Schuyler Velasco

After three years in a one-bedroom apartment, Heatherington bought his split-level three-bedroom, two-bath home east of downtown Atlanta for $109,000 in July of last year. “I had the goal to buy within one year, but I wasn’t able to save anything,” he says.
 He managed to scrape together a 5 percent down payment, thanks to a promotion at his job doing quality control at a call center, and cutting back on spending. His monthly mortgage is now $750.
 “It makes me feel like a grownup,” says Heatherington. “I like the fact that it’s mine, it’s quiet, and that the dog has space to roam around. But in terms of drawbacks, now I’m responsible for repairs and I’m still learning the different noises the house makes.”