First-time buyers are going in one direction, while experienced buyers and sellers with equity are going in another.

At the age of 40, Brandon Adams bought his first home in Durham, North Carolina. He chose a townhome as he felt it would be an easier transition from being a renter.

“I started to learn how to attack things on our credit reports that did not look great in the eyes of lenders,” said Nyeisha Brooks, a first-time homeowner.

A new program in the resort town of Aspen, Colorado, is trying to help low-income owners with necessary fixes.