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Wilmington Branch

Land Home Financial WilmingtonWith a population of 119,045 in 2019, Wilmington includes New Hanover and Pender counties in southeastern North Carolina. Wilmington was settled by the English along the Cape Fear River. The city was named after Spenser Compton who was the earl of Wilmington. Its historic downtown has a 1.75-mile (2.82 km) Riverwalk, developed as a tourist attraction in the late 20th century. In 2014 Wilmington’s riverfront was ranked as the “Best American Riverfront” by readers of USA Today.

From the downtown river district and Riverwalk that skirts the storied Cape Fear River to the new and modern facilities that are remaking the riverfront’s skyline, Wilmington, NC is a must-see southern destination. Rivaling Charleston and Savannah in its charm and history and voted America’s Best Riverfront, Wilmington serves as the portal to all this area has to offer.

Wilmington Land Home Financial You’ll love Wilmington’s riverfront, historic neighborhoods and everything in between. Enjoy a relaxed coastal lifestyle for the perfect getaway filled with unlimited vacation choices.


Your Preferred Community Lender

The Heart of a Community Based Lender

Core Values & Mission

The heartbeat of Land Home Financial is promote and live by a community-based philosophy with our external customers and our internal community. We’re committed to servicing our customers by providing home loan options that best fit their needs. Behind every loan is a person, a family, and a home within a community, which is why we all work so hard for those seeking real estate financing. Each customer is a member of the Land Home community.

Land Home Financial

When the transaction funds, the relationship continues because we retain almost 100% of our servicing. Land Home Financial is also committed to servicing its community of employees. Looking for ways to make our company excel is always a priority. Exceptional, stronger resources and new helpful tools are always on the agenda as Land Home Financial pursues ways to rise above competition. Suggestions and feedback provided by Land Home Financial employees is valued and helps in shaping the course for change when there is a benefit for all.

Plans for the Future

Maintaining a sustainable business plan for growth is always a main priority. Where many mortgage companies may retract their expansion goals or stop them altogether, Land Home Financial has positioned itself to stay on the course for opening branches in more markets across the country. Not only does the business plan contain new office expansion, but new division expansion as well. Doubling the footprint of the Land Home Financial brand nationally is a goal we plan to achieve. Land Home reinvests in the company, raising the quality of all facets of the enterprise to attract Loan Officers and Operational staff to help Land Home become an even stronger entity.

Land Home Invests in PeopleHaving been in the business for over 30 years has taught Land Home’s leadership how to be strategic in making business decisions that support the company business plan. Two key components that make Land Home a great place to join: Our company is fiscally secure, and our employee community is loyal and shares the same vision to accomplish goals together.

Who is Land Home Financial

Land Home is a privately-owned mortgage banker, opened in 1988. The leadership, together with employees (not a room full of shareholders), make the important lending decisions at Land Home. Our business decisions are rooted in common sense, experience, and knowledge. At Land Home we have a dedicated compliance team to offer guidance in the choices we make. We are a company that invests capital to fuel growth (rather than generate profit divided among a few).

Our customers and our employees are our greatest assets. Our common goal is to do what is in the best interest for every customer we have the opportunity to serve.

 


We Hire the Best

Do You Have What it Takes?

Land Home Financial Services, Inc has been helping individuals, couples and families get pre-approved for a home mortgage, offering the “right” mortgage for their situation and expediting the mortgage process as efficient as possible. We deliver from “pre-approval to close” with unmatched service by providing the right product and “Hiring the Best” in the industry! Our Loan Originators and Support Staff are focused on getting the mortgage closed properly as quick as possible!

Work for Land Home Financial Florida

LinkedIn_Recruiting_invest   And Here’s Why:

  • We service our own loans & bonus our LO’s year over year from the servicing
  • Company paid assistances to support each branch
  • Coaching & Training available for experienced Originators
  • We have our own Appraisal Desk – no AMC
  • Little to no Over-Lays (we go by AUS)
  • Originators can submit TBD files for Underwriting
  • LO’s submits directly to Underwriter to expedite Loan Commitments
  • We support our Originators offering DPA Loans
  • Our Underwriters actually call you to avoid suspending a file
  • Our processors chase conditions, not our Originators

 

If you live in Florida, have originated a minimum of 24 loans or more for at least 2 years – then WE Need to Talk!

