Podcast appearances and mentions of david sidoni

Learn how to turn your budget into a strategic homebuying tool. Whether you're brand new to saving or ready to fine-tune your plan, this is your playbook for building confidence with your money.If you want to prepare financially to buy a home, your budget should be your power tool. In this financial prep replay episode, David Sidoni, a nationwide homebuying coach walks through the best budgeting frameworks for renters who are ready to become owners and how to pick the right app for your lifestyle. David gives you the TOP 5 budgeting apps for 2025 and gives two bonus options for spreadsheet lovers. He also flags the common mistakes and predatory traps that first-time buyers need to avoid when choosing budgeting tools. "A budget is a tool to afford more of what you love." Highlights:Why budgeting is about empowerment, not deprivationHow zero-based budgeting gives every dollar a jobThe 50/30/20 rule as a starting point for intentional savingTop 5 budgeting apps for first-time buyers in 2025Why free budgeting apps often fall shortPredatory pitfalls to avoid when choosing financial toolsConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

This episode shares the practical story of Will and Annie, first-time buyers in Asheville, NC, who bought a $375K fixer-upper while managing fears of affordability. From working with a credit union to building confidence through education, their journey shows how to buy smart — even without being married.Buying your first home can feel overwhelming — especially if you're unsure about money or the process. Will and Annie started out anxious and unsure how to qualify together. But within two months, they were under contract — with a plan, a great agent, and a fixer-upper they could afford.They share how they used a credit union, stayed patient through the search, and budgeted for renovations without feeling house poor. Don't miss the surprise moment at the end that every nervous renter needs to hear.“I thought owning a home meant we'd feel broke, but it's been the opposite.” - WillHighlightsHow to start your homebuying journey even if you're anxious or unsure where to beginWhy using a credit union gave Will and Annie more clarity and confidenceWhat it takes to buy a home as an unmarried couple — and how to qualify togetherHow to avoid “Zillow fatigue” and stay patient while house huntingWhy buying a fixer-upper didn't mean they felt broke — and how they budgeted for renovationsWhat made their realtor the right fit — and how the right agent changes everythingHow hearing other success stories helped them build beliefWhat they wish more first-time buyers knew after closingConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

From PMI myths to hard credit pull fears, this listener Q&A episode breaks down the most common first-time homebuyer questions with real math and no fluff. Learn the right order of operations, how to shop for your mortgage, and when to start talking to a lender — all straight from the expert trusted by thousands of new homeowners.This episode dives into 10 of the most frequent and misunderstood questions first-time buyers ask when preparing to purchase a home. David Sidoni continues the “listener question” series with practical, myth-busting guidance on everything from pre-approvals and FICO scores to the real math behind PMI and rent replacement.Listeners will discover why starting early is the most powerful move, how to safely run a hard credit pull without hurting your chances, and why “shopping the rate” is one of the biggest traps new buyers fall into. Instead, David explains why “shopping the team” — the right realtor and lender — is what truly determines your long-term success and financial comfort.“Don't shop numbers — shop service. Realtor first. Unicorn realtor first.” – David SidoniHIGHLIGHTS:The correct order of operations: Realtor first, lender second, rate thirdWhy PMI isn't the enemy — it's a tool that gets you into the game soonerThe myth of “wait until you're debt-free” or “save 20%” before buyingHow much a hard credit pull really affects your score (spoiler: not much)Mortgage broker vs. bank vs. online lender: what actually mattersThe new FICO top tier: 780+ and why that matters for ratesWhy credit unions are great for cars, not mortgagesWhen and how to use a 401(k) loan to buy your first homeReal math: PMI vs. waiting 40 months to save — $6,000 vs. $100,000 in rentThe one question that can make or break your lender interviewConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!Subscribe on YouTube@HowtoBuyaHome

If you're stuck in a lease but dreaming about owning a home, this episode shows you how the math may already be on your side. Learn how breaking a lease — the move most renters fear — can actually save you thousands and help you start building wealth sooner.For most renters, breaking a lease feels like throwing money away. But what if that short-term fee could unlock long-term financial freedom? In this episode, you'll discover the real numbers behind one of the biggest decisions first-time buyers face — whether to wait for a lease to end or jump in and start owning sooner.You'll learn how to compare the cost of your rent to the value of a mortgage payment, why the “perfect timing” myth keeps people stuck, and how to calculate whether breaking a lease actually puts you ahead. This episode breaks down real examples showing how a $2,000 lease fee can translate into an $18,000 financial gain once you account for rent replacement, appreciation, and tax benefits.You'll also learn about current buyer advantages — from reduced competition and falling rates to new down payment assistance programs — that make this season one of the best times in years to purchase your first home. If you've ever thought, “I'll just wait until my lease is up,” this episode gives you the clarity to see what that waiting could really cost.By the end, you'll walk away knowing exactly how to run your own numbers and decide when you are financially ready — not when your lease says you are.“The question shouldn't be when your lease ends — the question should be when the math favors you most.” – David SidoniHIGHLIGHTS:Why breaking a lease might actually save you moneyHow to calculate your true rent replacement valueReal math: $2,000 fee vs. $20,000 lost in rent = $18,000 net gainThe hidden advantage of skipping your first mortgage payment cycleWhy lease dates rarely align with the best buying opportunitiesCurrent buyer window: lower competition, better prices, and new programsOver 2,600 down payment assistance options available nationwideHow even small appreciation (2–4%) adds thousands to your wealthWhy waiting for “perfect timing” can cost more than acting earlyThe mindset shift: stop letting your lease control your financial futureREFERENCED EPISODES:355, 388, 411, 180Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!Subscribe on YouTube@HowtoBuyaHome

Flat prices, stable rates, rising inventory — this episode reveals why today's “boring” market is a gift for first-time buyers.This 2025 market update breaks down why the so-called “stagnant” housing market is actually filled with opportunity for first-time buyers. David exposes how media headlines overlook improving buyer conditions — like falling interest rates, more flexible credit score requirements, and the quiet rise of new inventory.You'll also get clarity on why ultra-low rates aren't coming back, how to read between the lines of housing data, and what recent buyer wins say about your chances. If you're prepping to buy in 2025 or 2026, this is the episode that shows you where the opportunity really is.“Flat and stagnant isn't sexy for homeowners — but it's a dream for you.”HighlightsWhy “bad” real estate news is actually good for buyersHow today's media frames the market from a homeowner's perspectiveUpdates on credit score flexibility and lender shifts in late 2025Signs that interest rates may be stabilizing or easingReal stories of first-time buyers winning in today's marketThe truth about inventory and what's changing with new buildsHow to read housing headlines with a buyer's lens, not a seller'sEncouragement for listeners coming off the 10-step educational series (Ep 400–410)Referenced EpisodesEpisodes 400–410: The Complete “How to Buy a Home” 10-Step Starter Series355 - Real Answers Pt 4: Should I Rent or Buy in 2025?391 - New Build Inventory & Incentives - Late Summer Promo 2025180 - Online Mortgage Calculators Are GARBAGE - Here's Why383 - 2025 Crucial Housing Market Shift Pt 2: Sales, Inventory & AffordabilityConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

The market changes fast — and most of what you've heard about buying a home is already outdated. In this final step of the How to Buy Your First Home system, David Sidoni explains how to read today's housing data, block out bad advice, and use real-time insight to make your move with confidence.You've reached Step 10 — the finish line of the HBH system. This episode shows why up-to-date market knowledge is your biggest edge as a first-time buyer.David breaks down how to track what's happening now — from low inventory to shifting rates — and why relying on old information or family anecdotes can lead you astray. Learn how “location, timing, timing” replaces the outdated mantra and how to use data, not fear, to guide your offer and negotiation strategy.You'll walk away knowing exactly where to find reliable pros, what to ignore online, and how all ten steps come together to help you act decisively in a market that never sits still.“The market moves fast — but if you stay informed, you'll move faster and smarter.”HighlightsMarket knowledge changes fast — most advice is already outdatedReal data vs. recycled opinions: how to tell the difference“Location, timing, timing” — why time in the market beats timing the marketWhat 2025–2026 trends mean for first-time buyersHow to adjust offers and strategies as conditions shiftWhy trusted, vetted experts are your best source of current infoOFFICIAL 2025 EPISODE GUIDEConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Stop fearing your future mortgage payment — and start preparing for it. In this episode, David Sidoni shows you how to rehearse homeownership before you buy by using your rent phase to train your budget. Learn how to set up automated savings that match your future mortgage, shift your mindset from “budget pain” to “financial power,” and walk into homeownership confident, calm, and ready.Worried your new mortgage payment will crush your lifestyle? It won't — if you start practicing now. David explains how to simulate your future homeowner budget before you ever buy. By automating savings equal to your projected mortgage and expenses, you'll make the transition from renter to homeowner smooth and stress-free.This step turns budgeting into empowerment. Instead of fearing costs, you'll build habits that make financial stability automatic — and keep saving even after you buy.“You can practice being a homeowner before you even become one.”HighlightsLearn how to rehearse your mortgage before you buyTurn budgeting into financial freedom, not restrictionBuild confidence by automating your savingsStay ahead of “house poor” stress after closingConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

The internet can be your best resource or your biggest distraction when buying your first home. In this episode, David Sidoni breaks down how to use online research the right way — without falling for clickbait, myths, or bad advice. Learn how to combine your own research with your Realtor's expertise to find the perfect neighborhood and home faster.Most first-time buyers start their home search online — and that's okay, as long as you know how to use those tools wisely. David explains how to separate helpful data from sales-driven misinformation, showing you what to look for (and what to ignore) when browsing sites like Zillow, Redfin, or Google Maps.You'll learn how to research neighborhoods, compare amenities, and spot trends without getting lost in research overload. David also shows why your “unicorn Realtor” is still the key player who helps interpret that data correctly, so you don't waste months chasing inaccurate listings or bad information.By the end of Step 8, you'll understand how to bring your online findings into productive conversations with your team — turning your curiosity into confidence.“Your internet stalking skills finally come in handy — but use them wisely. Work with your Realtor, not against them.”HIGHLIGHTS:How to use online tools to explore neighborhoods and listings without wasting timeThe difference between real data and clickbaitWhy Zillow estimates aren't the same as real home valuesHow to make your Realtor partnership stronger through smart researchThe mindset shift from “DIY buyer” to “informed co-pilot”OFFICIAL 2025 EPISODE GUIDEConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

