Path to Homeownership

Homeownership often starts years before one takes the plunge. If you want to own a home one day, start now.
1. But Demetria, I am still in college?
2. Demetria, we are buried in debt?
3. Demetria, we aren’t sure we can save 20% down.

Want my tips?

  • Keep an eye on your credit score. Make sure payments are made on time, and don’t start poor money habits in college. Ask yourself if you really need something a few times before you spend. The little things that suck funds will often not feel so important the next day. Read about financial literacy, listen to podcasts and put your future before things, and find friends who feel this way too.


  • I feel you! Debt is a crusher. As a young family, we were so in debt that it was crushing. So, we started chunking it down, rethinking purchases and spending decisions. We, as a couple, started to prioritize needs vs. wants. Instead of take-out, we would do our own cook-offs, and the kids would judge, picnics by a stream, and movie night in a pillow fort in the living room. We would pay a few dollars extra on the electric, gas, and phone bills. Pay more than the minimum if you can on credit cards. It will add up. Get a few extra dollars, and reward yourself by paying towards debt. It is a bummer at first, but trust me, it will feel great when you start taking control back.


  • I made it my personal mission to take debt on with honesty, and I was intent on winning. Even one extra payment a year on a thirty-year mortgage saves you 30 months of payments. It will save you more when you apply it all on principle. Twice a year is 60 months saved, that is 5 years. So start tackling debt before you are a homeowner will help you into good habits to tackle your mortgage.


  • Lots of people can’t. TONS of first-time homebuyer programs exist, from local grants to loan programs. Explore programs online by searching online. Try terms like “first-time home buyer grants……” First-time home buyer loans. Check out the resources at just one link.…/virginia/homeownership/buyingprgms
Demetria Clark

Call me to chat about your homeownership options.

Demetria Clark, Realtor | Virginia Realtor
Hauser Realty Group

All information provided herein has been obtained from reliable sources, but may be subject to errors, omissions, change of price, prior sale, or withdrawal without notice. Homes by Demetria and its affiliates make no representation, warranty or guarantee as to the accuracy of any information contained herein. You should consult your advisors for independent verification of any properties.

Blog Disclaimer
Click to Read

Disclaimer: Important Information Regarding Our Real Estate Blog

Last Updated: [Date]12/17/2023

The information provided on is intended for general informational purposes only. The content on this blog is not intended to be a substitute for professional advice, and it should not be relied upon as such. Readers are encouraged to seek professional guidance for specific real estate, legal, financial, or related matters.

Accuracy of Information:

While we strive to provide accurate and up-to-date information, the real estate industry is dynamic, and laws and regulations can change. The content on this blog may not always reflect the most current developments or market conditions. We do not guarantee the accuracy, completeness, or suitability of the information presented, and users should verify any details independently.

Personal Responsibility:

Readers are advised to use their discretion and exercise due diligence before making any decisions based on the information provided in our blog. Real estate transactions involve significant financial decisions, and individual circumstances may vary. It is important to consult with qualified professionals, such as real estate agents, financial advisors, or legal counsel, to tailor advice to your specific situation. Check your sources, understand we aren’t offering investment, retirement or reale state advice. Get an agent, get a lawyer to help.

Third-Party Links:

Our blog may contain links to third-party websites or resources. These links are provided for convenience and informational purposes only. We do not endorse or control the content of these external sites, and we are not responsible for their accuracy, legality, or content. Visiting these links is at the user’s own risk.

No Endorsement:

Mention of specific companies, products, or services in our blog does not constitute an endorsement. The inclusion of such references is for informational purposes only, and readers should conduct their own research and assessments before engaging with any products or services mentioned.

Copyright and Reproduction:

The content, images, and materials on this blog are the property of unless otherwise stated. Reproduction, distribution, or use of any content without permission is strictly prohibited.

Updates and Changes:

We reserve the right to update, modify, or change the content of this blog at any time without prior notice. It is the responsibility of the user to stay informed of any changes by regularly reviewing this disclaimer.

By using, you agree to the terms and conditions outlined in this disclaimer. If you have any questions or concerns, please contact us at