Contact me ANYTIME including after hours or weekends!

 

Vincent Ortiz, Loan Officer

Direct 407.625.9093 Land Home Financial Loan Officer

Vincent.Ortiz@lhfs.com

 


Have You Considered Refinancing?

A tight budget, an expensive home renovation and the desire to get your home paid off quicker are all good reasons to refinance your home. But what does refinancing your home mean and how can it help you achieve your financial goals? Take a look at the definition of home refinancing and what it can do for you.

What is Refinancing?

When a homeowner is refinancing, it means the homeowner is attempting to acquire a new mortgage for their home. The new mortgage pays off the original mortgage, usually giving the borrowers a better interest rate and/or a shorter term, or even cash.

Why Refinance?

  • To Lower the Interest Rate– Most mortgage lenders say that shaving even .50% off of a mortgage interest rate is a good enough incentive to consider refinancing. The long-term savings by getting a rate reduction can outweigh the cost of a mortgage refinance.
  • Shorten the Term of the Loan– The most common mortgage terms are 15-year and 30-year. In some cases, with a lower interest rate, getting a new 15-year can leave monthly payments very similar to what they were at the 30-year mortgage rate inevitably getting the home paid off much quicker. Changing from an ARM to a Fixed-Rate – Adjustable rate mortgages can offer lower interest rates at times. However, an arm isn’t for everyone. When homeowners need to control their monthly budgets with a more steady payment, changing to a fixed-rate mortgage when rates are low may be the best way to go.
  • Draw From the Equity– Sometimes homeowners need large sums of money to cover expenses such as a remodeling project, school tuition, or to consolidate other debts like credit cards and auto loans. It’s important to evaluate overall financial health and spending habits before tidying up other debts and expenses using your mortgage.
  • Eliminate PMI– Another possible benefit to refinancing is the elimination of private mortgage insurance. If the original down payment on the home was less than 20% PMI is usually required by the lender. A borrower may be able to refinance and if the value of the home has increased enough, thus eliminating PMI.

Points to Consider

  • Cost of the refinance– Application fees, title fees, lender closing fees, and loan origination fees are all costs to look into before deciding to refinance. Lenders, like Land Home Financial will help homeowners figure out when and if the costs would be recuperated.
  • Overall Financial Health– If the main goal of the refinance is to pay off the mortgage earlier, borrowers should also consider their other financial goals. The ability to save appropriately for retirement and pay off other higher interest loans should be factored into the decision to refinance. If refinancing doesn’t affect the monthly payment very much, refinancing could be just the ticket to achieving personal financial success.
  • Requirements– Contact Land Home Financial to find out the requirements for refinancing.

Final Words

By working with a trusted residential mortgage lender, homeowners can find a loan that is tailored to their specific financial situation, offering just the right term and interest rates. The refinancing process will operate quickly and smoothly, giving them true financial security and peace of mind.


2019 Real Estate Trends

Okay, 2018 was quite the tease in the housing market. The year started out hot, only to taper off halfway through. But plenty of Americans still traded their For Sale signs for Sold ones, and they’ll usher in the new year from the comfort of their new homes. So will 2019 bring more of the same results? How will the housing market shake out in the current economic climate?

Whether you’re selling your home, buying or staying at your current home, here are the 2019 home real estate trends you need to know!

#1: Home Prices Are Rising Slowly

Unless you’ve been living under a rock, you’ve heard that during the course of 2017 and early 2018, home prices made a giant 10% jump. Wow! This year, however, may be a different story. Home prices are estimated to rise in 2019, but at a much slower pace, and the number of homes for sale is expected to increase by a mere 1%.

What’s the reason? Well, part of the slowdown is due to increased mortgage interest rates and another part is because of overall economic uncertainty. That combination is enough to discourage many buyers who are on the fence about purchasing a home.

Find expert agents to help you buy your home.

But there are still eager buyers in the market, and many of them are looking for newly built homes. In fact, new home construction is projected to increase by 8% in 2019. That’s the good news. Here’s the bad news: There just aren’t enough new homes to go around in some areas. Plus, construction companies also don’t have the manpower to keep up with demand.

What’s the bottom line? Expect the new construction that is available to go for a higher price.

What Higher Prices Mean for Sellers

A nice profit may be on the horizon! The number of homes sold next year is still expected to rise, even if it’s at a slow pace. That’s great news for sellers! But keep in mind that a lot of buyers are being priced out of the market, which could lead to fewer offers for your home.

