Breaking down barriers to achieve the American dream: How first-time homeownership is possible

After 35 years in the mortgage industry, I’ve seen firsthand how the path to first-time homeownership can feel out of reach—especially with home prices and interest rates climbing. In fact, only 21% of recent buyers were first-timers, the lowest share since 1981, even though nearly half of folks want to buy. But in my experience, the American dream is still within reach. There are powerful tools out there—like low down payment loans and assistance programs—that can break down those barriers. At Xpert Home Lending, we’ve closed loans for 750+ borrowers every month by pairing national-level resources with the kind of local service that makes a difference. If you’re weighing your first move, know that there are real options available. Helping people win at this milestone has always been my passion—and with the right strategy, the door to homeownership can open wider than you think.