-buying process. This video offers lots of great advice for young buyers, covering everything from understanding the role of a real estate agent to navigating closing costs and even touching upon what an HOA entails. Get valuable real estate tips to make your homebuying journey smoother! Join our Director, Travis Conover, along with our host and Realtor, Kara Sullivan, as she sits down with a would-be homebuyer (paid actor: Derrick Wright) for an abbreviated version of a buyer consultation and home tour. Follow & Connect With Under 30 Homebuyer: YouTube: ⁠⁠https://www.youtube.com/@under30homebuyer⁠⁠ (https://www.youtube.com/@under30homebuyer) Instagram: ⁠⁠https://www.instagram.com/under30homebuyer⁠⁠ (https://www.instagram.com/under30homebuyer) TikTok: ⁠⁠https://www.tiktok.com/@under30homebuyer⁠⁠ (https://www.tiktok.com/@under30homebuyer) Facebook: ⁠⁠https://www.facebook.com/under30homebuyer⁠ (https://www.facebook.com/under30homebuyer) #genzhomebuyers #under30

9. 

   1 Apr 2026

   Popcorn Ceilings to Perfect Home: How They Did It

   Buying your first home in your twenties often takes years of planning, saving, and sacrifice—but the reward of having something truly your own can make it all worth it. In this episode of Under 30 Homebuyer, host Kara Sullivan sits down with Peyton Jackson, a 28-year-old homeowner who shares how she and her husband Kyle turned a long-term plan into their first home. Follow & Connect With Under 30 Homebuyer: YouTube: ⁠⁠https://www.youtube.com/@under30homebuyer⁠⁠ (https://www.youtube.com/@under30homebuyer) Instagram: ⁠⁠https://www.instagram.com/under30homebuyer⁠⁠ (https://www.instagram.com/under30homebuyer) TikTok: ⁠⁠https://www.tiktok.com/@under30homebuyer⁠⁠ (https://www.tiktok.com/@under30homebuyer) Facebook: ⁠⁠https://www.facebook.com/under30homebuyer⁠ (https://www.facebook.com/under30homebuyer) Peyton and Kyle’s journey began more than two years before they ever closed on their house. After deciding they wanted to become homeowners, they spent over a year saving aggressively for a down payment and future renovations. Even with a first-time buyer loan that required only 3% down, they knew the home they purchased might need updates, so building extra savings became part of the plan. While renting, they even practiced living on their “future mortgage payment” by saving the difference between their rent and what a mortgage would likely cost. Like many first-time buyers, they entered a competitive market where some homes were receiving offers from cash buyers. Peyton says one of the biggest lessons was learning not to get too emotionally attached to a house before an offer is accepted. After touring about seven or eight homes, they found the one that felt right—especially for Kyle, who immediately started imagining how they could transform the space. To help their offer stand out, Peyton wrote a personal letter to the homeowners describing their vision for the house and their plans to build a life there. The strategy may have helped tip the scales in their favor. After closing, the real work began. The couple couldn’t move in right away because the home needed significant updates. For nearly two months, Peyton and Kyle spent evenings and weekends renovating while working full-time jobs and planning their wedding at the same time. Their DIY projects included scraping popcorn ceilings, painting every wall, door, and trim piece, installing crown molding, updating bathrooms, adding a pantry to the kitchen, and replacing several fixtures throughout the house. Many nights they packed sandwiches, drove to the empty house after work, and worked until late in the evening to move the renovations forward. The inspection process also uncovered some issues, including rotting window frames. While they initially asked the sellers for about $10,000 toward closing costs, they ultimately negotiated $4,000 in concessions—plus a John Deere lawn mower that came with the property. Peyton also shares one important financial lesson she learned during the mortgage process. Lenders determine how much home you can afford based on gross income, not the take-home pay that actually hits your bank account. Because of that, Peyton and Kyle created their own budget to decide what monthly payment felt comfortable rather than relying solely on the lender’s number. Even after closing, expenses continued with renovation supplies, tools, and a short period where their rent overlapped with their mortgage payment. But planning ahead and saving extra made the transition manageable. Today, Peyton says the best part of homeownership is having something that truly belongs to them. Unlike renting, their home is a place they can renovate, personalize, and build memories in. The long nights of sanding, painting, and fixing things together made the house feel even more meaningful. Her advice for young buyers is simple: educate yourself about the process, talk with a realtor early, and develop a clear financial plan. Buying a home may require patience and sacrifice, but starting earlier can help build equity and open doors to future opportunities.

