{"id":1521,"date":"2018-03-02T16:54:37","date_gmt":"2018-03-02T16:54:37","guid":{"rendered":"http:\/\/blog.himorty.com\/?p=1521"},"modified":"2023-09-17T20:15:35","modified_gmt":"2023-09-18T01:15:35","slug":"millennials-buying-homes-heres-theyre","status":"publish","type":"post","link":"https:\/\/www.morty.com\/resources\/mortgage-101\/millennials-buying-homes-heres-theyre","title":{"rendered":"Millennials Are Buying Homes. Here’s How They’re Doing It."},"content":{"rendered":"\n

The road to becoming a homeowner for many Millennials can sometimes seem impossible. Juggling exorbitantly high rents with the burden of student loans makes saving up for a down payment much harder now than it was in the past. Yet, despite these challenges, many people are able to navigate the barriers and find their way into becoming homeowners. In fact, a Bloomberg <\/a>report shows that people aged 18 to 34 have become the largest group of homebuyers in the U.S. <\/p>\n\n\n\n

We found some Millennials who managed to become homeowners and asked them how they did it.<\/p>\n\n\n\n

So…Why Buy A House?<\/h2>\n\n\n
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We all know rent prices are constantly on the rise. Many young people are beginning to consider that it may be more financially sensible to be a homeowner than a tenant, despite the upfront expenses. This calculation is what was on the mind of Curtis, a resident of Urbandale, Iowa. \u201cI considered the cost and value proposition,\u201d he said. \u201c[I] came to the conclusion that it would not be much more expensive than the rent I was paying at the time.\u201d <\/p>\n\n\n\n

Other Millennial homeowners agreed that in the end, it was buying was a better bargain. Chelsea, who lives with her husband in Buffalo, New York felt the same way. \u201cWe felt like we were just throwing money away by renting.\u201d <\/p>\n\n\n\n

Claire, a resident of Des Moines, Iowa had spent a good part of her early life traveling. Claire lived in India for a few years after college. When she came back, she realized that she didn\u2019t really have anywhere to stay. Once she decided that she wanted to settle down and stay in one place, purchasing a home seemed like a good next step to put down some roots in her community.<\/p>\n\n\n\n

Madi, who also recently purchased a home in downtown Des Moines, agreed with purchasing a home to avoid high rent costs. But she was also motivated by other reasons. \u201cI like to not worry about the people around us\u2014new neighbors upstairs, loud dogs, things like that.\u201d Having more control over her living environment was worth the challenge of purchasing a home. <\/p>\n\n\n\n

How Did You Do It?<\/h2>\n\n\n
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According to a study by ApartmentList<\/a>, 68% of Millennials have less than $1000 saved up for a down payment. So, with such dismal rates of savings, how do people manage to find the cash needed to purchase a home? <\/p>\n\n\n\n

Claire managed to solve this problem through some forward planning, a bit of luck, and compromise. She found a friend who was looking to sell a house. \u201cThe house was actually in very bad shape,\u201d Claire said. \u201cThe previous tenant was a hoarder. The house needed a lot of work.\u201d Claire approached her friend and offered to take it off her hands for a lower price. \u201cI had to make some compromises,\u201d Claire said. \u201cIt wasn\u2019t my ideal neighborhood. I had to put a lot of effort into it, and it was a long process… it didn\u2019t even have running water when I got it.\u201d <\/p>\n\n\n\n

But now the Des Moines resident is thrilled with her purchase. \u201cThe house is now in my name, and it\u2019s almost paid off!\u201d <\/p>\n\n\n\n

After renting for a number of years, Chelsea and her husband were ready to settle down and purchase a home in Buffalo, New York. \u201cWe were lucky because we didn\u2019t really come out of school with a lot of student loans,\u201d she said. \u201cSo when we were ready to buy, we didn\u2019t have much to hold us back financially.\u201d <\/p>\n\n\n\n

However, being able to afford a home soon after graduation did not mean that the couple did not have some compromises to make. \u201cThe guy who owned the house before us was a bit shady. We had to do a bit of work on the property when we moved in,\u201d she said. \u201cBut it was worth it.\u201d Chelsea and her husband also decided to purchase a duplex instead of a single-family home. \u201cWe are first-time homeowners and also first-time landlords. But the extra income helps us put more towards our mortgage each month.\u201d <\/p>\n\n\n\n

What Compromises Did You Make?<\/h2>\n\n\n\n

Renting out a room or part of the house continues to be a common thing for many Millennials who buy homes. Curtis, who bought a home in Urbandale, Iowa a few years ago, also went that route. After making the choice to forego college and student loans, he decided to save that money instead and invest in a home. He set aside tax refunds.He sold old comics and added the proceeds to his savings account. \u201cI  bought the house alone. So I made sure it was something in my price range, something that I could comfortably pay on my own,\u201d he said. \u201cBut I have had a roommate in the past, and I wouldn\u2019t be against it again in the future. The extra income is always welcome.\u201d <\/p>\n\n\n\n

