10/21/2026
My clients bought a home they could barely afford. Today they have $400,000 in equity.
It started with a $150,000 manufactured home. Their parents gifted the down payment.
About 3 years later: sold for $150,000 more. Built a big, beautiful home.
About 2 years after that: sold with another $150,000 in equity.
Then: downsized, paid cash for a $300,000 fixer upper, and came back to me for a loan to fix it up.
It just appraised at $550,000. They owe $150,000.
Your first home doesn't have to be your forever home. It just has to get you in.
Their story, not a promise. Home values go down as well as up.