When I first met my client 11 years ago, he was just 21 years old—a young, ambitious first-time homebuyer ready to take the plunge into homeownership. He holds a special place in my heart as my youngest client to date. With a lot of excitement and maybe just a touch of nerves, we found the perfect starter home for him. Little did I know that was just the beginning of a journey that would span more than a decade.