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I work with a lot of first-time buyers, and many of them tell me the same thing:
“I wish I had started thinking about this sooner.”
So if you’re in your early 20s and homeownership feels far away — this blog is for you. You don’t need a perfect job, a huge savings account, or everything figured out. What you do need is a plan.
Here are 10 realistic, doable steps you can start taking today that can put you in a position to own a home by the time you’re 30.
1. Decide That Is Homeownership a Goal
This may sound simple, but it matters more than people realize. Owning a home doesn’t usually happen by accident — it happens because someone decided early that it was important and planned around it.
You don’t need a date or a specific house in mind yet. Just decide that owning a home is something you want to work toward.
2. Learn How Credit Actually Works
Your credit score plays a major role in your future loan options and interest rates. The good news? You don’t need perfect credit — but you do need healthy credit.
Start by:
- Paying bills on time
- Keeping balances low
- Avoiding unnecessary new debt
Small habits in your 20s make a big difference by 30.
3. Open a Dedicated Home Savings Account
One of the most practical steps you can take is opening a separate savings account specifically for future homeownership.
Even if it’s only $50–$100 a month at first, consistency matters more than the amount. Many buyers are surprised how much they’ve built simply by starting early.
High-yield savings accounts can help your money work a little harder while you’re saving.
4. Understand That You Don’t Need 20% Down
This is one of the biggest myths holding people back.
There are first-time buyer programs in California that allow for low down payments — and in some cases, no down payment at all. You may also be able to use gift funds from family toward your purchase.
Knowing your options early helps you plan realistically instead of giving up prematurely.
5. Avoid Big Financial Moves Without a Plan
Large purchases, frequent job changes, or opening multiple credit accounts can slow your progress if they’re not thought through.
This doesn’t mean you can’t live your life — it just means being intentional. When buyers tell me early that homeownership is a goal, I can help them avoid common financial missteps.
6. Start Learning About Local Markets
You don’t need to track the market every day, but you should understand what entry-level homes look like where you live.
In the Sacramento area, that might mean:
- Condominiums
- Townhomes
- Up-and-coming neighborhoods like Citrus Heights, Oak Park, or Carmichael
Your first home doesn’t need to be your forever home — it needs to be a smart starting point.
7. Be Open to Condos or Smaller Homes
Many first-time buyers get stuck waiting for the “perfect” house. In reality, condos and smaller homes often provide an affordable way to start building equity.
Owning something modest at 28 can put you in a much stronger position by 35 than waiting indefinitely for the ideal scenario.
8. Keep Your Lifestyle Flexible
Renting the most expensive apartment, constantly upgrading cars, or stretching your budget too thin can delay your ability to buy.
This isn’t about sacrifice — it’s about priorities. Temporary flexibility can create long-term stability.
9. Talk to a Real Estate Professional Early
You don’t need to be “ready” to talk to someone like me.
Some of the most successful buyers I’ve worked with reached out years before they purchased. Early conversations help you:
- Understand timelines
- Set realistic goals
- Avoid costly mistakes
There’s no pressure — just information.
10. Think Long-Term, Not Perfect
Homeownership is one of the most effective tools for building long-term and generational wealth — especially when you start early.
Your first home won’t be perfect. It doesn’t need to be. It just needs to move you forward.
Final Thought
If you’re in your 20s, time is one of your biggest advantages. A few intentional steps now can make owning a home by 30 not just possible — but realistic.
I’m always available for a consultation to talk through your options and help you start planning a financial future built on long-term, generational wealth through real estate. If you have questions or want to explore what’s possible for you, you can reach me at r.freedman.one@gmail.com or 650-714-2585.