A real estate expert breaks down the confusing language of real estate so you can finally understand what lenders, agents, and lawyers are talking about. From pre-qualification to escrow, this episode is your cheat sheet to translating homebuying jargon into plain English.If you've ever felt like everyone in the homebuying process was speaking another language, this episode will be your turning point.David Sidoni, host of How to Buy a Home, demystifies the industry's most misunderstood terms — helping first-time buyers move from “What does that even mean?” to “Got it. Let's do this.”Listeners learn the real difference between being pre-qualified and pre-approved, what “escrow” actually means (and how it can mean ten different things depending on where you live), and why understanding your loan type matters more than you think.David also explains how the words “accepted offer” don't always mean you've sealed the deal — and how regional differences in terms like “under contract” or “option period” can trip you up if you don't know what to expect.By the end, you'll understand all the acronyms (DTI, FHA, VA, LTV, CMA, and more) that once made your head spin, and you'll feel confident speaking the language of homeownership.This episode isn't just about memorizing terms — it's about empowerment. Understanding the vocabulary means understanding the process, and that's how you stop feeling like an outsider and start acting like a confident future homeowner.“There's a colossal difference between being pre-qualified and pre-approved — and knowing that difference can make or break your homebuying plan.”HIGHLIGHTSThe difference between pre-qualified and pre-approved — why it's more than just paperwork.What escrow actually means (and why real estate pros use it like the word “aloha”).Loan lingo decoded: conventional, jumbo, fixed, variable, VA, FHA, and USDA.The truth about “accepted offers” — why it doesn't always mean you've got the house.Regional term differences that confuse first-time buyers — “under contract” vs. “in escrow.”Common acronyms explained: DTI, LTV, FHA, VA, CMA, ARM, and more.Why understanding this language gives you real control over your homebuying journey.Referenced EpisodesEpisode 94: Starts the Terms & Definitions SeriesConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Think you need 20% down to buy a home? Think again. In Step 5 of the 10-Step How to Buy a Home System, David Sidoni breaks down how much you really need to save — and how to start now, even if you're juggling debt.Saving for a home is the step that scares most renters away from ever getting started. In this episode, David busts the biggest myth in homebuying — that you need a massive 20% down payment — and replaces it with a realistic, data-backed plan to get you there faster.You'll learn the simple formula to estimate your goal: 8% of your home's price (5% down + 3% closing costs). That's the true, conservative number for most first-time buyers — and for many, it can be even less.David walks through how real buyers used creative strategies and pro guidance to shrink their out-of-pocket costs to as little as 1–5%. From zero-down loans to grants and seller credits, this episode shows how working with a Unicorn Team early opens doors you didn't know existed.You'll also hear real-world examples like Nick (Episode 399), who expected to need tens of thousands for closing — but ended up bringing only $4,000 to the table and even got money back.The key message: Don't wait until you think you've saved “enough.” Waiting costs you time, opportunity, and money. Learn how to plan smart, start early, and move forward with confidence.“If you think you need 20% down, you're already behind the truth. Most first-time buyers use 3.5% or 5%, and some even less. Waiting to ‘save enough' could cost you thousands.”HighlightsMyth Busted: Only 8–9% down is typical for first-time buyers — not 20%.Your Real Goal: Start with the 8% formula (5% down + 3% closing costs).Example: $400,000 home = $32,000 total savings target.Start Early: Work with a Unicorn Team before you hit your goal — they'll help you find options that reduce how much you need.Buyer Story: Nick (Ep. 399) bought with just $4K out-of-pocket — and got a refund check.Options That Work: 3.5% FHA loans, down payment assistance, seller credits, and even 0% down programs.Emotional Truth: Stop assuming homeownership is out of reach. Education and strategy make it possible sooner than you think.Referenced Episodes388 – The Playbook Vol. 1: The Rent Replacement Strategy389 – The Playbook Vol. 2: Your Last Lease Ever348 – How Much Do You Really Need for Closing Day?399 – The Real Value of Buying: What Nick Gained Beyond a Mortgage380 – This Should Have Been Impossible – But Rosie Actually Did It (Interview)189 – VA Loans: Bad for Buyers or a Christmas Miracle?358 – Interview: How to Buy a Duplex at 22 with $12K321 – Buying in a High-Cost Area – Long Island, NY (Interview)121 – When to Back Out of the Deal – Interview with a First-Time Buyer113 – Interview with a Single Female First-Time Home Buyer in 202275 – Inspection Red Flags, New Tips for 2022 Bidding Wars, and To Wait or Not to Wait?58 – How to Use Your Retirement Savings to Buy Your First Home the Safe Way22 – How to Financially Prepare to Buy Your First Home – Part IV273 – Buying a Home in 11 Days! Single Mom Becomes Atlanta Homeowner (Interview)19 – How to Financially Prepare to Buy Your First Home – Part I371 – Top Budgeting Apps for First-Time Buyers in 2025381 – Saving While in Debt: How Much Do First-Time Buyers Really Need in 2025?194 – Interview – Making the Impossible Purchase Possible169 – Woman Power: This Single Woman Bought Her First Home239 – Interview: Using the VA Loan for Zero Down161 – Achieving the American Dream: An Interview with Sally7 – First-Time Home Buyer – 1, 2, 3Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and con

You don't need to be debt-free to buy a home—this episode shows you how to work smarter with your debt, not fear it.In today's housing market, waiting to eliminate all your debt before buying a home might actually hurt your long-term financial stability. In this must-listen episode of the How to Buy a Home podcast, we tackle the misunderstood middle child of the Big Three—debt—and explain why managing it strategically can often lead to faster, more affordable homeownership. David Sidoni breaks down the difference between good, bad, and workable debt, clears up damaging debt myths, and shares real success stories of buyers who used modern tactics to qualify for a home loan despite carrying credit cards, car payments, and even $300,000 in student loans.Whether you've followed traditional advice (like Dave Ramsey's) or are just starting your journey, this episode gives you up-to-date guidance for navigating debt in 2025 and beyond. Learn how to balance budgeting, reduce stress, and take smart steps toward buying—even with debt still on the books.“You don't have to be debt free. You don't even have to be nearly debt free to buy a home. That's a fact.”Highlights:Why the “debt-free before buying” rule is outdatedThe three types of debt: good, bad, and workableHow your monthly debt matters more than your total debtSuccess stories: Buying a home with credit in the toilet, medical debt, or $300K in student loansWhy DTI (Debt-to-Income ratio) matters—and how to work with itTips for using budgeting apps, simulators, and custom plans to balance saving and debt reductionWhat to do with a windfall: Should you save it or pay off debt?The truth about student loans, consolidation, and PMIHow working with the right team unlocks real optionsReferenced Episodes:167 – Christina & Sean: First in Their Family to Buy a Home187 – Dr. Kendall: Psychologist Turned First-Time Buyer186 – John & Richard: Buying With $300K in Student Loans388 – The Playbook VOL. 1 – The Rent Replacement Strategy389 – The Playbook VOL. 2: Your Last Lease Ever394 – The American Dream Is Dead371 – The Best Budgeting Apps for Homebuyers198 – PMI Is a Privilege216 – PMI Is Still a Privilege And Still Not The DevilOFFICIAL 2025 EPISODE GUIDEConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Creativity through the lens of the CEO and Founder of the How to Buy A Home platform"Finding creativity when you're sweaty and tired."David Sidoni has been helping first-time home buyers since 2006. After over a decade of seeing first-hand how the real estate industry was screwing first-timers, he decided to create an educational platform to empower and educate the people who need guidance most. Since 2019, now with over 1.67 million downloads, the How to Buy a Home podcast is the #1 place for renters to find the answers they are looking for.https://howtobuyahome.com/https://www.facebook.com/HowtoBuyaHomeGuy/https://x.com/davidsidonihttps://www.youtube.com/@HowToBuyAHomehttps://www.instagram.com/howtobuyahomepodcasthttps://www.linkedin.com/in/david-sidoni-53a9295/https://www.tiktok.com/@howtobuyahomeSend us a text