Staying within your price range is always a factor when purchasing a home, especially when student loans are involved.<\/p>\n\n\n\n

When Madi and her husband decided to purchase a home in the downtown Des Moines area, she was concerned about what she actually qualified for. \u201cI went to grad school and came out with about $200,000 of student loan debt,\u201d she said. \u201cSo I was worried when we went through the bank that it would limit our ability to borrow.\u201d Thankfully, the couple was able to qualify for VA loans through her husband\u2019s military service. \u201cI was lucky that my student loans were all under income-based repayment, which helps with my ability to help pay the mortgage.\u201d <\/p>\n\n\n\n

What Is The Biggest Fear?<\/h2>\n\n\n
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Taking a leap into home ownership can be scary. And it\u2019s no wonder that many people are terrified of what lies ahead. \u201cOur biggest worry was that we were biting off more than we could chew,\u201d Chelsea said about the process. \u201cWhat if something major and expensive went wrong, and we were not able to fix it?\u201d <\/p>\n\n\n\n

These concerns are absolutely valid, especially for people who have been so used to renting. Landlords take care of leaky roofs, snow on the driveway, or a hot water heater that\u2019s not working. The expenses that come with purchasing a home can sometimes take you back. Curtis agreed with the sentiment: \u201cA major repair is absolutely my biggest concern with owning my own home.\u201d <\/p>\n\n\n\n

Claire, who purchased her house via contract with a friend, came across this issue while refurbishing the home that she would be living in. \u201cThe house was old. And the windows were terrible, which in Iowa is just not an option.\u201d She took out a small loan to pay for new windows. <\/p>\n\n\n\n

Although concerns can be financial, sometimes it\u2019s the prospect of homeownership itself that can be the biggest barrier. \u201cI hate long-term commitment, and worry that maybe I\u2019d want to move in the future or change locations,\u201d says Madi. \u201cI\u2019d like to be able to pick up and sell my house without worrying about losing too much money.\u201d <\/p>\n\n\n\n

Takeaway<\/h2>\n\n\n
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Millennials are well aware that buying a home in itself is a huge commitment. So knowing what’s affordable is a great first step in the process. Regardless of their fears about buying homes, Millennials are pulling together creative resources to navigate the process in a way that makes sense with their ever-changing circumstances. <\/p>\n\n\n\n

Wondering how to start? Or what you can afford? Create a financial profile<\/a> with Morty today.<\/p>\n","protected":false},"excerpt":{"rendered":"

The road to becoming a homeowner for many Millennials can sometimes seem impossible. Juggling exorbitantly…<\/p>\n","protected":false},"author":1,"featured_media":5288,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","_lmt_disableupdate":"","_lmt_disable":"","_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[6],"tags":[],"series":[],"class_list":["post-1521","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgage-101"],"acf":[],"yoast_head":"\nMillennials Are Buying Homes, Here's How. | Morty Resources<\/title>\n<meta name=\"description\" content=\"Adults aged 18 to 34 have become the largest group of homebuyers in the U.S. Here's how they are becoming homebuyers, even with student loan debt.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.morty.com\/resources\/mortgage-101\/millennials-buying-homes-heres-theyre\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Millennials Are Buying Homes, Here's How. | Morty Resources\" \/>\n<meta property=\"og:description\" content=\"Adults aged 18 to 34 have become the largest group of homebuyers in the U.S. Here's how they are becoming homebuyers, even with student loan debt.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.morty.com\/resources\/mortgage-101\/millennials-buying-homes-heres-theyre\" \/>\n<meta property=\"og:site_name\" content=\"Morty Resources\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/HiMorty\/\" \/>\n<meta property=\"article:published_time\" content=\"2018-03-02T16:54:37+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-09-18T01:15:35+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/04\/Stocksy_txpb64e0a94TuN300_Medium_4484336-1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Nora Apsel\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@himorty\" \/>\n<meta name=\"twitter:site\" content=\"@himorty\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Nora Apsel\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.morty.com\/resources\/mortgage-101\/millennials-buying-homes-heres-theyre#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.morty.com\/resources\/mortgage-101\/millennials-buying-homes-heres-theyre\"},\"author\":{\"name\":\"Nora Apsel\",\"@id\":\"https:\/\/www.morty.com\/resources\/#\/schema\/person\/b2240f410dcc926390e8592cf8b62046\"},\"headline\":\"Millennials Are Buying Homes. 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