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I entered 2022, a homeowner and I am still adjusting to this change. Before I got here... there were a few steps I had to take. In this video, I explain the process I went through to buy my home. I hope the information in the video is helpful if you are planning to buy a home now or in the future. 

Caring about my sleep and everything that contributes to a good night's rest has become a top priority for me. Maybe, it's because I am a new homeowner, and every home item I buy, I plan to use for many years. I have spent an unreasonable amount of time looking for great quality in my bedding, pillows, and mattress. I never thought I would be the kind of person to do extensive research on the kind of mattress I need but here we are. 

When I heard about King & Queen Mattress Co., I knew I had to reach out. They are an Atlanta-based company that ships nationwide. Being an Atlanta resident, I love showcasing local businesses and King & Queen Mattress Co. are a company worth recognizing.  

I got The Windsor, which is their hand-tufted luxury mattress. Made with CertiPUR-US® Certified foams. All King & Queen Mattress Co.'s mattresses are chemical-free and eco-friendly. Their attention to detail is immaculate. I received constant updates on my mattress after the order had been placed. I was advised on the kind of mattress based on my height, weight, and sleeping habits. 

The delivery process was truly my highlight because I live in a townhome with way too many stairs and having their team deliver with the option to set up the mattress was amazing. I am looking forward to many cozy nights (and lazy days) in my new mattress! 

5 lessons learned when purchasing property as a woman in her 20s. 


1. Save, save, and guess what? Save!

This is extremely obvious, but it doesn't hurt to repeat. After I graduated college, I put a small amount of my income aside. I also picked up freelance projects, and blog sponsorships as an additional way to make money. I have also had a credit card since I was old enough to do so with the support of my parents. Therefore I have been building my credit history and showing I can make payments on time.


My money habits would not be possible without my parents. I was taught a lot about money and saving from a young age. My parents were not afraid to speak about money to my brother and I. We were raised to save with a purpose and not spend above our means. We used credit cards to build credit in hopes of making major life purchases such as a house. Although we NEVER bought items with our credit cards, we did not have the money in our accounts to pay back. 



2. Ask for help and do your research. 

Before you start looking for a home, gather all the information you need about home buying. Ask friends and family, read articles and books about the process. Below is a free online course I took that helped me understand the home buying process.

It is also good to remember you are not alone. There are services created to help first-time home buyers. I went with a conventional loan*, although an FHA* (Federal Housing Administration) loan, which is a mortgage through the government, is another option if you do not have a lot of funds to go towards the down payment of your home. 

Another way to can get help is through your loved ones. I was fortunate enough to save money for my down payment, although through the option of a gift letter*, my family could pay for other expenses such as my closing costs*. If you are in a similar situation, this is a great option, although you have to have a good credit score* and a well-paying job or source of income. 



3. Debt is not always a bad thing.

When applying for a home loan, they will want to know your debt-to-income* ratio. This was surprising because I thought they only cared about the money you had saved. Your debt is any payments you owe or slowly paying off, i.e., student loans, car loans, credit card bills, hospital bills, etc. 


My only debt was my student loans when applying, which wasn't an issue. I fully own my car and always pay off my credit cards in advance. In most cases, everyone has debt, although your debt shouldn't be more than your overall income. Most mortgage companies want to see if you will still have money to afford your mortgage payments after paying your monthly bills (phone, internet, power, credit card, student loan, etc.). Therefore your overall debt should be less than the money you earn every month. 



4. Race, gender, and age were important but didn't influence the process. 

Looking back from when I started applying for a loan to currently being a homeowner, I have noticed my race and gender didn't affect the process. I was fortunate to work with a realtor and mortgage advisor that fully supported me. To my knowledge, I didn't face any discrimination. Which is not the same for everyone. 


Although, when it came to my age, I could tell that could have been an issue if not for how I presented myself. Most of the time, I am very goofy and laidback. Although when it comes to money, I am serious. It is vital to have a balance. 


Being young means there is a chance you will not be taken seriously. This makes sense because we do not have much life experience compared to older generations. Although, this is when asking the right questions and doing your research comes into play. When communicating with your loan advisor, speak/write in complete sentences and avoid slang. Come prepared with questions and fill out all forms to the best of your ability. 