Credit scores can make or break your first-home dream — but most of what you've heard about them is wrong. In this essential step of the How to Buy a Home system, David Sidoni cuts through the myths and reveals how to build the kind of credit that actually gets you approved. Whether your score is 820 or 520, this episode shows you exactly how to work with — not against — the credit system so you can buy smarter and sooner.Your credit score isn't a judgment of character — it's a math formula that lenders use to decide how much you'll pay for your mortgage.In this episode, David breaks down how that number really works and why time is your most powerful tool for improving it. From insider tips shared by national credit experts to easy-to-follow habits that raise your score month by month, this is the complete roadmap for turning your credit from a roadblock into a launchpad.Listeners will learn:Why the credit system moves slowly — and how to use that delay to your advantageThe “Big Three” pillars (credit, debt, and savings) that work together to boost buying powerHow early planning — two to three years before you buy — creates the best loan optionsWhy even small positive steps add up to big results over timeThe real truth about FICO, credit pulls, and what lenders actually seeIf you've ever worried that your credit isn't “good enough,” this episode gives you proof — and a plan — that it can be.“Negative changes happen fast, but positive changes happen slowly — and that's exactly why time is your biggest advantage.”HighlightsCredit myths, busted: What's real, what's internet noise, and what actually affects your score.The Big Three explained: How credit, debt, and savings combine to shape your buying power.Start early: The 2-to-3-year rule for maximizing your credit results before you apply.Beat the bureaus' delay: Learn why patience and consistency win the credit game.No quick fixes: Why there's no magic wand — just smart steps and time.Confidence over fear: Even low scores can rise; the key is knowing where to start and sticking with it.Referenced Episodes349 – Credit Score Solutions for First-Time Buyers (INTERVIEW)304 – Improve Your Credit: Homebuying 101 – Step 3199 – Boomer's Homes Were CHEAPER – Plus Credit Pull Myths!90 – Credit Repair for 300-669 – “Bad” or “Fair” Credit Scores64 – Credit Tips for First-Time Home Buyers from Jeanne Kelly, National FICO Expert61 – More FICO Fun – Some Good News (For Once) About Credit Scores & Hacks56 – The Advanced Hack to Raise Your Credit Score and Get Extra Cash for Your Down Payment8 – Quick Credit Tips for First-Time Home Buyers3 – What Do You Need to Know About Credit182 – Interview: From ZERO Credit Score to Homeowner198 – PMI Is a Privilege216 – PMI Is Still a Privilege and Still Not the DevilOFFICIAL 2025 EPISODE GUIDEConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Choosing the right realtor and lender is the most important decision of your entire home-buying journey. In this foundational step of the How to Buy a Home Starter Kit, David Sidoni reveals how to build your real estate “dream team” — one that guides, protects, and empowers you from day one. This episode exposes the industry myths that keep first-time buyers confused and shows you how to find professionals who work for you, not just the deal.SynopsisMost first-time buyers think their realtor's job is to find a house and write an offer, and their lender's job is to get them the lowest rate. Wrong. In this episode, David breaks down the truth about what real estate and mortgage professionals are really supposed to do — act as your advocates and educators long before you ever start touring homes.You'll learn why finding your guides early is the #1 shortcut to buying with confidence and saving money in the process. David walks through the “red flags” that signal you're working with an order-taker instead of a true advisor, explains how fees really work (even after the 2024 NAR lawsuit), and shows you exactly what to look for in a first-time–buyer–friendly realtor and lender.This episode is all about mindset — shifting from “I can figure it out on my own” to “I deserve a team that helps me win.” You'll walk away knowing how to interview potential agents and lenders, how to spot true advocates who will guide you through every step, and why this early investment of time can make or break your success as a homebuyer.Quote“You don't have to do all the planning on your own — that's the number one thing that will make or break your home-buying dreams.”HighlightsWhy Step 2 is the most important step in the 10-part homebuying processThe truth about what your lender and realtor actually doHow to avoid “door-openers” and “order-takers” who only chase transactionsThe real story behind agent fees after the 2024 NAR lawsuitHow early education with the right guides multiplies your buying powerThe mindset shift that turns confusion into confidenceRed flags to avoid when choosing your real estate teamWhat to look for in a first-time–buyer–focused realtor and lenderWhy spending 10x more time researching your team is worth itThe “personal Yoda” principle — why long-term guidance creates better outcomesReferenced Episodes[Ep. 5] The Biggest Dirty Little Secret in Real Estate[Ep. 164] START HERE: 10 Steps to Buying Your First Home[Ep. 169] Woman Power: This Single Woman Bought Her First Home[Ep. 229] What Is a Unicorn Real Estate Team?[Ep. 339] Don't Get Pre-Qualified—Get a Plan (Interview)[Ep. 340] Down Payment Assistance, Discovery Calls & Lending Myths (Interview)[Ep. 382] 2025 Crucial Housing Market Shift Pt. 1: Rates[Ep. 383] 2025 Crucial Housing Market Shift Pt. 2: Sales, Inventory & Affordability[Ep. 384] 2025 Crucial Housing Market Shift Pt. 3: Rent Math & Buying Power[Ep. 388] The Playbook Vol. 1: The Rent Replacement Strategy[Ep. 389] The Playbook Vol. 2: Your Last Lease EverConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer.

Before credit checks, down payments, or Zillow searches — the first step is deciding. In this kickoff to the 10-step Homebuying 101 series, David Sidoni breaks down the mindset every first-time homebuyer must have before any of the practical steps even matter. If you've been stuck renting, overwhelmed by myths, or waiting for “the right time,” this episode will change how you see yourself — and your ability to buy a home.SynopsisMost people think the first step to buying a home is financial — checking credit, saving money, or finding a realtor. But that's not where it starts. The first step is mental: deciding you're ready to take control of your future.David Sidoni, founder of How to Buy a Home, reveals why every first-time homebuyer's journey begins with a decision — a mindset shift that transforms fear into action. He exposes the biggest myths keeping renters stuck, from “you need 20% down” to “you can't buy with student loans,” and replaces them with real numbers, data, and proof from thousands of successful buyers.Listeners learn that education is the antidote to fear. Sidoni shows that understanding the process, not having perfect finances, is what separates dreamers from doers. Backed by six years of data, he proves that 72% of people who thought they were a year away from buying discovered they were ready far sooner — once they made the decision to start.By the end, this isn't just about houses or mortgages — it's about finally believing you can stop renting forever.Quote“Step one is decide — because none of the other nine steps mean a damn thing if you don't make that choice first.”— David Sidoni, How to Buy a Home PodcastHighlightsThe true first step isn't financial — it's mental. Deciding to move forward changes everything.Myth-busting the biggest fears: You don't need 20% down, a six-figure income, or perfect credit to buy.Mindset = momentum. Confidence comes from education, not from already knowing everything.Proven data: 72% of buyers who thought they were a year away discovered they could buy much sooner.Clarity before chaos. The 10 steps give you a system so you can stop guessing and start planning.Empathy and empowerment. David helps first-time buyers understand that fear isn't failure — it's just lack of information.Referenced Episodes388 - The Playbook VOL. 1 - The Rent Replacement Strategy389 - The Playbook VOL. 2: Your Last Lease Ever382 - 2025 Crucial Housing Market Shift Pt 1: Rates383 - 2025 Crucial Housing Market Shift Pt 2: Sales, Inventory & Affordability384 - 2025 Crucial Housing Market Shift Pt 3: Rent Math & Buying Power98 - Time for A New Game Plan To Buy Your First Home – My Story355 - Real Answers Pt 4: Should I Rent or Buy in 2025?OFFICIAL 2025 EPISODE GUIDEConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Welcome to the official starting point of How to Buy a Home.If you're ready to stop renting but don't know where to start, this is your map. In this episode, David Sidoni introduces the 10 Steps System — the complete homebuying education plan trusted by first-time buyers across the U.S. You won't learn every step today — this episode is your orientation.David explains how the system works, what you'll learn in the episodes ahead, and how to start preparing right now with three simple, actionable steps you can take today. Buying your first home can feel impossible. You've got questions — How much money do I need? What about my credit? When should I even start? That's exactly why this series exists. In this reboot of How to Buy a Home's signature 10 Steps System, David lays out the roadmap that gives you the clarity, structure, and confidence you've been missing. This episode is the introduction — the foundation for the ten educational episodes that follow. You'll hear how the system works, what each step will cover, and why this is the most trusted guide for first-time buyers today. Over the next ten episodes, David will walk you through everything: How to set your goals and build your teamHow to improve your credit and manage debtHow to save for your down paymentHow to find the right home and navigate the current market By the end of this short intro, you'll know exactly where to begin — and leave with three real-world actions to get you started today, even if you're still renting or just starting your research. This isn't another quick tip podcast — it's your step-by-step education plan to finally buy your first home with confidence. “By the end of this, I'm going to give you three action steps that you can start today — yeah, progress immediately.” Highlights: Learn how the 10 Steps System works — and why it's the most trusted first-time buyer framework in the U.S.Understand what each of the 10 steps will teach you in future episodes.Find out when and how to start your homebuying prep — even if you're not financially ready yet.Discover how HBH helps you educate, protect, and connect with qualified professionals.Updated for 2025–2026 — real guidance for today's market conditions.Take three simple action steps before the next episode to start your journey. Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Buying a home isn't just about payments — it's about building a future.In this episode, David sits down with Nick, a first-time buyer who went from having just $1,500 in the bank to closing on a $312,000 home in less than a year. Nick shares the fears, doubts, and breakthroughs that turned his “someday” dream into reality — including the pivotal moment he realized that an extra $1,000 a month wasn't just rent, it was buying him security, equity, and a foundation for his family's future.You'll hear how listening to the podcast gave Nick a “study guide,” but reaching out for real help with a unicorn realtor made all the difference. His story shows why waiting can cost you, and why taking action — even when it feels scary — is the key to breaking out of the renter cycle.Quote“I kept waiting for the sales pitch… but it never came. Just the facts came, and that got my attention.” – NickHighlightsHow Nick turned $1,500 in savings into homeownership in under a yearThe moment he overcame the fear of reaching out for helpWhy an extra $1,000 per month on a mortgage payment isn't just “more rent”The difference between passive learning and active planning with a unicorn realtorWhy waiting can cost more than starting the process todayConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

We're revisiting one of the most powerful first-time buyer stories ever shared on the show. DeShawn's journey from homelessness at 15 to homeowner proves that with the right plan, a unicorn team, and determination, you can buy a home—even when the odds seem stacked against you.In this replay of Episode 247, we revisit DeShawn and Katrina's inspiring path to homeownership. After years of struggle and resilience, DeShawn used the podcast to build a plan, connect with a unicorn team, and take advantage of a first-time homebuyer grant and zero down loan.They brought just $5,000 to closing, and today their mortgage payment is $200 less than their old rent. In this interview, DeShawn shares:How he rebuilt his life after being on his own since age 15Why your credit score is a game-changer (and how to strengthen it)The offer strategy that helped them get their home accepted fastThe importance of expanding your search area to find affordabilityHis vision for creating long-term wealth for his familyThis story is a reminder that first-time buyers can win—even in tough markets. If you've been discouraged by headlines or myths about needing 20% down, DeShawn's story will inspire you to see what's truly possible.Quote“My biggest thing for everybody is just trust the process. Credit score, credit score, credit score is huge. And you really lean into your unicorn team. Amazing things will happen.” – DeShawnHighlightsFrom homeless teen to homeowner: DeShawn's powerful journeyUsing a grant and zero down loan to minimize upfront costsHow their new mortgage ended up cheaper than rentWhy credit score matters more than most buyers realizeCreative offer strategies that stand out in competitive marketsThe role of a unicorn team in making the process achievableBuilding long-term financial stability through homeownershipReferenced Episodes:FOR A COMPLETE LIST OF ALL THE REFERENCED EPISODES, PLEASE VISIT OUR OFFICIAL 2025 EPISODE GUIDEConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