So what should you do about this? Be aware of your competition. With less offers to go around, you want your home to really stand out from similar ones in your area. Prepare your home for potential home buyers and work with a real estate agent to help you list your home at the right price.

And be sure to wait for the right offer. Some buyers may try to gut punch you with a low number. If you aren’t in a hurry to move, wait for an offer that gives you the most profit. Remember, the less desperate person always has the upper hand when negotiating!

What Higher Prices Mean for Buyers

If you’re going to buy a home in this expensive market, you absolutely must find out how much house you can really afford.

Commit to staying within that budget amount. Don’t rush into a home purchase that doesn’t make financial sense for you no matter how much pressure you feel watching competitors pluck good homes off the market. You could screw up your finances!

A down payment that’s less than 10% could strangle your budget with massive monthly mortgage payments. But if you want to get prepared to buy and you’re committed to your budget, here are some options to consider:

  • Keep saving. If you stay patient and motivated, you can save for a 5-figure down payment by next year.
  • Sacrifice some wants. If you can’t afford to buy the house you want, be willing to give up some “nice-to-haves” for your “must-haves.” Find the least expensive home in the best neighborhood you can afford and you can upgrade as your income and savings increase over time.
  • Expand your search. What if the location where you’re planning to buy is what’s busting your budget? You might be surprised at the gem you can find in a less popular neighborhood.

Buying a home can be stressful, there are many “homebuyer guides” that can help you streamline the process! It’ll help you think through all the important parts so you can rest easy when your dream home is officially yours.

#2: Mortgage Interest Rates Are on the Rise

Mortgage interest rates are on the rise after years of being at a standstill. Interest rates are projected to increase to an average of 5% for a 30-year mortgage and 4.4% for a 15-year mortgage.

It’s been seven years since mortgage rates were this high. But despite grumblings, that doesn’t mean the economy is in trouble. It actually means the opposite! To help stabilize the strong economy and rising inflation during the past few years, the Federal Reserve increased short-term interest rates. It’s somewhat natural to see a trickle-down effect to the bank level like what we’re seeing now with mortgage interest rates.

The increase basically means more people are willing to spend and borrow. Still, expect things to be a little different next year as buyers and sellers adjust to these changes.

What Higher Mortgage Interest Rates Mean for Sellers

In a nutshell, plan for your house to be on the market a little longer and prepare to possibly receive fewer offers. A mortgage is a big commitment, and adding higher interest rates to the mix will make many buyers pause. Partner with a relator who understands the current market. They’ll help you set expectations for how much you can make, and how long you’ll have to wait for the right offer.

What Higher Mortgage Interest Rates Mean for Buyers

Even though mortgage interest rates are the highest they’ve been in a while, they’re still relatively low. If you’re not buying with cash, be smart and go for a conventional 15-year fixed-rate mortgage. That way, you know exactly what your payment will be over the life of the loan.

#3: The Majority of Home Buyers Are Millennials

Move aside, baby boomers and Gen Xers! Guess who’s taking the over the homeowner leaderboard? Yep, you better believe it. Millennials are busting out all over. They’re getting older and finding stable careers. Their household income has increased to $88,200, and they’re looking to buy their first homes in middle and upper-middle class neighborhoods.

This works out perfectly for them as more baby boomers are retiring and downsizing. Next year, millennials will lead the way in number of mortgages, accounting for 45% of the market. They’ll be followed by Gen Xers at 37% and baby boomers at 17%.

In 2019, millennials will lead the way in number of mortgages, accounting for 45% of the market. They’ll be followed by Gen Xers at 37% and baby boomers at 17%.

What More Millennial Home Buyers Means for Sellers

Here are three important words: Know your buyer. Millennials are internet savvy and do their research before house shopping. They look for:

  • Easy online shopping. The home search starts online for millennials, so you need to make the best possible impression on the internet. Make sure you invest in high quality photos, and, for extra measure, consider using a drone to take aerial video footage.
  • Quality over size. Yes, square footage matters. But millennials are more concerned about how sustainable and usable each space is. Get rid of your junk so they can visualize a bright future in your home without your stuff there.
  • Location. A lot of millennials are looking for homes that offer big city life at a more affordable cost of living. If your home is in a walkable area with access to public transit, expect millennials to come knocking at your door.
  • Low-maintenance lifestyle. Millennials are used to living in the age of high-tech advances and Amazon Prime. They’re looking for energy-efficient homes with smart appliances. If you don’t have them, they’ll look elsewhere or lower their offer so they can upgrade after they buy.

