Six ways to qualify as a first-time home buyer (even if you've owned before)!

When I was young, my family used to vacation to the Great Smoky Mountains National Park all the time. I loved the mountains, and it wasn’t long before I set my sights on Rocky Mountain National Park. It was my dream to one day travel to the Rocky Mountains. From a very young age, I grew up always imagining what it would be like to live in Colorado. Fortunately, through education, persistence, and a little luck, I eventually was able to realize that dream, moving my family to the Boulder area in 2006.

Family Man, Nature Lover, Education Enthusiast, and Home Buying Expert

My personal Experience in Real Estate 

I was very fortunate that my previous career as a teacher took me all over the country. I have lived in six different states in my life, visited 49 of the 50 states (Alaska or bust!), and personally owned three homes. My family and I bought our first home in 2000. I was in my late 20s at the time, did not have much money, and definitely had no idea how to purchase a home. But just like with everything else in my life, I turned to education. I bought a course on TV (buying online was not a thing yet!) that taught "how to buy your first home or investment property with little to no money down." Besides just teaching me the terminology, and understanding the world of real estate, it taught me more than 20 different ways to buy a home with little to no down payment. I quickly learned that even though I had maybe $1000 in my pocket at the time, I could become a homeowner.  

As my career as a teacher progressed, earning a doctorate degree in the process, I got my first major university position at the University of Colorado Boulder, which is where I bought my second home. I was able to use the equity in my first home (one of the many techniques for buying a home with no down payment) to upgrade to a home that was 4 times the price of my first! 

Building Wealth with Real Estate

Owning real estate is one of the best ways to build wealth. While there are advantages to renting, your hard-earned cash is going into someone else’s pocket. Also, I learned from experience that when you stay in the same apartment year after year the rent continues to go up with each lease renewal. Typical workers have not seen their wages grow in years, yet the cost of rental housing continues to rise. When you own your own home, it is possible to have payments that can be less than rent payments and are set for the life of the loan. It is possible to build a savings account in the form of equity and to have your home increase in value each year. And, it is possible to reap huge tax benefits that can mean the difference between owing money to the IRS or receiving a nice refund!


Are you ready to buy a home? Maybe, maybe not, but why not find out? Find out if you could own a home for less than what you are paying in rent. Find out about the tax benefits. Find out how owning a home is like putting money into your own personal savings account instead of someone else's every month. Find out if the value of your home and the equity you have built will allow you to upgrade to a home that better fits your needs. If buying a new home isn't the right move for you right now, I'll be honest with you. I don't want you to buy a home before it makes sense for your life plans and financial goals. Instead, we'll put together a plan of what you'll want to do to make it happen for  you  one  day.   

The first step is to schedule a time for us to meet so we can figure it out. Then you'll know with certainty whether being a homeowner, or finding a better home to fit your needs, is possible for you. We can start by looking at what things you should do to make owning a Colorado home come true for you one day in the future. It's an important tool for building wealth and security for you and your future. Plus, if owning a home in Colorado is a dream for you like it was for me, let’s find a way to make that dream come true!


I have a passion for helping people reach their dreams and I have experience doing it for my students for nearly 30 years! I am a resource around real estate education. I’m highly organized and I utilize this talent to remove stress from the home-buying process and to use your time most effectively. I’m constantly involved in continuing education so that I can bring you the most up-to-date technology and resources to ease the process, get the information you need, and reduce your stress. Plus, I've been there! I understand the emotional experience of the purchase and sale of real estate and I am committed to easing the process for my clients.


If you are considering buying a home, I would recommend getting together months before you are ready to start looking so that we can spend time making sure you are on track to meet the financial goals necessary to be prepared for homeownership. If you need to move quickly, we can do that as well. Either way…


Say goodbye to Feeling overwhelmed and hello to your new Colorado home!

schedule Your free consultation now