First-time homebuyers often get stuck in the same myths and mistakes. This episode shares overlooked tips and critical warnings that can protect you and boost your confidence.Buying your first home can feel overwhelming, but a few insider strategies can make the process smoother — and safer. In this episode, David Sidoni shares hard-earned lessons from two decades of guiding first-time buyers. You'll learn how lenders calculate your debt-to-income ratio (DTI), why monthly debt payments matter more than total balances, and how to avoid common missteps that derail approvals. Each tip comes with a warning, because protection is the first job of a unicorn Realtor. Whether you're just beginning your research or already preparing for pre-approval, these nuggets will help you move forward with clarity.Quote:“Protecting you isn't a small part of a unicorn realtor's job. It's their first job.”Highlights:What lenders really look at in your debt-to-income ratio (DTI)Why monthly obligations carry more weight than your total debtThe hidden pitfalls that can stall loan approvalThe role of a unicorn Realtor in protecting first-time buyersConfidence-boosting tips that most buyers never hearReferenced Episodes:FOR A COMPLETE LIST OF ALL THE REFERENCED EPISODES, PLEASE VISIT OUR OFFICIAL 2025 EPISODE GUIDEConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

How one first-time buyer left city renting behind and built her rural dream life — with just 5% down.Dreaming of wide open space, a garden, and room for animals? Samantha made it happen. In this episode, David Sidoni talks with Samantha, a first-time buyer who left apartment living to purchase a 2-acre homestead in Texas. Her journey shows how early planning, flexibility, and the right team can turn a dream into reality.Samantha shares how she timed her purchase with her lease, worked with a unicorn realtor to find trusted lender options, and adjusted her checklist without losing sight of her must-haves. She also opens up about the tough but valuable lessons she learned from rural inspections — including septic and well systems — and how she knew when to walk away.Whether you're dreaming of a rural property or just wondering if 5% down is enough, this story proves that the right strategy makes even the biggest lifestyle shifts possible.Quote“Definitely have a checklist of things that you value and you want with your home. But also don't be afraid of tweaking it, especially as you see homes.” — SamanthaHighlightsWhy starting the homebuying process months in advance reduces stressHow to work with a unicorn realtor to find a trusted lenderBalancing must-haves with flexibility in the searchRed flags in rural inspections: septic systems, wells, and flipper propertiesHow Samantha bought her dream with just 5% downUsing homeownership to build toward bigger life goalsConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Too many renters delay buying because they think they need far more cash than reality. In this updated replay, David Sidoni explains why the “wait and save” mindset is one of the biggest mistakes first-time buyers make—and how much you actually need to bring to closing.If you've been sitting on the sidelines thinking you need $50,000, $80,000, or even $100,000 saved before buying, this episode is for you. In today's shifting 2025 market—where buyers finally have more leverage in many areas—the biggest obstacle is still misinformation about closing costs.In this myth-busting replay of episode 348, David Sidoni breaks down why 90% of aspiring buyers overestimate what it takes to close, costing them years of wasted rent and lost equity. You'll hear real-world examples of buyers who closed on homes with far less than they expected, plus the creative (but totally legit) tools that helped them get there: low down payment programs, seller credits, and assistance options.Closing isn't just a date on the calendar—it's a moving process with shifting costs and timelines. But with clarity, preparation, and the right mindset, you can take control of the chaos and finally stop waiting on the sidelines.“That phrase, ‘wait and save,' has cost renters hundreds of millions of dollars in unnecessary rent paid and equity lost.”HighlightsWhy most renters dramatically overestimate down payment and closing costsReal examples of buyers closing with as little as $4,100Why the myth of 10–20% down plus extra costs is holding you backHow loan programs, seller credits, and assistance can reduce cash neededWhy closing is a process, not a single day—and how to manage itThe mindset shift that helps Type-A buyers stay calm when timelines shiftThe truth: you don't need as much as you think to buy your first homeConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

What if everything you were told about homeownership was a lie? This episode breaks down the death of the boomer American Dream — and introduces a smarter, realistic path to owning a home today.You've heard the narrative: the housing market is broken, homeownership is out of reach, and the American Dream is dead. And in a way, that's true — but not for the reasons you think.In this episode, David Sidoni tackles one of the biggest lies holding first-time buyers back: the myth that because the old dream died, homeownership is impossible. He reveals the truth about how the boomer-era vision of buying a home began collapsing over 50 years ago — and why it's time to stop waiting for a fantasy to come back.You'll hear a powerful story about Nicholas Z, a listener who came to How to Buy a Home with only $1,500 in savings. Ten months (and a few major life curveballs) later, he and his partner owned a 4-bedroom home. No inheritance. No shortcuts. Just strategy, guidance, and a new path.David brings the receipts: almost one million first-time buyers closed on homes last year. Most didn't put down 20%. Most didn't have financial help from family. The “dream” may be dead, but the opportunity is not. Learn how regular people are still winning — and how you can too.Quote:“The dream didn't die last year. It's been dead for decades — and we've been building a better path.”Highlights:The truth about the boomer-era American Dream (and why it's over)Why the current market isn't your enemy — it's just differentAverage down payment data from 2024 (hint: it's not 20%)FHA and 5% down loan options for first-time buyersNicholas Z's story: from broke to homeowner in under a yearWhat nearly 1 million first-time buyers did in 2024 that you can do tooHow to let go of the old story and focus on what works nowConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

After years of thinking they weren't ready, Isaac and his wife realized they'd been holding themselves back for the wrong reasons. In this episode, they share how financial fears, wedding expenses, and career changes delayed their decision to buy — and why they now believe starting earlier would have saved them money and stress. A real-world reminder that “readiness” doesn't require perfection.Meet Isaac, a first-time buyer who candidly shares the emotional and financial lessons learned on the road to homeownership. From a cross-country move to Florida and years of hesitation, Isaac and his wife postponed buying a home because they assumed they needed to pay off all debt and hit 20% down. But after connecting with the How to Buy a Home team, they closed on their dream home in just a few months — with less money down and full confidence.This episode dives into:Why “waiting until you're ready” can actually cost youThe truth about buying with less than 20% down and paying PMIHow they avoided a money pit thanks to the right agentThe pitfalls of using a family friend as a realtorHow Isaac's view of affordability and timelines completely shifted after finding the right guidanceFor anyone feeling overwhelmed or unsure if it's the “right time” to buy, Isaac's story is the reality check you didn't know you needed.“We should've done this in reverse order. Bought the house first, then planned the wedding.”– IsaacHighlights:Moving from Chicago to Florida: career change, wedding costs, and the turning pointWhat made Isaac say “We waited too long”Their decision to buy with less than 20% down (and why it worked)The inspection that saved them thousandsWhy a “good vibe” isn't enough when choosing your realtorHow connecting with a unicorn agent accelerated their timelineAdvice for anyone thinking they need to “fix everything” before buyingConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Buying your first home? This episode breaks down the new vs. resale debate with clear pros, cons, and strategies to help you make the best choice for your future.For first-time buyers, the choice between a brand-new home and a resale property can feel overwhelming. Each option has unique benefits and hidden challenges, and the best decision depends on your budget, lifestyle, and long-term goals. In this episode, David Sidoni unpacks everything you need to know about: The perks of new builds (energy efficiency, customization, less immediate maintenance)The realities of resale homes (lower prices, established neighborhoods, potential repair surprises)The importance of budgeting for upgrades vs. remodeling laterHow timing and market conditions can shift the balanceThe types of new home purchases — from land builds to semi-custom, quick move-ins, and spec homes David brings 20+ years of first-time buyer coaching to the table, helping you weigh your options with confidence. If you're asking yourself, “Should I go new or resale?” this is your playbook. “It's the biggest financial decision of your life — new home or resale? Let's break it down.” Highlights New homes offer efficiency and customization but often come at higher costs.Resale homes are more affordable and located in established areas but may bring hidden repairs.Budgeting plays a critical role — upgrades vs. renovations.Quick Move-In (QMI) and spec homes can be a faster path to ownership.There's no one-size-fits-all answer — your personal goals and timing are key.Referenced Episodes:388 - The Playbook VOL. 1 - The Rent Replacement Strategy389 - The Playbook VOL. 2: Your Last Lease EverConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Finally — some good news for first-time homebuyers. Housing supply is rising, interest rates are dipping, and builders are offering real incentives. This episode breaks down why 2025 may finally be your chance to buy smarter — before competition heats back up.For years, first-time buyers have been stuck facing high prices, low inventory, and discouraging rates. But late summer 2025 is bringing a shift: seven major U.S. cities are now officially buyers markets, mortgage rates are dropping back into the mid-5% range, and builders are cutting prices while adding incentives.David Sidoni explains what this means for your monthly payment, why timing matters, and how to create your personal rent replacement strategy before bidding wars return. You'll also hear a success story from listeners Will and Annie, who started their planning early and are now thriving as homeowners in their 20s.If you've been waiting for your opening, this could be the time to act.“Interest rates just dropped from 7% to 5.5%. That's almost $400 a month back in your pocket — for the same home.”HighlightsWhy seven U.S. cities just tipped into official buyers marketsHow FHA loans at 5.5% can save first-time buyers nearly $400 a monthThe surprising drop in new construction home prices across one-third of major marketsWhat builder incentives really mean for your budgetWhy starting your rent replacement strategy now gives you a big advantageReal first-time buyer success story: Will and Annie, ages 26 & 27Referenced Episodes388 - The Playbook VOL. 1 - The Rent Replacement Strategy389 - The Playbook VOL. 2: Your Last Lease EverConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

