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Buying first home harder than it used to be

Whether you want to move out of your parents’ home for the first time, own a home after renting for years or buy a place with a spouse or partner, purchasing your first property is a big step. It takes a lot of preparation when you’re in this stage of your life, and a little luck never hurts.

In recent years, some significant changes to the SAT have been made, and many believe the test is now harder than it used to be. Two of the most prominent changes are the inclusion of a 25 minute prompted writing section, which requires students to write, as best as possible, a first draft essay, usually in five-paragraph form.

While this is certainly not a bad way to buy a first home, the fundamental problem with this line of thinking is that you only really make money on your investment if the value of properties in the area that you’ve selected actually do go up. This is often something that is outside of your control.

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According to a statement issued by the Mortgage Bankers Association (MBA), the cost of buying a home in the U.S. has far outpaced wage growth, and that phenomenon is making homes harder to afford. According to a CNBC report, wages grew just 0.1 percent in February.

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This year’s spring selling season promises to be the toughest for buyers in a decade, economists say, as rising prices and mortgage rates combine with inventory near 20-year lows.

Making the decision to buy your first home often starts rather casually. It often begins at the dinner table or out for a walk in the most innocuous way possible. From that initial discussion to completing the home purchase process can take 3 months, or 3 years.

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