Yes — many renters can buy, but the right path depends on income, credit, debt, and savings. The point isn’t to guess or rely on headlines. It’s to get a clear plan and a realistic timeline so you know what’s possible for you.

No. Many buyers purchase with far less than 20% down, including low‑down‑payment loans and assistance programs. The right option depends on your finances and comfort level, not a one‑size‑fits‑all rule.

Waiting is a gamble. Rates and prices move independently, and no one can time them perfectly. A better approach is to get prepared so you can act confidently when the timing works for your life — not the news cycle.

Earlier than most people think. Even if you’re 12–36 months away from buying, a conversation can give you clarity, remove uncertainty, and help you plan without any obligation to move forward.

That’s completely normal. This guide is designed to help you take the next right step, whether that’s improving credit, saving, or simply understanding your options.

I don’t pressure people into buying homes. I help renters and first‑time buyers understand their real options, build a realistic plan, and move forward with confidence — when it makes sense. Most people I work with start planning months or years before they buy. That’s why they avoid costly mistakes and feel confident when the time comes.