After back-to-back rental letdowns, Tim and Vanessa decided they'd had enough. This episode dives into their journey from frustration to finally buying their first home in Tarpon Springs, Florida, with insights every first-time buyer can use.Tim and Vanessa's story begins with a double blow from their landlord — first being kicked out for renovations, then again just weeks later when the landlord decided to sell. The final straw came during their wedding anniversary weekend, in the middle of a hurricane, when they got the dreaded 30-day notice. Instead of giving up, they turned their anger into determination.With persistence and guidance from a unicorn realtor, they navigated the emotional rollercoaster of home shopping. They refused to settle, even when it felt tempting, and leaned on their realtor's network of lenders and inspectors to stay confident in the process. Their patience paid off: in early 2025, they closed on a $388,000 two-bedroom, two-bath home in Tarpon Springs, FL.This interview highlights the importance of resilience, choosing the right team, and never letting setbacks define your outcome. For anyone feeling stuck in the cycle of renting, Tim and Vanessa's journey is proof that perseverance and the right guidance can turn things around.Quote: “Don't settle. We tried to talk ourselves into it several times, and it just wouldn't have worked out.” – VanessaHighlights:The rental nightmare that finally pushed them to buyHow a unicorn realtor changed everythingThe emotional toll of the search — and why persistence mattersWhy refusing to settle was their key to successTheir final win: a $388K home in Tarpon Springs, FLConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

#584 Think you know it all when it comes to first-time home buying? Think again! In this episode, host Brien Gearin is joined by real estate expert and first-time homebuyer advocate David Sidoni, founder of How to Buy a Home. David shares his journey from showbiz to real estate, his mission to help underserved first-time buyers, and the misconceptions that hold many back — like the myth that you need 20% down. He also breaks down how self-employed entrepreneurs can navigate home buying, the impact of recent real estate commission changes, and why working with the right team is critical. Whether you're a future homebuyer or just love smart business insights, this episode is packed with eye-opening advice! (Original Air Date - 2/10/25) What we discuss with David: + Myth: You need 20% down – Not true for first-time buyers + Debt-to-income explained – Lenders assess monthly payments, not total debt + Entrepreneurs & mortgages – Self-employed buyers need strategic planning + Start earlier than you think – Many buy months sooner than expected + First-time buyers are ignored – Most agents prioritize higher-value clients + Scaling a niche business – How David built a national agent network + NAR lawsuit impact – Buyer commissions remain mostly unchanged + Renting vs. buying costs – Long-term financial growth matters + Choosing the right team – A great realtor & lender are key + From showbiz to real estate – David's journey to homebuyer advocacy Thank you, David! Check out How to Buy a Home at ⁠HowtoBuyaHome.com⁠. Listen to the ⁠How to Buy a Home Podcast⁠. Follow David on ⁠Instagram⁠, ⁠LinkedIn⁠, ⁠TikTok⁠, ⁠Twitter⁠, and ⁠YouTube⁠. Watch the ⁠video podcast⁠ of this episode! To get access to our FREE Business Training course go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MillionaireUniversity.com/training⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. And follow us on: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Tik Tok⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Youtube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Twitter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ To get exclusive offers mentioned in this episode and to support the show, visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠millionaireuniversity.com/sponsors⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Want to hear from more incredible entrepreneurs? Check out all of our interviews ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! Learn more about your ad choices. Visit megaphone.fm/adchoices

Most renters can buy a home in 12 months or less — if they have the right system. In this episode, David Sidoni reveals the "Last Lease Ever" playbook, a practical step-by-step guide that helps first-time buyers turn rent payments into a customized strategy for homeownership.The housing industry has failed first-time homebuyers, leaving most renters without guidance until they're already “ready to buy.” But the truth is, with the right coaching and a clear plan, many renters could become homeowners in just a year.In this episode, David Sidoni hands you the ultimate playbook for buying your first home — a proven system that focuses on the Big Three: credit, debt, and savings. Instead of navigating myths and industry neglect, you'll discover:How to build a rent replacement strategy that sets you up for successWhy you only need one action step per month to move forwardThe critical difference between pre-approval and pre-qualificationHow to calculate and understand your debt-to-income ratio (DTI)Why working with a unicorn realtor and lender early changes everythingThis isn't a crash course, a webinar, or a PDF — it's a personalized, actionable plan. With just two free 45-minute meetings, you can map out your 12-month blueprint to turn your rent into a mortgage and finally start building wealth.Quote: “You only need one action step a month. No fluff. No gimmicks. Just real results. That's how you make this your last lease ever.”Highlights:The “Last Lease Ever” playbook: a clear, customized 12-month roadmapWhy the industry ignores first-time buyers during the planning phaseThe Big Three explained: credit, debt, and savingsHow to use DTI (Debt-to-Income Ratio) to understand your buying powerThe role of unicorn realtors and lenders in building your planWhy most renters could buy a home in 12 months or lessReferenced Episodes:304 – Improve Your Credit: Homebuying 101 – Step 3305 – Debt Management: Homebuying 101 – Step 4306 – Saving To Buy Your Home: Homebuying 101 – Step 5355 – Real Answers Pt 4: Should I Rent or Buy in 2025?381 – Saving While in Debt: How Much Do First-Time Buyers Really Need in 2025?Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Winners don't wait to feel ready. They train. In this episode, you'll learn how to use the rent replacement strategy to practice homeownership before you ever buy — and build a mindset that wins in any market.You don't become a homeowner the day you close — you become one the day you start thinking like one.This episode is your playbook. David Sidoni lays out a rent replacement strategy that isn't just about saving money — it's about training your brain and budget to operate like a homeowner before you own a home. That means practicing now. Living now. Saving now. Not waiting for the “right time.”Just like athletes prep before the championship, smart buyers build the habits that get them across the finish line. Rent replacement is your training camp. It's not sacrifice — it's preparation. And it works.David's coached thousands through this method, and in this episode, you'll hear how to start practicing now so that when your homebuying moment comes, you're ready to win.Quote: “Rent is about survival. Buying a home is about growth."Winners don't wait to feel ready. They train. In this episode, you'll learn how to use the rent replacement strategy to practice homeownership before you ever buy — and build a mindset that wins in any market. You don't become a homeowner the day you close — you become one the day you start thinking like one. This episode is your playbook. David Sidoni lays out a rent replacement strategy that isn't just about saving money — it's about training your brain and budget to operate like a homeowner before you own a home. That means practicing now. Living now. Saving now. Not waiting for the “right time.” Just like athletes prep before the championship, smart buyers build the habits that get them across the finish line. Rent replacement is your training camp. It's not sacrifice — it's preparation. And it works. David's coached thousands through this method, and in this episode, you'll hear how to start practicing now so that when your homebuying moment comes, you're ready to win. Quote: “Rent is about survival. Buying a home is about growth."Highlights:Why “training like a homeowner” means budgeting for your future mortgage nowThe power of automating savings and acting “as if” you already own a homeHow starting your plan early helps you beat rising prices and ratesWhat it really means to practice replacing rent with equity — step by stepWhy mindset matters more than market timing when you're buying your first homeConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Think you're years away from buying your first home? You might be closer than you think. In this episode, real-life first-time buyers Tyler and Erin share how they went from overwhelmed to owning a home in just 90 days — all by finding the right help and staying focused on what really mattered.Buying a home in one of the most expensive markets in the country might sound impossible — especially if you're trying to DIY the whole thing. But Tyler, a self-described spreadsheet guy, learned that numbers aren't enough. Once he and Erin connected with a unicorn real estate team through How to Buy a Home, everything changed. In this interview, they walk us through their fast-track journey from research to keys in hand — including the mindset shifts, practical tips, and surprising ease of the process once they had the right guidance.You'll learn:Why talking to your boss might be the first step in buying a homeHow Erin and Tyler chose a “must-have” that simplified everythingWhat made them realize they were ready — even when they didn't feel like itHow unicorn agents make fast, informed decisions easier for buyersThis story will challenge your assumptions and remind you: you don't have to do this alone.Quote: "It can be overwhelming, but having one or two things to focus on — like a good kitchen — helped us feel grounded."Highlights:Tyler and Erin closed on their New Jersey home in just 90 daysTyler emphasized the need to prep your employer for schedule flexibilityErin highlighted the power of choosing one “must-have” to stay focusedWorking with a unicorn agent clarified their finances and sped up the processTheir experience reveals many buyers are closer to ready than they thinkReferenced Episodes:Ep. 6: Choosing House Must-HavesEp. 2: Choosing a Realtor and LenderEp. 1: Deciding Your GoalsConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

A couple turns a rent hike into a homeownership strategy, navigating relocation, pregnancy, and smart financial planning to land a 1923 farmhouse in Maryland.Chris and Niki's journey from Manhattan renters to first-time homeowners shows how strategy, timing, and teamwork can overcome the high costs of living in expensive markets. After learning their $2,900 Manhattan rent was set to jump to $3,800, they began planning to redirect that money into equity. A relocation to Silver Spring, Maryland, brought lower rent and proximity to work, but it was Niki's pregnancy that accelerated their timeline. With $300,000 saved, they split funds between a $150,000 down payment and $150,000 for renovations, ultimately purchasing a 1923 farmhouse for $675,000—$100,000 below asking. Smart lease planning, family carpentry help, and a unicorn real estate team made the process smoother and more affordable.“Get a unicorn team, rely on them, ask questions. They will point you in the right direction.” - ChrisHighlightsHow a rent jump from $2,900 to $3,800 sparked a rent replacement strategy.Why the perfect home doesn't exist—and how to prioritize what matters most.The benefits of open houses for clarifying wants versus needs.What it's like to accelerate homebuying while expecting a baby.How $300,000 in savings was split between down payment and renovations.A unique negotiation strategy that reduced the final purchase price by $100,000.The role family expertise played in making an older home purchase feasible.Why a unicorn team was key to their success.Referenced Episodes350 - From ‘Years Away' to Homeowner: Your Last Lease Ever382 - 2025 Crucial Housing Market Shift Pt 1: Rates383 - 2025 Crucial Housing Market Shift Pt 2: Sales, Inventory & Affordability384 - 2025 Crucial Housing Market Shift Pt 3: Rent Math & Buying PowerConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Overwhelmed by the market? This special Labor Day episode is your cheat code to clarity — a binge guide to six years of first-time homebuyer education.SynopsisThe housing market in 2025 feels bananas — up, down, and sideways all at once. You can't control interest rates, inflation, or prices, but you can control your knowledge. That's what this episode delivers: clarity, confidence, and a roadmap through all 384 past episodes of How to Buy a Home.Host David Sidoni breaks down exactly how to use the podcast library to build your own personal homebuying education plan. From the ten-step Homebuying 101 Starter Kit to practical strategies in the Last Lease Ever program, plus a real estate dictionary to crush confusing jargon, this guide is your ultimate playlist for a smarter path to homeownership.Whether you're starting from scratch, figuring out where you stand, or staying up-to-date with the latest market insights, this curated list of episodes will help you move from confused renter to confident buyer.Quote“You can't control the market, but you can control your knowledge. This is your cheat code to home buying clarity.”HighlightsWhy fundamentals and education matter more than timing the marketA step-by-step binge guide to 384 past episodesHomebuying 101 Starter Kit — ten must-know episodes for beginnersLast Lease Ever program — practical tips while rentingHow to assess your place in the process and set a custom planA real estate dictionary series to break down confusing jargonHow to mix new episodes with the back catalog for maximum learningReferenced EpisodesFOR A COMPLETE LIST OF ALL THE REFERENCED EPISODES, PLEASE VISIT OUR UPDATED 2025 EPISODE GUIDEConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