10. 

    25 Mar 2026

    I Bought a Home as a Single Mom With Zero Down

    Buying your first home is stressful enough—but imagine doing it at 26 as a single mother of two with only one income. In this episode of Under 30 Homebuyer, host Kara Sullivan sits down with Aubrey Barrett to share the emotional and inspiring story behind her journey to homeownership. From navigating the uncertainty of COVID-19 to buying her first home with a 0% down USDA loan, Aubrey explains how determination, sacrifice, and the right guidance helped her become a homeowner—and eventually upgrade to a second home with her growing family. Follow & Connect With Under 30 Homebuyer: YouTube: ⁠⁠https://www.youtube.com/@under30homebuyer⁠⁠ (https://www.youtube.com/@under30homebuyer) Instagram: ⁠⁠https://www.instagram.com/under30homebuyer⁠⁠ (https://www.instagram.com/under30homebuyer) TikTok: ⁠⁠https://www.tiktok.com/@under30homebuyer⁠⁠ (https://www.tiktok.com/@under30homebuyer) Facebook: ⁠⁠https://www.facebook.com/under30homebuyer⁠ (https://www.facebook.com/under30homebuyer) ⁠ (https://www.facebook.com/under30homebuyer⁠) Aubrey’s story begins in early 2020 when she and Kara started looking at homes just as the world was shutting down due to COVID-19. Despite being furloughed from her job during the process, Aubrey pushed forward with the purchase. With the help of a new lender and careful documentation, she locked in one of the historically low mortgage rates of the pandemic and closed on a nearly new four-bedroom home for just $157,000—keeping her monthly mortgage under $1,000. For Aubrey, the moment represented more than just buying a house. It meant creating stability for her daughters and breaking a generational cycle. One of the key factors that made the purchase possible was the USDA loan program, which allowed Aubrey to buy with no down payment. To afford the home, she made a major sacrifice—moving to a more rural area about an hour away from work and school. The longer commute wasn’t easy, but it allowed her to secure a safe, spacious home for her family at a price she could manage on a single income. Just 18 months later, the housing market surged. Aubrey reached out to Kara to explore selling, and the home quickly received multiple offers. She ultimately sold it for a significant profit, walking away with roughly $30,000–$40,000 in equity. That equity became the stepping stone to her next chapter. Shortly after selling the home, Aubrey’s life took an unexpected turn. She reconnected with DJ, a coworker she had known for years. Within months they were engaged, married, and expecting a baby. With a growing family and a small apartment, they knew it was time to buy again. In 2022, Aubrey and DJ purchased their second home in the Jasper area. The market had changed dramatically since her first purchase, with higher home prices and increased competition. With Kara’s guidance, they crafted a strong offer and negotiated a seller concession to address older polybutylene plumbing discovered during inspection. The couple closed on the home and began renovating before moving in, updating floors, paint, and fixtures to make the house their own. Throughout the episode, Aubrey shares candid lessons about the realities of homeownership—from unexpected increases in property taxes and insurance costs to understanding escrow adjustments that can raise monthly payments. She also talks about smaller but memorable surprises, like buying a refrigerator that didn’t fit the kitchen space until a cabinet was moved. Looking back, Aubrey emphasizes the importance of focusing on the monthly payment you’re comfortable with, being willing to make sacrifices for affordability, and remembering that many home imperfections can be fixed over time. She also encourages first-time buyers not to be discouraged by challenges or uncertainty—especially early in the process. Whether you’re a first-time buyer, considering rural housing programs like USDA loans, or wondering how early homeownership can build financial momentum, Aubrey’s story shows how a single home purchase can completely change your future.

11. 

