You don’t need to be rich to buy your first house. You can use your regular job income and your tax returns to qualify through a First-Time Homebuyer Program. Here’s how it works in real life 1️⃣ Your job income qualifies you Banks look at your W-2s or 1099 income They usually want 2 years of tax returns As long as your income is steady, you’re in the game 2️⃣ Low money down First-time buyer programs let you put as little as 3%–3.5% down FHA, conventional first-time buyer programs, and local gra