In the final part of the 2025 Market Shift Update, David Sidoni breaks down why affordability is finally improving — and why old affordability formulas don't tell the full story. Discover how falling rates and shifting rent dynamics create opportunities for first-time buyers.For five years, first-time buyers have faced brutal affordability math. Home prices skyrocketed from $315,000 in 2020 to $438,000 in 2025, far outpacing normal appreciation. But the tide is finally turning. In this episode, David Sidoni explains how flattening home prices and falling mortgage rates are reshaping the affordability index in buyers' favor.More importantly, David reveals the fatal flaw in traditional affordability formulas: they ignore rent. Rent is your biggest monthly output — and it's rising no matter what. When you factor in rent replacement, buying often makes more financial sense than continuing to rent. David shows how to use this perspective to assess your readiness and why waiting for “perfect” affordability is a losing strategy.Packed with myth-busting insights, this episode equips buyers with the clarity and tactics needed to move forward in today's shifting market.“Buying a home is not a want purchase — it's a necessity purchase. You're paying for shelter either way.”HighlightsWhy affordability has been so brutal since 2020How today's interest rate drop makes homes more affordable, even at higher pricesThe flawed formula economists use to measure affordabilityWhy factoring in rent changes the entire equationTactical steps first-time buyers can use in today's market shiftReferenced Episodes382 - Part 1: Rates383 - Part 2: Sales, Inventory & Affordability279 - New Build vs Resale Houses for First Time Homebuyers350 - From ‘Years Away' to Homeowner: Your Last Lease Ever355 - Real Answers Pt 4 – Should I Rent or Buy in 2025?168 - Get Off Your Ass!Websitewww.getoffyourass.orgConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!This is one part of a 3 part series highlighting the most significant housing market shift since this podcast began in 2019. Check out the podcast library for the full series for a complete update.

Part two of this special series dives into three critical pieces of the 2025 housing market shift: home sales, inventory, and affordability. David Sidoni breaks down the numbers, explains why headlines can be misleading, and shows how today's changes open up new opportunities for first-time buyers.The 2025 housing market is in the middle of a transformation unlike anything seen in decades. In part two of this three-part series, David Sidoni unpacks the latest on home sales, shifting inventory, and affordability. He shares how existing home sales have dropped to just over 4 million in recent years, but new data and falling mortgage rates are signaling a move back toward healthier levels. Headlines might scream contradictions — sluggish sales one day, rising applications the next — but that's exactly why staying educated matters. Inventory is building, builders are offering incentives, and affordability is showing signs of life. For first-time buyers, understanding these shifts is the key to beating the rush and securing a home before competition heats back up.Quote: “If you take advantage of this shift now, you can beat the bum rush of a bazillion other buyers.”Highlights:Existing home sales data from 2019–2025 and what it means for first-time buyersWhy headlines about sales and applications seem contradictoryThe role of new construction and builder incentives in boosting supplyHow declining mortgage rates are already improving affordabilityActionable insights on how to prepare for the next market phaseReferenced Episodes:Part 1 of this 2025 Crucial Housing Market Shift series (home prices & mortgage rates)355 - Real Answers Pt 4: Should I Rent or Buy in 2025?Sources:Zillow, Redfin, Goldman Sachs, Housing Wire, Ris Media, US News, Bloomberg, The National Association of REALTORS®, Realtor.com, Homes.com, Zelman & Associates, Brian Buffini and other housing economists, The Mortgage Bankers Association, U.S. Census Bureau, Fannie Mae, Freddie Mac, financial Samurai, Moody's, Inman, US News, Apollo Global, Wells Fargo, and the National Association of Home Builders.Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us! This is one part of a 3 part series highlighting the most significant housing market shift since this podcast began in 2019. Check out the podcast library for the full series for a complete update.

For the first time in over a decade, real change is reshaping the housing market. Prices, inventory, and affordability are shifting in ways that could finally give first-time buyers a new opportunity.In this episode, David Sidoni delivers a data-packed breakdown of the biggest housing market change in 17 years. After years of historically low inventory, rising prices, and brutal bidding wars, 2025 is bringing something different: falling prices in many metros, improving affordability, and a rare increase in available homes.David explains why this isn't a crash, but a shift toward semi-normal conditions — and how you can use this to your advantage. With most experts predicting 2–4% appreciation in 2025, smart buyers who act early can secure homes before the public catches on.This is part one of a three-part market update series designed to help you build a winning 2025–2026 strategy.Quote“For the first time in 17 years, inventory is actually improving — and that changes everything.”HighlightsWhy home prices are actually falling in many metros.The surprising percentage of listings with price cuts this summer.How builders are slashing prices and narrowing the gap with resale homes.What most experts really predict for home values in 2025.How first-time buyers can take advantage of this rare shift.Sources: Zillow, Redfin, Goldman Sachs, Housing Wire, Ris Media, US News, Bloomberg, The National Association of REALTORS®, Realtor.com, Homes.com, Zelman & Associates, Brian Buffini and other housing economists, The Mortgage Bankers Association, U.S. Census Bureau, Fannie Mae, Freddie Mac, financial Samurai, Moody's, Inman, US News, Apollo Global, Wells Fargo, and the National Association of Home Builders.Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!This is one part of a 3 part series highlighting the most significant housing market shift since this podcast began in 2019. Check out the podcast library for the full series for a complete update.

Think you can't buy a home until your debt is gone and your savings are massive? Think again. In this episode, David Sidoni breaks down the real math behind saving for a down payment while managing debt — and why waiting too long could actually cost you more. For first-time homebuyers, the internet is full of misinformation: you need zero debt, a huge down payment, and perfect timing. Wrong. In this episode, David tackles one of the biggest fears holding renters back — how much you actually need to save, and whether it's possible to do that while still carrying debt. Spoiler: it is.Building on Rosie's inspiring story from the last episode (a single mom who bought her first home in 2025 after bankruptcy), David unpacks the myths that scare buyers into renting for far too long. He explains the strategies that let you save and pay down debt at the same time, and why the rising age of first-time buyers — now at a shocking 41 years old — is proof that misinformation is keeping people trapped.If you're stuck renting because you think your debt or small savings disqualify you, this episode is your wake-up call. Homeownership is possible sooner than you think — if you know the facts. Quote: “You don't need a big down payment and no debt. Nope, nope, nope.” Highlights:The myth of needing zero debt before buying a home — busted.How to save for a down payment while paying down debt.Why waiting too long could cost you more in rising prices and rents.Rosie's real-life story: from bankruptcy in 2019 to buying in 2025.The shocking truth: average first-time buyer age has jumped to 41. References (If Applicable):186 - INTERVIEW: Buying a Home with 300K of Student Debt?305 - Debt Management: Homebuying 101 - Step 4233 - Interview With Stephanie Who Had 200K In Student Loans, And STILL Bought A Home!339 - Don't Get Pre-Qualified—Get a Plan (INTERVIEW)340 – Down Payment Assistance, Discovery Calls & Lending Myths (INTERVIEW)327 - From “Maybe Next Year” to Homeowner in 4 Months – Elizabeth's Story (INTERVIEW)330 - From Renter to Homeowner with a Home Business – Christina's Story (INTERVIEW)347 - She Fired Her Realtor—and Bought the Right Home in 3 Days (INTERVIEW)351 - How a Drama Teacher Bought a Home Solo (INTERVIEW)Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Rosie's journey proves that even if you start off alone, overwhelmed, or unsure, the right support can change everything. In this episode, you'll hear how one first-time buyer turned a rocky beginning into a smooth close by connecting with a trusted local expert — and how leaning into education, patience, and the right guidance helped her do what felt impossible. Rosie's journey wasn't smooth — it was full of the exact hurdles that make most first-time buyers give up. She started with a realtor who ghosted her, a process she didn't fully understand, and serious doubts about whether homeownership was even possible for her. But she didn't walk away. Instead, she regrouped. She reached out, asked for help, and found a unicorn agent who helped her rethink everything. Why is Rosie's story is so powerful? Because she did everything the way most people don't. She took her time. She built the team that actually worked for her. And when things got hard, she didn't rush — she kept going with clarity and purpose. This episode is a blueprint for anyone who feels like homeownership is out of reach but isn't ready to give up. Quote: "I'm super happy. I feel very grateful that I got connected to you and the team and all of that.” - Rosie You'll hear:How Rosie went from bankruptcy, student loans, and single motherhood to homeownershipWhat she did when her first realtor ghosted herHow a podcast shoutout led to a game-changing connectionWhy she mixed and matched her agent and lender to build the perfect teamHow patience and education helped her winWhat she'd do differently (and what she's glad she didn't change)The value of combining a reliable lender with a responsive local expertWhy communication and trust were more important than speed or convenienceConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Think buying a short-term rental is the fast track to homeownership? In this episode, David Sidoni unpacks the real math behind Airbnb investing — and why it might be the wrong move if you're still renting.With affordability at an all-time low, many first-time homebuyers are exploring creative ways to get into real estate. One trend gaining popularity: buying a short-term rental like an Airbnb in a cheaper market instead of purchasing a primary residence. But in this brutally honest episode, David Sidoni reveals why that plan could backfire.David breaks down the 2025 short-term rental landscape, explaining how increased competition, regulations, and declining profits have changed the game. More importantly, he highlights the financial risks renters take when they try to become investors before becoming homeowners.This episode dives into the math, the mindset, and the myths — showing you why owning your own home first is the smartest play. If you're tempted by Airbnb hype, you need to hear this before making a costly mistake.Quote: "The golden goose of Airbnb is losing its feathers and turning into a turkey super quick."Highlights:Why short-term rental investing isn't what it used to be in 2025The financial danger of skipping rent replacementHow tax laws, maintenance, and financing make STRs riskier than they lookA breakdown of real costs vs. projected incomeWhat first-time buyers should do instead of chasing Airbnb profitsConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

