How to buy a home
Simply pull some money together and go to a real estate agent. If you qualify for a HUD loan than you need roughly 5% as the down payment. If you do not qualify than its 20% down or a little bit less dependent on your credit. Find a decent home near your work that isn’t a McMansion and bam! Process is not that hard and real estate agents will do the looking for you. Now if you live in a massive city you are out of luck. Why are you even in a huge city anyway? With work from home and almost all sales and work online, the need to be in a city has been evaporated because of the internet.
Find a home that is below $150k and start saving the down payment. Now if you have kids its all different because you have different priorities. If you don’t just cut back on expenses and sell your new car and drive a beater. If you have a car loan that is $600 your insurance is probably high as well. Mortgages are around $1k. Sell the whip and drive a beater. If you eliminate that $600 payment your cashflow goes through the roof. Anyone can do this and most banks will jump at the bit to give you a loan.
Do not get sucked into the trap of buying a home you cant afford and don’t need. Don’t complicate this more than it has to. Buying a home is like buying a beater car. Pick one that is going to be fine for you. Work on it if you have to. Don’t over extend you and your budget because you want to impress people who don’t care about you.