The Front Range Team

If your student loans have you wondering whether buying a home is even possible, keep reading.

33% of first-time homebuyers have student loan debt. That's roughly a third. And if they're making it happen, maybe you can too. Here’s why.

Lenders look at your whole financial picture – your income, your credit, your overall debt – not just your loans. So, if your finances are in decent shape, you might be a lot closer to owning than you think.

Don't count yourself out before you even try. Connect with a lender and talk about your options.

Today’s buyers are putting less money down. And that’s reassuring if you’ve been feeling priced out of the market lately.

The typical buyer put down about $23,400 in early 2026 – that's a 19% year-over-year dip, and the lowest down payments have been since 2021. How’s that possible?

A more balanced market and more moderate home prices are easing the pressure to put a big sum down. Plus, more buyers are opting for loans that require little or no down payments, like FHA and VA loans.

That combination is helping more people stop waiting and start buying.

So, if saving’s been the holdup, it’s time to explore your options.