First-time buyers Bill and Holly knew it wouldn't be easy to buy a house in Phoenix, Arizona while still living in Fort Collins, Colorado. When Holly graduates from veterinary school, her first job is already waiting for her in Phoenix, and the pair would like to move seamlessly into their first place after graduation. But nothing about the home buying process goes smoothly for them. First, their bid is too low, then their lender stops offering 100% financing once they're under contract. Ultimately, Bill and Holly must consider housing options at a lower price point.