    18 Mar 2026

    3 Homes by 28: This Was The Scariest Part

    Buying your first home before 30 can feel overwhelming—but what if you did it three times before turning 28? In this episode of Under 30 Homebuyer, host Kara Sullivan sits down with Caroline Linhart, a nurse, mom, and savvy young homeowner who has already bought, sold, and upgraded through three homes in just six years. Caroline shares the real story behind her journey—from a VA loan starter home to building a custom home for her growing family—and the lessons she learned along the way. Follow & Connect With Under 30 Homebuyer: YouTube: ⁠⁠https://www.youtube.com/@under30homebuyer⁠⁠ (https://www.youtube.com/@under30homebuyer) Instagram: ⁠⁠https://www.instagram.com/under30homebuyer⁠⁠ (https://www.instagram.com/under30homebuyer) TikTok: ⁠⁠https://www.tiktok.com/@under30homebuyer⁠⁠ (https://www.tiktok.com/@under30homebuyer) Facebook: ⁠⁠https://www.facebook.com/under30homebuyer⁠ (https://www.facebook.com/under30homebuyer) Caroline’s story is a powerful example of how real estate can become a stepping stone toward your dream home—even if you’re starting young. At just 28 years old, she and her husband have already navigated three different types of home purchases: new construction with a VA loan, a resale property during a competitive bidding market, and finally building a custom home from the ground up. Along the way, Caroline explains how timing, equity, and smart decisions helped her move up with each home. Her first house served as a starter property while her husband transitioned out of the military. Not long after, they sold and used their equity to purchase a larger home closer to family. After a few years and significant market appreciation, they sold again—walking away with roughly $100,000 in equity to help build their current home. The episode dives into the realities behind different financing options, including the pros and cons of VA loans, private lenders, and traditional mortgages. Caroline also shares a surprising lesson she learned with a private lender—when property taxes arrived in a single large bill because they weren’t included in escrow. But the most exciting part of Caroline’s journey was designing her third home from the ground up. From choosing flooring and cabinets to selecting brick and layout features, she describes how the customization process turned a simple house into something truly personal. Of course, it wasn’t without challenges—trusting a builder’s vision when the home didn’t exist yet required imagination and patience. Caroline also reflects honestly on what she might do differently. While each move helped her upgrade, she admits that slowing down during the first purchase and exploring more options might have saved a few moves along the way. Her biggest advice for young buyers? Take your time, think about long-term needs, and don’t be afraid to consider a slightly bigger home if life could grow into it. Whether you’re a first-time buyer, considering new construction, or simply curious how young homeowners build wealth through real estate, Caroline’s journey proves that homeownership under 30 is possible—with the right mindset, strategy, and a little patience. Tune in to hear how one young family turned three homes in six years into the house they always dreamed of.

12. 

    12 Mar 2026

    Approved for a House with Just 3% Down

    Buying a home in your 20s can feel impossible—but Alex and Eric prove it’s not. In this episode, they share how they purchased their first home in their mid-20s with just 3% down, how they prepared financially, and what surprised them most about homeownership. Follow & connect with Under 30 Homebuyer: YouTube: ⁠⁠https://www.youtube.com/@under30homebuyer⁠⁠ (https://www.youtube.com/@under30homebuyer) Instagram: ⁠⁠https://www.instagram.com/under30homebuyer/⁠⁠ (https://www.instagram.com/under30homebuyer/) TikTok: ⁠⁠https://www.tiktok.com/@under30homebuyer⁠⁠ (https://www.tiktok.com/@under30homebuyer) Facebook: ⁠⁠https://www.facebook.com/under30homebuyer⁠ (https://www.facebook.com/under30homebuyer) From budgeting and credit habits to house hunting during the chaos of COVID, their story shows that responsibility, preparation, and the right support team can make homeownership achievable much earlier than many people think. Alex & Eric First-time homebuyers who purchased their house in July 2020 Bought their home at ages 26 and 25 Parents of three children Alex works in insurance Eric works as an accountant Homeowners for nearly five years They purchased their home in Canton, Georgia after years of saving and planning—while living in an apartment with their growing family. One of the biggest myths about homeownership is the belief that buyers must put down 20%. Alex and Eric purchased their home with only a 3% down payment using a conventional loan. Their story highlights an important lesson: many first-time buyers qualify for programs that require far less money upfront than people assume. As Alex explains, many young people believe they need huge savings or perfect credit before buying a home—but that simply isn’t true. Eric built strong credit early by following simple habits: Getting a credit card as a teenager Paying the balance in full every month Avoiding carrying debt He never rolled balances into the next month, which helped him maintain strong credit. The takeaway: You don’t need an 800 credit score—but consistent financial responsibility goes a long way. By the time they bought their home, Eric had saved: $9,000 for the down payment Over $30,000 in savings for moving, renovations, and emergencies. That extra cushion helped them avoid becoming “house poor.” When they purchased their home, their rent was about $1,350 per month. Their new mortgage payment (before taxes) was around $1,400 per month—roughly the same price. But the difference was huge: More space for their family No shared apartment walls Better schools for their children Building equity instead of paying rent Eric says owning a home provides pride because it’s something they can potentially pass down to their children one day. A surprising takeaway from their experience was how manageable the process actually felt. Before buying, they assumed getting approved for a mortgage would be extremely difficult. Instead, with the help of a knowledgeable lender and real estate agent, the process was much smoother than expected. Alex believes many young people avoid buying simply because they don’t understand their options. If you’re unsure whether you’re ready to buy, start by speaking with a real estate agent. They can help you understand: Whether you qualify What price range makes sense What steps to take before applying Eric suggests a simple strategy: Pretend you already bought a house. Spend several months living on the budget you’d have with a mortgage payment. If it feels comfortable, you may be ready to buy. If it doesn’t, you’ll know you need to adjust before purchasing. You should ideally have money saved for: Moving costs Repairs Furniture Emergency expenses Renovations Alex and Eric’s story challenges many common misconceptions about buying a home. You don’t need: A massive down payment Perfect credit A huge salary What you do need is preparation, financial responsibility, and guidance from the right professionals. Their journey shows that with the right habits and mindset, homeownership in your 20s is more achievable than many people realize.