5. There are a lot of surprise fees and expenses. 

Simply put... expect the unexpected. Always have additional money outside of your down payment and closing costs for things like your home inspection* and appraisal*. Don't forget you will also need money to move and if you buy an older home, you may need some renovations. Also, the bank transfer and payment fees stuck up on me. Look out for those too! 



Key Words*

Disclaimer: these definitions were found online through various sources 


  • Conventional loan - A conventional loan is a mortgage loan that's not backed by a government agency.
  • FHA loan - An FHA insured loan is a US Federal Housing Administration mortgage insurance backed mortgage loan that is provided by an FHA-approved lender.
  • Gift letter - As it applies to your mortgage, a gift letter is a note from the donor that says you don't have to pay the money back. If you're using gift money for part – or all – of your down payment, you'll need the donor to write a gift letter to your mortgage company that makes it clear that the money is a gift and not a loan.
  • Closing costs - are the expenses over and above the property's price that buyers and sellers usually incur to complete a real estate transaction. Those costs may include loan origination fees, discount points, appraisal fees, title searches, title insurance, surveys, taxes, deed recording fees, and credit report charges
  • Credit score - Although ranges vary depending on the credit scoring model, generally credit scores from 580 to 669 are considered fair; 670 to 739 are considered good; 740 to 799 are considered very good; and 800 and up are considered excellent.
  • Debt-to-income - is the percentage of your gross monthly income that goes to paying your monthly debt payments and is used by lenders to determine your borrowing risk. 
  • Home inspection - is an examination of a property's safety and current condition.
  • Appraisal - Real estate appraisal, property valuation or land valuation is the process of developing an opinion of value for real property. 






"How are you feeling?"

I don't like asking, 'how are you?' because the default response is 'I'm good. You?'. In most situations, we are not good. Maybe I should speak for myself and say I am not good. In reality, I am going through the motions and hoping for the best. These past few months have not been easy, although I can say things are looking up. I am indeed doing good.

We tend to share the highlights of our life, which is important. Although I am working on being honest when asked, 'how are you?'. Especially when the person asking honestly wants to know how I am doing. 

That being said I would love to know how you are feeling? I also want to let you know you are not alone, and things do get better. 

Coat - Mango, Hoodie - Hanes, Leggings - H&M, Shoes - Jordan 1s

Dress - ASOS (Shop Here)

We all know the power of representation. The importance of seeing someone that looks like you. The conversation about diversity and inclusion is being talked about more especially in countries like the US and the UK. Mainly because the media produced and those in power were not reflecting the people in these countries. Things are changing for the better. It is a slow change but it is change nonetheless.

I spent most of my developing years out of the United States. I am Nigerian American and currently live in Atlanta, Georgia. I grew up in Nigeria until I was 11 then in Malaysia until I was 15. Therefore the media I consumed was very different from my peers in the US. I was exposed from an early age to publications, movies, and much more with people that looked like me. More importantly, the people shown were multifaceted and had many layers to their personalities. Unlike the mainstream media produced in the US that didn't always portray minority groups in a positive light or beyond a stereotype.  

When I moved to Malaysia that was my first taste of not seeing people that looked like me in Ads or shows. When I did see people that looked like me it was from western media. It was in media such as hip-hop music videos. That was also the content Malaysians were consuming about black people. Even though my experience living in Malaysia was amazing, mainly because I attended an international school with students from all over the world. This was not the case for many others. This is why the media produced should represent the people in a country and give diversity to the characters. Two individuals may be the same race, which gives them similar experiences but many factors create different personalities. 

One of the reasons, I am fascinated by telling stories and sharing experiences is I see the need for representation. I am blessed that I grew up in an environment, I didn't have to question my value. My parents made sure to let me know, I am special and loved. Many people do not have that therefore they seek their value from the outside. I will always be an advocate for finding your self-worth and loving yourself regardless of what the world is telling you. Although, that is easier said than done. Thanks to the internet you can find media produced that uplift and share diverse stories of people that are not usually shown in the mainstream. I urge you to consume media that makes you feel seen. As well as support media produced by people from different backgrounds from yourself.