What More Millennial Home Buyers Means for Buyers

Okay, if you’re looking for a three-bedroom, single-family home in the suburbs, expect to have a lot of competition. You may have to reprioritize what you want in a dream home. Follow these tips:

  • Know what you want. Decide what you absolutely need in a home. If you’re married and house hunting, you and your spouse need to agree on must-haves. Compare your individual lists and combine them for your real estate agent to use as the foundation of your home search.
  • Write a letter. Sending a personal story to your seller might be just the thing that makes you stand out from similar offers.
  • Hire an experienced pro. Last year, 90% of millennial home buyers used real estate agents to purchase their homes. Think they’re onto something? You bet! Don’t try to buy on your own.

What If I’m Not Buying or Selling a Home This Year?

You may be thinking, All this is great, but I’m not going anywhere anytime soon. We hear you, and here’s what you should know for now:

1. Equity will likely continue to increase by 2–6% each year until 2020.

With most housing markets at low risk for a downturn, last years Housing and Mortgage Market Review estimated home prices will continue to rise for the next couple of years, with annual increases of 2–6%. Who-hoo for sellers! If you sell your house before 2020, you’ll likely still make a great profit.

2. From what we can see, the real estate market is not going to crash.

With such fast-rising mortgage interest rates, some are wondering if the housing market could collapse again. Well, it’s impossible to know for sure, but a number of factors indicate a housing crash is not in the foreseeable future and the economy is still strong. Here are some indicators:

  • People are spending money.
  • There’s a low unemployment rate and new career opportunities..
  • Millennials want to buy.
  • Taxes are lower.

3. Regardless of your neighborhood, buyers are interested.

Even though buyers in 2019 may be more selective, determined ones might be willing to consider neighborhoods that don’t have easy access to highways or aren’t in close proximity to a big city. If you think you live in an unpopular neighborhood or believe your home isn’t what buyers are looking for, think again. Now may be your perfect time to sell.


20 Reasons to join Land Home Financial

20 Reasons to join LHFS

Land Home is a privately-owned mortgage banker, opened in 1988. We strive to promote and live by a community-based philosophy with our external customers and internal LHFS community. Land Home Financial is committed to servicing its customers by providing home loan options that best fit their needs.

Does Your Company do the following:

  1. Service over 90% of your closed loans?
  2. Send monthly mortgage statements with your picture and contact information?
  3. Pay you a yearly Residual bonus on your serviced loan volume, year over year?
  4. Pay you same BPS on all funded loans including DPA’s and Bond Loans? With NO pay tiers!
  5. Have payroll cycles that DO NOT end on last day of the month? (This is huge)
  6. Offer a zero-employee cost health insurance plan for employee only coverage?
  7. Allow MANUAL U/W down to 580 on FHA & VA loans
  8. Have zero hits to price due to credit score or loan amount on FHA & USDA loans above 620?
  9. Have zero price hits due to credit score or loan amount on VA loans over a 600?
  10. Respect our Veterans by not charging any lender fees on VA Loans?
  11. Is the Master Servicer of their own Down Payment Assistance suite of products?
  12. Offer a 1% down Freddie loan with lender paid MI?
  13. Offer DPA products down to a 620 score?
  14. Offer a full suite of products for Manufactured Housing, including Construction to Perm?
  15. Have an internal appraisal desk, thus eliminating the need for an AMC?
  16. Has their own US based Contact Center that will call on behalf of your realtors to invite the public to their Open Houses?
  17. Have a Boarding Department resource that helps you navigate and get acclimated during your first 120 days.
  18. Has a one-page sheet of internal overlays? We U/W to the AUS Findings!!
  19. Have over 5 Billion dollars in their Servicing Portfolio? Significant monthly cash flow!!
  20. Locate your branch on “Main Street” in your community?

How many NO’s did you come up with? At Land Home Financial, we say YES to all of these and more.

With all these features, could you see yourself making more money? We would enjoy the opportunity to have a confidential conversation to see if Land Home Financial is a fit for you!


