Do you think buying a home is out of reach? Think again. Many renters believe they need tens of thousands of dollars saved or perfect credit before they can buy a home. The truth is, many first-time buyers are surprised to learn that homeownership may be much closer than they think. In The Smart First-Time Homebuyer, real estate professional Steven Dowell breaks down the homebuying process in clear, simple terms and explains how many buyers are able to purchase homes with little or even no money down. Whether you’re just beginning to explore the idea of buying a home or you’re actively thinking about making the move from renting to owning, this book will help you understand what’s possible. Inside this practical guide, you’ll discover: • The biggest myths that keep renters from becoming homeowners • What “no money down” really means • How lenders determine what you can afford • Credit score guidelines many buyers don’t realize they already meet • Programs that help Kentucky buyers get into a home • How to find the right home for you • What happens when you make an offer • The step-by-step process from contract to closing Buying your first home can feel overwhelming at first, but when the process is broken down into simple steps, it becomes much easier to understand. Steven Dowell wrote this book to help renters discover that the dream of homeownership may be closer than they realize. After purchasing his first home in 2012, Steven experienced firsthand how homeownership can build confidence, stability, and opportunity. Since beginning his real estate career in 2014, he has helped more than 2,000 families buy or sell homes, guiding them through one of the most important financial decisions of their lives. If you’ve ever wondered whether owning a home might be possible for you, this book will help you understand the path forward. Your journey from renter to homeowner may begin sooner than you think.