I would love to buy a home and i'm pretty scared. I've even used the search in here and read other threads. I guess I just want more advice.
I've been looking at First Home Owner Loans and lots of people tell me it's not worth it since for FHAs they are like 3% and that I should just save up 20% for a down payment?
The houses where I live are selling for ~half a mil and maybe I should move to another state and it's not worth it here.
I've never had a loan or car payments. I have a good credit score but I guess that doesn't matter. I am not in debt. And I always make all of my monthly payments on time.
I pay for my own schooling out of pocket. I don't have any FAFSA at the moment and I do have a full time job while doing sex work on the side and going to grad school.
I guess I don't understand how refinancing works...
and I never know when a good time to buy a home is.
Eventually, I would like to rent it out while living there or just being a landlord.
Where do I start? I would ask my parents but they barely understand this stuff themselves. :/ and I don't really want to talk about my home buying with my friends or family either.



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