In this episode, David sits down with Bhavik and Suhani, a first-time buyer couple who beat the odds and bought a home in one of the most expensive markets in the country. They share the strategies that helped them overcome fears of high monthly payments and why getting clear on their goals changed everything. If you're stuck in the rent trap and terrified that buying will cost you thousands more per month, this episode is for you. Bhavik and Suhani didn't just guess or hope—they ran the numbers, educated themselves, and made confident decisions with the help of their unicorn real estate team.You'll hear how Suhani used open houses to learn what she actually wanted in a home, why Bhavik found peace of mind sitting down with a trusted agent, and how their mindset changed from overwhelmed to empowered. They even considered creative strategies like house hacking to make the math work.This story proves that even in high-cost areas, preparation and perspective can help you buy smart.Quote: "I just started going to open houses. That helped me figure out what I really wanted." - SuhaniHighlights:Why looking at homes early in the process helped Suhani clarify her prioritiesHow a trusted agent made complex steps feel manageable for BhavikWhat made them realize the extra $2,000/month was an investment, not a lossHow planning ahead gave them control instead of fearThe power of seeing real numbers, not assumptionsWhat house hacking looked like in their situationConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

In this final part of the Homebuyer Checklist series, David Sidoni covers crucial inspection tips, what to expect at closing, and the smart moves to make immediately after getting your keys. Learn how to protect your purchase and set yourself up for long-term success.Buying your first home isn't just about finding the right property — it's about navigating the process without costly missteps. In this episode, David Sidoni wraps up his three-part Homebuyer Checklist with an in-depth look at the final stages: inspections, closing, and the first steps of homeownership. You'll discover why having a vetted, experienced real estate team (“a unicorn”) from the start is the ultimate money-saver, and how to approach your inspection without overreacting to the inevitable list of issues. David also walks through the closing process, highlighting the importance of reviewing your Closing Disclosure, avoiding wire fraud, and confirming repairs during your final walkthrough. Finally, he outlines the essential actions to take right after you close, from changing the locks to filing for a homestead exemption. Whether you're weeks or years from buying, this checklist will keep you prepared and confident.Quote: “Every home inspection will find something wrong — the question is, does it matter to your safety or your budget?”Highlights:Could choosing your real estate team early be the key to saving thousands?What is the “Dad effect” during inspections — and how can you avoid it?How can you get the most out of your inspection?Which critical steps will protect you at closing?What should be on your post-closing to-do list as a new homeowner?Referenced Episodes332 – Home Inspections: What's Normal vs Red Flag? (110 Replay)348 – How Much Do You Really Need for Closing Day?198 - PMI Is a Privilege216 - PMI Is Still A Privilege And Still Not The Devil352 - Real Answers to the Most Asked Homebuying Questions (Part 1)259 - Why Zillow is a SCAM (Mostly)361 - 2025 Midyear & Market Update364 - REDO 237 – (High Rates, No Problem - Your First Time Home Buying Guide for 2024)301 - Introduction to Homebuying 101: Getting Started in 30 min302 - HOMEBUYING 101: Deciding Your Goals | STEP 1303 - HOMEBUYING 101: Choosing A Realtor & Lender | STEP 2304 - Improve Your Credit: Homebuying 101 - Step 3305 - Debt Management: Homebuying 101 - Step 4306 - Saving To Buy Your Home: Homebuying 101 - Step 5307 - Choosing House Must-Haves: Homebuying 101 - Step 6308 - DIY Education & Online Research: Homebuying 101 - Step 7 & 8309 - Stop Fearing Your Future Mortgage | STEP 9 | HOMEBUYING 101310 - HOMEBUYING 101: Understanding Today's Market | STEP 10Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

A rapid-fire guide to the next steps in your homebuying journey, from boosting your credit score to nailing negotiations and knowing exactly what to do after your offer is accepted. In Part 2 of the 2025 Ultimate Homebuying Checklist, David Sidoni delivers another round of actionable, must-know tips to help first-time homebuyers prepare for their purchase — even in today's stalled summer market. Building on Part 1 (Episode 373), this episode dives into five critical areas: credit score preparation, neighborhood sleuthing, loan and financing strategy, negotiation tactics, and your immediate to-dos after an offer is accepted. Learn how to check and improve your credit score, avoid common loan pitfalls, research neighborhoods beyond online listings, and negotiate for more than just price. David also outlines the crucial first moves to make post-offer so you can close with confidence. Whether your purchase is months or years away, this checklist will keep you focused and ready to act when the time is right. Quote: “Before you even dream shop on Zillow, start with your credit score.” Highlights:Why now is the perfect time to prepare for your future purchaseCredit score tips that can save you thousandsThe one site you should use to check your credit report weeklyNeighborhood research beyond online listingsLoan shopping myths and truthsHow to negotiate for more than just pricePost-offer steps to protect your deal Referenced Episodes: Credit3 – What Do You Need To Know About Credit8 – Quick Credit Tips For First Time Home Buyers61 – More FICO Fun - Some Good News, For Once, About Credit Scores - And More Credit Hacks!90 – Credit Repair For 300-669 - “Bad” Or “Fair” Credit Scores182 – Interview: From ZERO Credit Score to Homeowner199 – Boomer's Homes Were CHEAPER – Plus Credit Pull Myths!304 – Improve Your Credit: Homebuying 101 - Step 3349 – Credit Score Solutions for First-Time Buyers (INTERVIEW) Internet Tips for Home Shopping227 – Using The Internet To Research Your First Home New Homes vs. Resale279 – New Build vs Resale Houses for First Time Homebuyers Bidding Wars (3-episode series)175 – How to win in BIDDING WARS in the 2023 market176 – How to win in BIDDING WARS in 2023 – Part 2177 – How to win in BIDDING WARS in 2023 – Part 3 Market Updates361 – 2025 Midyear & Market Update364 – REDO 237 – (High Rates, No Problem - Your First Time Home Buying Guide for 2024) 10 Steps (301–310)301 – Introduction to Homebuying 101: Getting Started in 30 min302 – HOMEBUYING 101: Deciding Your Goals | STEP 1303 – HOMEBUYING 101: Choosing A Realtor & Lender | STEP 2304 – Improve Your Credit: Homebuying 101 - Step 3305 – Debt Management: Homebuying 101 - Step 4306 – Saving To Buy Your Home: Homebuying 101 - Step 5307 – Choosing House Must-Haves: Homebuying 101 - Step 6308 – DIY Education & Online Research: Homebuying 101 - Step 7 & 8309 – Stop Fearing Your Future Mortgage | STEP 9 | HOMEBUYING 101310 – HOMEBUYING 101: Understanding Today's Market | STEP 10 Loans & Mortgage Planning346 – How to Build the Perfect Mortgage Plan (Before You Apply)345 – Why You're Asking the WRONG Question About Interest Rates237 – High Rates, No Problem: Your First Time Home Buying Guide for 2024339 – Don't Get Pre-Qualified—Get a Plan (INTERVIEW)340 – Down Payment Assistance, Discovery Calls & Lending Myths (INTERVIEW)242 – 10 (MORE) Listener Questions ANSWERED: How to Buy Your First Home Pt 2250 – Down Payment Assistance is BACK (Save Major $$$ Buying a House) Real Questions for 2025 (7-part series: 352–359)352 – Real Answers to the Most Asked Homebuying Questions (Part 1)353 – Real Answers Pt 2: Mortgage Myths, Interest Rates & Buying Timing354 – Real Answers Pt 3: PMI Panic, Bad Advice & David Unleashed355 – Real Answers Pt 4: Should I Rent or Buy in 2025?356 – Real Answers Pt. 5: What You Must Know Before Making Your First Offer357 – Real Answers Pt 6: How to Handle Homeownership Costs Without F