Wilmington Real Estate 2019 Snapshot

Real Estate Forecast 2019

Wilmington, North Carolina is a strategically positioned port city that benefits immensely from its beach access. It serves as the main hub for the entire state to receive goods by ocean trade. That said, the city’s economic outlook is in good standing and continues to support a healthy housing market.

Average Sold Price is about $270,720

According to Realtor.com, the average home price in the Wilmington real estate market is approximately $389,651. Surprisingly, the region’s home values are 61.9 percent higher than subsequent sold prices. The average sold price is about $240,720, according to MLS data. With such a big difference between values and what homes are actually selling for, Wilmington is a strong buyer’s market. The amount of available inventory exceeds current demand. Buyers have the advantage over sellers due to the abundance of homes on the market, with homes often selling at reduced prices.

Wilmington Market Appreciation Rate

Information provided by Zillow suggests that homes in the Wilmington real estate market have appreciated by as much as 2.8 percent in the last year. Wilmington’s appreciation rate is, however, less than half that of the national average last quarter. Experts expect the coming year to continue a trend of positive price growth, albeit a slightly tempered one. In the next 12 months, experts expect homes in the Wilmington real estate market to appreciate a modest 2.1 percent.

Wilmington real estate is only a part of the 3,396,382 properties and 84,666 homes for sale in North Carolina. As a result, the average home price and average home value of Wilmington also influence the average home price ($206,862) and average sale price ($222,875) of the entire state. That said, homes in Wilmington bring up the average value of North Carolina real estate.

In Summary

For all intents and purposes, the Wilmington real estate market has made great strides since the worst of the recession. Home prices have shown sustainable growth and the job sector looks to be able to handle the growing population. There is little to suggest that Wilmington won’t prosper in the coming years.


The Power Purchase Program

The Power to Purchase

Power Purchase Program:

Power Purchase owning a home

 

LHFS is launching our personalized Power Purchase Program that is competitively priced conventional loan program that requires only a 1% down payment from the homebuyer. Combined with a 2 % Power Purchase grant, the 3% combined equity results with a 97% eligible conforming loan. This program is available for both 1st time homebuyers and repeat homeowner buyers on their primary residence. Refinance transactions are not eligible.

 

First mortgage must meet FHLMC Home Possible Advantage eligibility. Effective 10.01.2017 the 2% Grant funds will be provided by a Non-Profit agency vs. the LHFS Funding It Forward. To be aware of: Conforming loan amounts only, no manual underwriting allowed, manufactured Housing is not allowed, additional subordinate financing not allowed, LTV 97.00%/CLTV 97.00% only, 100% AMI Income Limit Cap and a benefit of having Mortgage Insurance that is lower than 25% coverage cost vs. standard 30% on a 97% LTV!

Power Purchase Program Land Home Financial

* Score over 720 will have a lower MI factor vs. Government products
* Score 620-719, please refer to the MI quote for monthly factor

 

Power Purchase Program Manufactured Housing

modular-homes

LHFS is launching our personalized Power Purchase Program for Manufactured Housing that is competitively priced conventional loan program that requires only a 5% down payment from the homebuyer. Combined with a 2 % Power Purchase gift, the 5% combined equity results with a 95% eligible conforming loan. This program is available for both 1st time homebuyers and repeat homeowner buyers on their primary residence. Refinance transactions are not eligible.

 

 

 

Features:
• First mortgage must meet FHLMC Home Possible eligibility
• Conforming loan amounts only
• No Manual Underwriting allowed
• 3% minimum borrower cash investment requirement, Appraised value or Sales Price, whichever is lower
• 2% NHF 2% Grant contribution is in the form of a Grant, no repayment required
• Additional subordinate financing not allowed, LTV 95.00%/CLTV 95.00% only • 100% AMI Income Limit Cap

*Please note all percentages and statements are subject to change based on regulations that may arise. The use of hypothetical, predictive, and current statements, by Land Home Financial Services are meant to illustrate current operation standards.


Corporate Community Lending Program

Corporate Community Lending Program

Land Home Financial's Corporate Community Lending Program

Land Home Financial Services, Inc was founded on helping stabilize families and companies by providing unmatched specialized lending services. As a Direct Community Seller & Servicer of lending products we have opportunities to create and serve companies with our Corporate Community Lending Program.

