In the United States, 64.8% of the country owns a home. While that’s a lot of people, it still leaves more than 30% as renters (potential buyers). There are a number of factors that keep people out of buying property. For many, saving up for a down-payment is often the biggest deterrent. Ironically, this topic is also often the most misunderstood. The most common misperception about down-payments is that you need 20% down. Not true. Often 20% is the exception. It is possible

News flash: real estate is expensive. High price tags are making it harder for young people to buy their first home. Homeownership has dipped to 63% in America, which is the lowest in fifty years. Just 36% of early millennials are home owners. Do young people just have less money to invest? As it turns out, pricing isn’t the only factor keeping millennials in their apartments. There is a cultural shift afoot and it’s rippling through multiple sectors, including real estate. T