Renee and Tom spent 16 years renting before finally becoming homeowners. In this episode, they share how persistence, education, and the right team helped them turn skepticism into success.After 16 years in the same rental, Renee and Tom were told they had to move. For Tom, buying a home seemed impossible at 60, especially with some credit bruises. But Renee had a different vision. Known as the "Research Goddess," she dove into the How to Buy a Home podcast, learned the language of homebuying, and built a plan. They improved their credit, saved strategically, and connected with HBH-vetted Realtors James and Andy. To their surprise, the process was smoother and easier than expected. This episode is a testament to the power of preparation, the right guidance, and believing that homeownership is possible at any stage of life.Quote: "The biggest surprise was how easy and painless it was once we had the right team in place."Highlights:How a forced move pushed Renee and Tom to finally pursue buying.Overcoming credit challenges later in life.Why early education and research made all the difference.The importance of having the right real estate team.How the process turned out to be smoother than they ever imagined.Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Discover how a single mom in Long Island went from a decade of renting to owning her first home. This inspiring replay episode of HBH shares the story of perseverance, preparation, and the power of a trusted real estate team.In this replay of episode 265, David Sidoni sits down with Vayola, a single mother who never thought homeownership was possible in her expensive Long Island market. Determined to set an example for her teenage daughter, she reached out to the How to Buy a Home podcast, learned the steps, and put them into action. Vayola shares her top tips for first-time buyers: trust your "unicorn" real estate team, keep your funds liquid and ready to move, and never settle until you find the right home. Her journey proves that with the right preparation and guidance, even the most daunting housing markets can be navigated successfully.Quote: "Trust your unicorn team. They know what they're doing. You're in good hands." - VayolaHighlights:Why trusting a vetted real estate team is critical for first-time buyersHow to keep your funds accessible for a fast-moving marketThe importance of patience and not settling for the wrong homeTurning homeownership into a lasting legacy for your familyAction steps to prepare before your offer is acceptedReferenced Episodes104 – Interview With A Single, Female First-Time Home Buyer Who Closed In 2022, Trying Since 2019109 - Brian and Diana - 4 months, From Wondering About Buying their 1st home to Getting the Keys116 - Interview With First-Time Home Buyers Whose Rent Went Up 90% In One Year BAILED On Renting!128 - First Time Buyer Couple Interview - Making The Move From Apartment To Condo129 – Interview With A First Time Home Buyer Who Bought WITHOUT Two Years Of Employment167 - Interview: Buying a $300K Home With Only $18k? Yes!169 - Woman Power: This Single Woman Bought Her First Home189 - INTERVIEW - VA Loans: Bad for Buyers or a Christmas Miracle?217 - Interview With Millie - How To Buy Your First Home Before Turning 30Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

rapid-fire guide for first-time homebuyers covering the four pillars of buying a home: shopping, financing, negotiating, and inspections. These battle-tested tips will help you shop smarter, secure better financing, negotiate stronger offers, and protect yourself during inspections.Synopsis: In this episode, David Sidoni delivers a fast-paced, no-fluff cheat sheet for first-time homebuyers who want to cut through confusion and act with confidence. Whether you're just starting your home search or preparing to write an offer, this guide covers:Shopping: How to research neighborhoods like a pro, bundle showings, and keep your top-three homes clear in your mind.Financing: Why pre-approval matters, how to choose a lender, and why the lowest online rate isn't always your best option.Negotiating: Winning strategies that go beyond price to include timing, contingencies, and seller needs.Inspections: The importance of showing up, asking questions, and knowing the difference between a deal-breaker and a fixable issue.With over 20 years of experience and countless real-world success stories, David packs this episode with actionable tips you can use right now. For deeper dives into each topic, the show notes include links to past episodes that explore each stage in detail.Quote: "The highest offer doesn't always win. The right terms, timing, and certainty can beat price every time."Highlights:Research neighborhoods with crime maps, public records, and on-the-ground visits at different times of day.Keep a top-three list of favorite homes to avoid decision fatigue.Get pre-approved before shopping to know your real budget.Work with a lender who explains your options clearly.Negotiate with terms and flexibility, not just price.Attend your inspection and use findings strategically.Referenced Episodes:227 – Using The Internet To Research Your First Home279 - New Build vs Resale Houses for First Time Homebuyers175 - How to win in BIDDING WARS in the 2023 market (Part 1 of 3)361 - 2025 Midyear & Market Update364 - REDO 237 – (High Rates, No Problem - Your First Time Home Buying Guide for 2024)301 - Introduction to Homebuying 101: Getting Started in 30 min346 - How to Build the Perfect Mortgage Plan (Before You Apply)345 – Why You're Asking the WRONG Question About Interest Rates242 - 10 (MORE) Listener Questions ANSWERED: How to Buy Your First Home Pt 2250 - Down Payment Assistance is BACK (Save Major $$$ Buying a House)332 – Home Inspections: What's Normal vs Red Flag? (110 Replay)352 - Real Answers to the Most Asked Homebuying Questions (Part 1) (Part 1 of 7)Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

First-time buyers Brittany and Fred from Dallas, TX, prove you don't need 20% down to buy a home. With expert guidance from their unicorn realtor, they navigated a seller lease-back, chose a 3% down conventional loan, and moved into their dream home — all while raising their 7-month-old daughter.In this inspiring episode, David Sidoni chats with Brittany and Fred, a young family who just purchased their first home in Dallas. Their story busts one of the biggest myths in real estate: you don't need 20% down to buy. Starting out believing they had to save far more, they discovered better options through their unicorn realtor and trusted lender. With excellent credit scores, they secured a 3% down conventional loan, avoiding costly FHA fees. They also used a seller lease-back to sweeten their offer without raising the price, showing how flexibility on timing can be a winning strategy. This episode is a must-listen for any first-time buyer who thinks homeownership is out of reach.Quote: "You don't need 20% for a down payment. That was by far the biggest thing we learned." - FredHighlights:How Brittany and Fred went from renters to homeowners with a 7-month-old.The myth-busting truth about down payments for first-time buyers.Why a 3% conventional loan was better than FHA for their situation.How a seller lease-back can win you the house without raising your offer.The value of working with a unicorn realtor for strategic negotiation.Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Learn how to budget smarter, not harder, with proven strategies and the best budgeting apps for first-time buyers in 2025. From his in-depth research, David shares the top five budgeting apps tailored for home purchase planning in 2025, plus two bonus tools for spreadsheet lovers and detail-oriented planners. Along the way, he warns against predatory financial service companies and common app pitfalls that could cost you more in the long run.Quote: "A budget is a tool to afford more of what you love."Highlights:Why budgeting is about empowerment, not deprivation.How zero-based budgeting gives every dollar a job.The 50/30/20 rule as a starting point for intentional saving.Top 5 budgeting apps for first-time buyers in 2025.Why free budgeting apps often fall short.Predatory pitfalls to avoid when choosing financial tools.LINKS TO THE BEST BUDGETING APPS of 2025You Need a Budget - YNABMonarch MoneyQuicken SimplifyNerdwalletCopilotLunch MoneyReferenced Episodes:Episode 306 - Saving To Buy Your Home: Homebuying 101Episode 305 - Debt Management: Homebuying 101Episode 180 - Online Mortgage Calculators Are GARBAGE - Here's WhyEpisode 69 - Dave Ramsey Is Dead Wrong When It Comes To Buying Your First Home In 2022 And BeyondEpisode 106 - Dave Ramsey is Sometimes Right, but OH SO WRONG for First Time Home BuyersConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

What's the SEMOP—and Why Self-Employed Buyers Need It (Click the link to learn about a free consultation)If you're self-employed and planning to buy a home, understanding how lenders view your income can be a major hurdle. That's where the Self-Employed Mortgage Optimization Plan (SEMOP) comes in. Created by CPA Dan Mullen, SEMOP is designed to help entrepreneurs, freelancers, and independent contractors present their finances in a way that works with—not against—mortgage qualification standards. From strategic timing of deductions to optimizing income documentation, SEMOP gives self-employed buyers a clear roadmap to prepare for underwriting and boost their chances of loan approval. It's not a gimmick—it's guidance built for how the system actually works.Many first-time buyers assume a mortgage guarantees big tax breaks—but unless you itemize your deductions, those savings may never come.Are you self-employed? Want a free tax consultation from Dan the Tax Man? Visit this link to learn more about Dan's program and how to get a complimentary consultation.This episode brings on CPA Dan Mullen to break down the truth about tax benefits for homeowners. You'll learn who actually gets tax breaks, when they apply, how itemizing plays a role, and how to calculate them before you buy. From itemized deductions to the SALT cap, Dan and David explain what first-time buyers need to know—and what myths to ignore. They also share real-world examples of savings (or lack thereof) so you can plan your budget with real numbers.Quote: "You have to remember, not everybody gets the tax benefits of owning. That's just a myth." — Dan MullenHighlights:Who really qualifies for the mortgage interest deduction?What is the SALT deduction cap, and how does it affect buyers?Why some buyers may see no tax benefit after purchasingThe difference between escrow payments and tax deductionsHow to estimate your actual savings before making an offerShould You Rent or Buy? This Book Has the Math.Wondering whether homeownership really makes financial sense?Real Decisions: The Financial Impact of Renting and Owning by Brady Mullen and Dan Mullen, CPA, breaks down the real numbers behind one of life's biggest choices.They debunk common myths and reveal how taxes, inflation, and appreciation shape your long-term wealth—whether you're buying your first home or advising someone who is. Perfect for first-time buyers, financial professionals, and real estate agents alike.Grab the book on Amazon →Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Think you missed your chance to buy a home because you're over 40 and buying solo? Think again. In this episode, David Sidoni talks with Regina, a first-time buyer in her 40s who overcame relocation, job uncertainty, and years of doubt to become a homeowner in just two months. Her story is a masterclass in late-stage first-time homebuying—especially for single women ready to take the leap alone.David interviews Regina, a solo first-time buyer who closed on her home at age 47 after putting off the decision for nearly two decades. Regina shares how instability in her early career and several relocations—reflecting a broader trend of older millennials delaying homeownership due to economic and career uncertainty— kept her from committing to a home purchase. But after a pivotal conversation with a friend, she realized it was time to protect her finances and stop waiting.She stumbled upon the How to Buy a Home podcast through Reddit, binge-listened to the show, and realized she had already done much of the prep work—her credit was solid, her debt was paid off, and her income was stable. All she needed was a trusted team. That's when she connected with a unicorn realtor and closed within two months of reaching out.This episode highlights a growing trend of single women becoming homeowners later in life—now outpacing single men in first-time buying, according to recent How to Buy a Home data; and breaks down the emotional and practical steps that can make it possible—no matter your age or relationship status.Quote: "This was my last lease. And that's what I decided." —ReginaHighlights:Why Regina waited nearly 20 years to buy her first homeThe emotional trigger that turned her mindset aroundHow she found the podcast and used it to prep financiallyHer experience working with a unicorn realtorA powerful story of solo homeownership for older first-time buyersConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!