🎯 Actionable Playbook

First-Time Homebuyer Relocating? Here's Your Playbook

The median first-time buyer age just hit 40 — a record. Don't let affordability myths keep you renting. Here's how to buy your first home in a new state.

🚨 The Wake-Up Call

Median first-time buyer age (record high)

21%

First-time buyers share (was 44% in 1981)

Minimum down payment (conventional)

The Programs Most People Don't Know About

Conventional 97

3% down

For buyers with 620+ credit. PMI drops off at 20% equity. Available in all 3 states.

FHA Loan

3.5% down

580+ credit score. More flexible DTI ratios. Great for self-employed or variable income. MIP required.

VA Loan

0% down

Veterans and active military only. No PMI. No down payment. Best deal in mortgages — period.

USDA Loan

0% down

For homes in USDA-eligible areas. Many TX and NM suburbs qualify. No down payment. Income limits apply.

State Programs

Varies

TX: TDHCA My First Texas Home. FL: FL Housing programs. NM: MFA programs. Down payment assistance available.

Where Your Dollar Goes Furthest

For first-time buyers on a budget, here's where to look:

City	State	Median	Why It's Great
El Paso	TX	$230K	Borderplex, bilingual, sunny
Las Cruces	NM	$270K	USDA-eligible areas, NMSU, low taxes
San Antonio	TX	$290K	Military-friendly, growing, cultural
Jacksonville	FL	$310K	Affordable FL, logistics hub
Houston	TX	$320K	Most diverse, energy capital
Rio Rancho	NM	$340K	Family suburb, safe, growing

Your Step-by-Step First Home Timeline

Get Pre-Approved (Day 1)

Takes 15 minutes. We check credit, income, and find the best program. You'll know your exact budget.

Pick Your Target City (Week 1)

Based on budget, lifestyle, and goals. We match you to the right market.

Connect with Local Agent (Week 1)

We partner with vetted agents in all 3 states who specialize in relocating buyers.

Virtual House Hunt (Weeks 2-4)

FaceTime tours, 3D walkthroughs, neighborhood drone videos. See everything remotely.