13. 

    12 Feb 2026

    I Bought a House on $38k/Yr, Added Roommates

    Brielle shares her journey as a first-time home buyer at just 24, despite a modest income of just $38,000 per year. Learn how to buy a house even when the market is competitive, and get essential home-buying tips, including innovative ideas for using roommates to help offset her monthly mortgage payment. She covers how she managed her mortgage and the challenges of home buying on a single income. Follow & connect with Under 30 Homebuyer: YouTube: ⁠⁠https://www.youtube.com/@under30homebuyer⁠⁠ (https://www.youtube.com/@under30homebuyer) Instagram: ⁠⁠https://www.instagram.com/under30homebuyer/⁠⁠ (https://www.instagram.com/under30homebuyer/) TikTok: ⁠⁠https://www.tiktok.com/@under30homebuyer⁠⁠ (https://www.tiktok.com/@under30homebuyer) Facebook: ⁠⁠https://www.facebook.com/under30homebuyer⁠ (https://www.facebook.com/under30homebuyer) Can you really buy a home in your early 20s on a $38,000 salary? In this episode, we sit down with Brielle Underwood, who purchased her first home at just 24 years old—right in the middle of the ultra-competitive 2021 housing market. Despite being outbid multiple times and earning what many would consider a modest salary, Brielle made it happen with smart saving, strategic planning, and a little creativity. If you’re renting, feel stuck, or think homeownership is out of reach, this episode will challenge everything you thought you knew. Meet Brielle Bought her first home at 24 years old Income at the time: $38,000/year Purchased in 2021 during the peak competitive market Put 5% down and covered her own closing costs Now lives in her townhome with roommates (who help offset the mortgage) What You’ll Learn in This Episode 💰 Renting vs. Buying on a $38K Salary Rent she was seeing: $1,800–$2,500/month Her mortgage: Just over $1,400/month Why she realized owning was actually more affordable than renting 🏦 Getting Pre-Approved (Even When You Think You Won’t Qualify) Initially assumed she couldn’t qualify Encouraged by her realtor to “just run the numbers” Approved for $250,000 Purchased for around $276,000 (with a co-signer to bridge the gap) 💵 How She Saved for a Down Payment Started saving as early as age 12 Lived at home during college to avoid rent Made sacrifices to graduate debt-light Prioritized saving long before homeownership was even on the horizon 🔥 Buying in a Red-Hot Market Lost 8–10 offers Competing against cash buyers Finally secured a new construction townhome off-market Got to choose some finishes before the build was complete 🏘️ Why She Chose a Townhome Originally wanted a single-family home Expanded her search due to market competition Discovered benefits of townhome living: HOA handles landscaping Pool, tennis court, dog park Strong community feel “10 out of 10 — would do it again.” 🏠 House Hacking with Roommates Bought a 3-bedroom home Rents out extra bedrooms Uses lease agreements to protect both sides Turned roommates into close friends Offset costs and reduced financial pressure 😨 The Fear Factor Biggest fear: “Can I afford this long-term?” Concern over rising taxes and cost of living Overcame fear by: Budgeting carefully Being disciplined with spending Prioritizing homeownership Key Takeaways You may qualify for more than you think. A lower income doesn’t automatically disqualify you. Buying can be cheaper than renting — depending on your market. Creative strategies (like roommates or co-signers) can open doors. Sacrifices today can create long-term financial freedom. The first step is simply asking: What would I qualify for? Brielle’s Advice for First-Time Buyers “Don’t assume you can’t do it. Just run the numbers. Find a great realtor and lender. Don’t let fear or the unknown hold you back.” Who This Episode Is For Renters wondering if they should buy Young professionals under 30 First-time buyers with modest incomes Anyone who thinks homeownership is unattainable If you enjoyed this episode, share it with someone who needs to hear that buying a home might be more possible than they think. And if you bought your first home under 30, we’d love to hear your story!

