Buying A House At 22

I have so many things I want to say in this blog post. Let’s just start with the obvious…my husband and I bought our first home at the ages of 22! Like what?! Yes, it’s a thing and it’s most definitely possible. I’m here to tell you how we did it!

A Dream

Throughout my husband and I’s relationship, we struggled financially. We went from living with my mother-in-law to a one bedroom apartment, a 500 sq ft studio, to a teeny tiny rental home. It’s been an uphill battle but our goal throughout those hard times remained the same – we wanted to be successful, independent, and happy. Despite our less than perfect living situations, we continued to make our future a priority. We knew what we wanted.

Working Hard

We recently got our big breaks a little over a year ago when we both landed jobs that paid well. Each of us probably interviewed a handful of times every week until we finally found companies worth wild. I’d like to point out too that throughout the whole “finding new jobs” process, we didn’t settle. We were offered positions at companies that were only commissioned based or positions that paid out less than what we knew we were worth. Looking back now, those days taught me important lessons about business and communication that I now value tremendously.

The Military

I should mention we would never be where we are now without my husband’s time in the Army. Since deploying this past April, we’ve had the opportunity to replenish our savings accounts and qualify for the VA loan.

My husband is actually an Army reservist when he’s in Illinois but since his deployment he’s been considered active for the last 10 months. To get the VA loan (at least from my understanding) you must have either 90 days of active duty service or 6 years as a reservist. Deployment turned into a positive real quick after we learned those rules. If the hubs never got deployed, we wouldn’t have been able to purchase until after his reserves contract ended. So confusing I know, stay with me here

Closing In Under 30 Days

Thanks to our amazing, and I mean amazing, home loan officers, attorneys, and realtors we were able to close on our first home in less than a month! If you know anything about the home buying process then you know this is very uncommon. Truthfully, it was not simple. I was taking phone calls, faxing, emailing and signing papers 24/7. If you’re thinking of closing on a house in the amount of time we did, be prepared to be available at any given moment!

In addition to the regular home-buying paperwork we needed to complete, I also had the job of getting these papers to my husband who (as I’m writing this) is still out of the country!

We Stopped Listening To Others

This sounds terrible to type but we stopped listening to the opinions of others in the first week of the process. There was a large amount of individuals who felt the need to weigh in on our finances and decisions. They expected the worst out of us. Word of advice, choose to listen carefully when someone else decides to judge your actions. Ultimately, it’s not, nor will it ever be their place to live in.

I know this post was all over the place! I just wanted to share some of the things I went through personally during this whole thing and thought maybe it would help one of you! If you’ve gone through or are going through this process feel free to leave a comment below sharing your experience! I’d love to hear how your story differs from my own!

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