Set Your Business Apart

Provide you employees with this exclusive program and receive these benefits:

  • Customized Branded Landing Page for your website
  • Dedicated Phone Line and Email for timely and personalized customer service
  • Reduced Lender Fees for your employees
  • Homebuyer Education and Preparation Services
  • Down Payment Assistance Programs

 

Land Home Financial's Promise to Serve Corporations

 

Your Company’s Unique Value Proposition

Research shows that employees who work for companies that provide programs that assist in the education and facilitation of homeownership, experience:

  • Greater Workplace Satisfaction
  • Fewer Sick & Personal days
  • Overall improved Mental & Physical well-being
  • Sense of Community
  • Financial Security

This means less doctor’s visits & lower healthcare costs – for YOU, the Employer!

 

Corporate Benefits Package

Land Home Financial Service for Your Employees

Home Ownership with Land Home FinancialCommunity INSPIRED – Community FOCUSED – Community DRIVEN

 

We are proud to become your Corporate Community Lending Partner. Contact our office TODAY – see how easy it is to GET STARTED!


Choose Land Home Financial as Your Preferred Builder

Preferred Lender for All Builders

What we found working with many other builders is that they usually have their own lender and then a list of three preferred builder lenders to choose from if their in-house lender cannot approve them they select from the Alternative List.

Preferred Builder Lender

As a builder you can’t afford to NOT have us as one of your Preferred Lenders and here’s why…

  • We’re a Direct Lender – servicing our own loans.
  • 4% Grant for primary home buyers up to $454,100.00
  • We offer both state and local bond assistance programs.
  • Our “Power Purchase” program with 1% down for frst time home buyers.
  • USDA, FHA & Conventional Loans.
  • VA loans with no lender fees.
  • We have a Builder Processing Center specialized for builders providing status updates.
  • We offer extended rate lock for 6-months during the building process.

We Help with “Turn Downs”

Additionally, we have a about a 70% conversion rate on “turn downs” from already built homes from the following builders: Lennar, Pulti, Park Square, KB Homes, DR Horton, Snow Construction, Meritage, Minto & Toll Brothers and am very confident we can do the same with your organization.

*Please note all percentages and statements are subject to change based on regulations that may arise. The use of hypothetical, predictive, and current statements, by Land Home Financial Services are meant to illustrate current operation standards.


Single-Family, Townhome or Condominium?

Which Home Style fits You?

Whether you’re first-time home buyer, downsizer, upgrader or simply just trying to picture your life owning your own space in Central Florida, we’ve broken it down to give you positives and negatives to owning each style of dwelling.

Single Family Home

Owning a home can offer a variety of positives as well as considerations based on your goals and desires as a person, couple or growing family. Certainly a single-family offers more space for families that are growing. In addition, homes tend to be a better investment vehicle with generally a higher demand and freedom to build, expand and renovate as needed. Land Home Financial Single-Family Home

Considerations to owning a single-family home versus a townhome or condominium usually mount up in cost to maintain. Owners are typically responsible for all maintenance.

Condominium

Usually less expensive by equal comparison to a single-family home as the building maintenance is managed by the homeowner’s association for a monthly fee. These costs go to lawn maintenance, the common areas including the gym, pool, mail center, security gates and general property care. Land Home Financial Condominium

Considerations to owning a condominium would be that there is less space for growing families yet may be ideal for singles or couples as well a few others. They are generally a weaker investment than a home and harder to differentiate with less options in expansion and renovation.

 

Townhome

Owning a townhome generally can be less expensive than a single-family home due to the maintenance being offset through the association fees as well as minimal yard and garden spaces to maintain. Land Home Financial Townhouse

A townhome is a weaker investment compared to a home yet stronger than a condominium. Also, you have fewer neighbors as well as more property to enjoy. The same considerations with expansion and renovation apply when choosing a townhome over a single-family home.

Final Words

Life’s filled with endless opportunities such as travel, study, flatting, social events, must-have retail products, thoughts of marriage and possible children.

Home ownership is often the afterthought, in a series of decisions that ultimately affects our financial position and timing in acquiring our own piece of turf.

If you aren’t lucky to have your parents fund your travels or university, there are choices to be made: do you work and save for a house? Or do you travel? Or do you study then work and save for a house? Or do you get married and have children then work and save for a house?

The end result is that there is always going to be a sacrifice along the way. So if home ownership is your ultimate goal, something is going to have to take the back seat.