Since the real estate crash in 2008 it has been harder for people under 35 to buy a home in a lot of desirable areas. See this article in CNN Money by Les Christie:

http://money.cnn.com/2014/06/01/real_estate/millennials-squeezed-out/index.html

In addition to student loan debt making it harder to qualify, it is harder to get the twenty percent down payment which will prevent having to pay for private mortgage insurance (PMI) and adding hundreds of dollars to a monthly mortgage payment. There are some plans available for this group, but you have to do your research and shop around. Using a mortgage broker that can shop multiple lenders and find the best deal makes a lot of sense in this situation.

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