14. 

    12 Feb 2026

    Our Housing Market: Not The Same As It Was For Boomers

    Meet Kara, the host of Under 30 Homebuyer, and a a real estate agent who bought her first home at just 24. She shares her personal journey and how she beat the odds and bought young while self-employed. Join us as Kara shares her experiences and provides tips to empower your homebuying journey. Follow & connect with Under 30 Homebuyer: YouTube: ⁠https://www.youtube.com/@under30homebuyer⁠ (https://www.youtube.com/@under30homebuyer) Instagram: ⁠https://www.instagram.com/under30homebuyer/⁠ (https://www.instagram.com/under30homebuyer/) TikTok: ⁠https://www.tiktok.com/@under30homebuyer⁠ (https://www.tiktok.com/@under30homebuyer) Facebook: ⁠https://www.facebook.com/under30homebuyer (https://www.facebook.com/under30homebuyer) “You’re too young to buy a house.” It’s something many millennials and Gen Z hear over and over again. But is it true? In this episode, host Kara shares her personal journey of buying her first home at 24, becoming a licensed real estate agent at 20, navigating life as a young professional, and building a family — all before turning 30. From generational wealth gaps and rising home prices to addiction in her childhood and the drive to build something different for her own family, Kara opens up about the experiences that shaped her perspective on homeownership. If you’re under 30 and wondering whether buying a home is realistic in today’s economy, this episode is your reminder: it’s possible — but it requires the right mindset, team, and preparation. In This Episode, You’ll Hear: 🏠 Buying at 24 — Before It Felt “Normal” Why buying wasn’t even on her radar at first The hesitation around living alone at 24 The challenge of selling homes before owning one Why timing matters more than age 💰 The Generational Wealth Gap Is Real Why millennials and Gen Z face a different housing market than their parents $18,000 homes in the 1960s vs. $300,000+ today How rising home prices and technology have reshaped real estate Why working with someone who understands your generation matters 📉 The Struggles Young Buyers Face Saving for a down payment in today’s economy Understanding loan programs with lower down payment options Why credit building early is critical Avoiding common financial pitfalls in your 20s 👩👧👦 How Her Childhood Shaped Her Drive Kara shares a deeply personal story about: Growing up with a father battling addiction Being raised by a strong, independent mother Moving frequently while “chasing storms” Losing her dad shortly after her son was born Those experiences fueled her desire to: Break generational cycles Build stability Create a strong marriage and family foundation Provide something different for her children 💍 Building a Life Before 30 Married in 2021 Two children 21 months apart First home at 24 Nearly a decade in real estate before turning 30 It wasn’t accidental. It was intentional. Why First-Time Home Buyers Have Her Heart Luxury homes are exciting — but first-time buyers? There’s nothing like handing someone the keys to a home they built from scratch. “You worked for this. You did this. You built this.” That’s the moment that never gets old. Key Takeaways Buying before 30 is possible — but preparation matters. Credit health in your early 20s can make or break your buying power. You don’t have to follow your parents’ timeline — the market is different now. Surround yourself with professionals who understand your stage of life. Stability is something you can create, even if you didn’t grow up with it. Who This Episode Is For Millennials and Gen Z questioning if homeownership is realistic Young professionals trying to build credit and savings First-time buyers feeling discouraged by rising prices Anyone who needs encouragement that their past doesn’t define their future If you’re under 30 and dreaming about homeownership, this episode is your reminder: You are not too young. You are not too late. And you are not alone. See you next time.

