I stand up for first-time home buyers. You see, in Real Estate, various levels define home sales transactions. These include Luxury, First-time Homebuyers, Investors, First-time Home Sellers, Move-up Buyers, downsizing, Short Sales, Foreclosures, and land. Among these categories, my focus centers on aiding the most vulnerable, particularly First-time Homebuyers. I advocate for them, driven by a passion to make a difference in their lives. My mission is to empower hardworking individuals by transforming renters into home believers, striving to uplift and support them every step of the way.

Why First-Time Homebuyers: Hard-working individuals, the essential workers highlighted during the challenging days of COVID, play a vital role in keeping the economic machinery running smoothly. Their upbringing often lacked the luxury of privilege, with parents striving to provide necessities. These dedicated workers, through their toil, fuel big business by purchasing goods, groceries, entertainment, and vehicles. Amidst their diligent work ethic, they sometimes overlook one of the most significant investments their hard-earned money can make: a home.

Renting to Own Nothing:Renting has its challenges, from dealing with maintenance issues to facing yearly rent increases and the uncertainty of having to move due to rising costs. These concerns highlight the contrast between the physical aspects of relocating to save on rent and the broader economic impact of essentially renting without the prospect of ownership. While some advocate for renting as a means to build wealth, the value of ownership shouldn’t be overlooked. In summary, the decision to buy a home extends beyond mere ownership; it offers stability, budget predictability, and the potential for long-term financial growth.

Not Go Big or Go Home – But Buy Small to Stay And Own: Consider the value of investing in a place to call your own, where inflation becomes a tool for wealth accumulation rather than a hurdle to overcome. The notion of “going big or go home” is being redefined to emphasize the importance of starting small and steadily progressing. It’s crucial to purchase within your means, considering how inflation can outpace income growth, making it harder to afford property later on. Unlike renting, where inflation works against tenants, owning a home provides a stable financial foundation with fixed monthly payments. The primary goal is financial security through predictable expenses, with equity being a beneficial outcome of homeownership.

Nomadic Renters Rent Hike Lamentors: In late 2024, approximately 21% of respondents reported being compelled to relocate due to rent hikes in the last six months. This situation poses challenges as individuals need to gather funds for the first and last month’s rent each time they move. They could save that towards a down payment instead. The prospect of buying a home can seem daunting to some, who view it as a lengthy 30-year commitment or fear perpetual debt to repay the mortgage. I suggest embracing a fresh perspective, where a mortgage payment is viewed as a monthly investment in ownership. In contrast, renting is viewed as a monthly expense with no tangible asset gained, essentially paying for a place you do not own.

Homeownership: The Best Gift Given To The Working Man: The government’s gift of homeownership to the working individual is truly invaluable. By working full-time, you have the opportunity to secure a home with a 30-year loan, offering deductible benefits and the chance to build wealth through equity. Owning a home not only provides financial stability but also the flexibility to leverage your equity for further improvements in your life. In today’s competitive landscape, corporations are significant contenders for housing inventory, highlighting the importance of individual homeownership. Surprisingly, while nearly half of the Bay Area residents are renters, more than 30% of single-family homes are owned by corporations.

Rent to Own Nothing or Buy to Own a Financial Future: By choosing to rent, you inadvertently empower landlords to accumulate wealth through property ownership. This benefit could be yours by investing in your own home. Take control of your future by becoming a homeowner. Instead of paying rent to a landlord, consider investing in a home within your means. Transform your monthly rental expenses into mortgage payments towards a property that will eventually become entirely yours. If you continue to rent, there is no financial future in owning nothing. However, if you decide to step into homeownership, you will secure your financial future today.

Why I Stand Up for First-Time Homebuyers: I strongly advocate for the idea that workers should invest in buying a home. This belief is not driven by personal gain but by a deeper mission, because it provides stability and it gives people a two-legs up, where they can stand on their two feet to compete with inflation. You see, owning a house serves as a crucial hedge against inflation, aligning with the cyclical nature of inflationary trends. In my recent newsletter article comparing the Low-Low Market to the High-High-High Market, a notable statistic stands out. Back in 2010, the average home price stood at $280,000. Fast forward to 2025, and that figure has soared to $900,000, marking a 221.43 % increase, a substantial $620,000 increase in fifteen years. “And fifteen years later, the average yearly income for Californians is, hold it, hold it, drum roll please, a little over $68,000, a mere 20% increase of $11,000, that’s a paltry $733.33 yearly increase spanning over 15 years.” This difference translates into tangible equity growth, showcasing how homeownership can significantly boost personal wealth over time. And yet, that increase can leave you behind if you don’t put yourself at the starting line.

Home Ownership A Pathway for Generational Wealth: The inherent value lies in the contrast between the current market worth of your home and its initial purchase price. This stark difference underscores the financial stability and security that owning a home can provide. It’s a pathway to prosperity that renting simply cannot offer, as renting only leads to prolonged financial struggles without the promise of long-term economic stability or the potential for generational wealth. I take a stand for first-time homebuyers because I genuinely care about securing a fundamental and enduring asset for their lives and the future of their descendants. By establishing homeownership, individuals pave the way for passing down wealth through generations, ensuring a lasting legacy of financial well-being and security. Remember, you don’t pass on anything from renting, just decades of lamenting, and that’s not a legacy, that’s an economic crime that’s been served in time.

Shouting from the Mountain Top: If I could shout this out from the mountain top to reach the working valley below, I would. But my words will have to do the shouting for me, and my mission is to get hard-working people into home ownership, as it is so important to me. All the first-time buyers I’ve helped in the past 23 years have up to $600,000 in equity; ironically, it reflects the 15-year inflationary cycle.

STOP Saying You Can’t: For it will result in you won’t. Instead, start seeing if you can, because every real estate market condition offers an opportunity to own. Conventional wisdom won’t get you through the door, but being creative and joining forces with family, friends, or like-minded co-workers or business associates will make it possible. Up to 4 people together can qualify to purchase a home. So stop being a non-owner loner, and practice what I call joined tenancy, where together you all share in the stability and equity only buying a home provides.

Call Me If You’re Ready: If you or four of you are ready to get started, please feel free to contact me for a no-obligation consultation. I welcome the opportunity to sincerely help, Sincerity Realty “Where Sincerity Has A Home.” 628-888-9078

Thank you, Mary Ann Cadorna, Broker-Owner of Sincerity Realty “Where Sincerity Has A Home”

I Stand Up For First-Time Homebuyers, © August 20, 2025, by Mary Ann Cadorna for San Fran Mary Ann’s Horse Sensical Quotes and Anecdotes. All Rights Reserved.

Check Out My Affordable Homes Websites: www.350Khomes.com, www.450Khomes.com, and www.550Khomes.comSeeing affordability is believing in the possibility, and I believe in converting renters into home believers. Thank you, Mary Ann Cadorna

OUR HOUSE by Crosby, Stills, Nash& Young

#HomeOwnership #FinancialStability #Equity #firstimehomebuyers #RealEstate #Homebuyers #Empowerment

Disclaimer: Some of the Information is deemed reliable but not guaranteed. The information and the opinion of the author provided in this newsletter are for general informational and or entertainment purposes only and do not constitute professional advice. Readers should consult with qualified professionals for advice tailored to their specific needs.