>> reporter: laura thinks that's why most larger banks just won't do it. she works for fidelity bank, one of the only local banks that will grant smaller loans. >> everyone deserves a home in america and if they can afford $50,000 or $30,000, we will do the loan for them. >> so what are the options for renters looking to buy a home? john adams, real estate consultant and columnist joining us now. it's really not that simple and cut and dry. but bottom line is, you do have to find a bank that is willing to finance a loan for, say, a property that's under $75,000. that's hard to find. how do you find the bank willing to do that? >> you're going to have to shop around. and you're going to have to call a lot of sources. the problem is the lending originators get paid on a percentage basis of what they loan. it's a lot hard tore lend somebody $50,000 than the person bying the $500,000 house. and yet you make ten times as much on the $500,000 loan.