Renting often feels like the easiest choice, especially for first-time home buyers. The idea of owning a home can seem out of reach, with worries about down payments, credit scores, and complicated mortgage processes. But what if you could own a home sooner than you think? Many programs exist to help first-time buyers step into homeownership without the usual hurdles. Instead of renting and watching your money go toward someone else’s property, it might be time to explore you