15. 

    12 Feb 2026

    Living With My Grandma Helped Me Save a Down Payment

    When Danielle wanted to buy a house, she lived with her grandma for three years and invested the money she would have spent on rent. She eventually had enough for a healthy down payment. Danielle is a self-employed business owner and was still able to purchase a home in her 20s. Learn more about her amazing story and how other buyers can apply what she learned to their own homeownership plans. Follow & connect with Under 30 Homebuyer: YouTube: ⁠⁠https://www.youtube.com/@under30homebuyer⁠⁠ (https://www.youtube.com/@under30homebuyer) Instagram: ⁠⁠https://www.instagram.com/under30homebuyer/⁠⁠ (https://www.instagram.com/under30homebuyer/) TikTok: ⁠⁠https://www.tiktok.com/@under30homebuyer⁠⁠ (https://www.tiktok.com/@under30homebuyer) Facebook: ⁠⁠https://www.facebook.com/under30homebuyer⁠ (https://www.facebook.com/under30homebuyer) In this episode of Under 30 Home Buyer, we meet Danielle Rubin, who bought her first home at 26 after spending three years living with her grandmother, saving aggressively, and investing up to 60% of her income. Danielle is a former college softball player turned business owner who built her brand from scratch — and used smart financial habits, long-term thinking, and strong mentorship to make homeownership happen. Meet Danielle Bought her first home at 26 Business owner (softball pitching coach with 3,000+ athletes trained) Lived with her grandmother for 3 years Saved aggressively and invested through E-Trade Put 20% down Purchased in a competitive 2024 market The Turning Point After her grandfather passed away, Danielle moved into her grandmother’s basement. What started as helping each other heal turned into a three-year financial launchpad. Instead of rushing into rent, she: Lived rent-free Saved up to 60% of her income Learned how to invest Built multiple savings “buckets” Grew her business From Renting to Buying (Fast) Danielle originally planned to rent. Her dad ran the numbers and asked: “If you’re going to pay that much in rent… why not invest it into a house?” Sometimes the right team makes all the difference. Her Financial Strategy Danielle didn’t just save — she invested strategically. 💰 Investment & Savings Buckets Inside her E-Trade account, she created: Long-term investment account Short-term investment account House fund Car fund Vacation fund 401(k) IRA She treated saving like a system — not a guessing game. 📉 Lessons She Learned Understand interest rates Know what a down payment actually means Run realistic numbers Don’t become “house poor” Stick to your budget Buying in a High-Price Market One of the hardest mental hurdles? Seeing what neighbors paid years ago compared to today’s prices. She had to trust: That housing historically appreciates That refinancing is an option That long-term investing beats short-term fear Her logic was simple: “If I’m paying the same as rent, why throw that money away?” What She’d Do Differently Pay closer attention to yard drainage Tour homes in the rain Think harder about renovation priorities Be even more personally involved in negotiations Unexpected Homeowner Lessons Termite prevention on slab foundations Replacing a water heater early to avoid disaster Landscaping costs add up You must change air filters and fridge filters regularly Set calendar reminders for maintenance The Emotional Side of Ownership Danielle says her favorite part of homeownership is: The independence The empowerment Hosting friends and family Feeling secure Building something for her future It wasn’t just about the investment. It was about growth. Danielle’s Advice to Future Buyers 1️⃣ Seek Mentorship Don’t try to do it alone. Build a team. 2️⃣ Ask Questions You’re not “behind” if you don’t know the terms. Learn them. 3️⃣ Run Real Numbers Know your monthly budget. Stick to it. 4️⃣ Think Long-Term Don’t just think about today — think 5–10 years ahead. 5️⃣ Start Investing Early Understanding compound growth is a game-changer. You can buy with as little as 3% down. If your monthly payment is similar to rent, why not build equity? “It doesn’t have to be your forever home. It’s an investment.”

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