Podcast appearances and mentions of david sidoni

Whether your credit score is 520 or 790, this expert interview reveals the overlooked steps that can immediately improve your homebuying power. Credit scores remain one of the most confusing and fear-inducing hurdles for first-time homebuyers. In this special interview, credit expert Jeanne Kelly—known as “The Credit Genie”—returns to offer actionable insights that go far beyond generic internet advice. With over 25 years of experience and a deeply personal story of rebuilding from financial rock bottom, Jeanne explains exactly how buyers can take control of their credit, whether they're in recovery mode or already have strong scores. David and Jeanne break down myths, share real-life success strategies, and highlight the most surprising tips that even high-credit borrowers should know.Quote“I didn't answer the door once and the man was going to turn off my electric… That was my rock bottom. You sit there and say, ‘You gotta change things.'” – Jeanne KellyHighlightsWhy even buyers with “good” credit scores are missing opportunitiesThe most common credit myths that keep renters stuckJeanne's formula for rebuilding credit after major financial strugglesTips you won't find on Google—straight from a 25-year credit veteranWhat to do today if you're afraid your credit score will hold you backHow to recognize a real credit expert versus a scamEmotional and practical advice from someone who's been there—and made it throughConnect 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!

You've made it through the offers and inspections—now don't let closing day blindside you. Learn what to expect (and what can still go wrong) in the final stretch of buying your first home. If you're like most first-time buyers, you think you're in the clear once your offer is accepted. But the final 4 to 6 weeks—known as “closing”—are packed with surprises that can derail your timeline, your budget, and your sanity. In this myth-busting episode, David Sidoni explains why closing is rarely “set in stone,” and walks you through everything from shifting dates to last-minute costs. Designed specifically for buyers who crave control and clarity, this episode helps you anticipate the unpredictable, manage expectations, and stay grounded when it matters most.Quote“You can do everything right, but you are just one of dozens of different factors that determine if you close on time.”HighlightsWhy closing is a process, not a single day—and why that mattersHow even a signed contract doesn't guarantee your moving dateWhat “fluid” means in real estate and how it plays out during closingWhy your lender, escrow agent, and even the seller can throw wrenches into your plansHow to protect your peace of mind when the timeline gets shakyPractical advice for spreadsheet lovers and Type-A buyers who crave controlThe exact mindset that turns closing chaos into a manageable milestoneConnect 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!

When a failed inspection nearly derailed her plans, Ashley found a unicorn agent who helped her buy the right home in just 72 hours—right before Christmas. Ashley's first-time homebuying journey in New Jersey wasn't smooth—but it was transformational. After months of frustration, low inventory, and a realtor who didn't get it, she hit a wall: mold, rodents, and a roof issue revealed by a failed inspection. Instead of settling, Ashley walked away. With guidance from a unicorn agent she found through the HBH podcast, her fortunes changed fast. This episode breaks down the decisions, mindset shifts, and real-world lessons that helped her go from confusion to closing—with a signed contract just three days after finding the right home. A must-listen for anyone feeling stuck or unsure in their buying journey.Quote“We don't need you to fit the home—we need to find the home that fits you.” – Ashley's Unicorn RealtorHighlightsHow Ashley knew it was time to switch realtors—and what happened nextWhat a home inspection revealed that nearly trapped her in a money pitThe emotional shift from “can we do this?” to “we bought a house!”How unicorn agents empower first-time buyers to walk away from bad dealsWhy trusting the process (and yourself) is more powerful than market conditionsA play-by-play of how she found, bid on, and locked down her home in just three daysConnect 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 best lenders reveal why waiting to talk to a pro can cost you thousands—and how early planning unlocks smarter, cheaper options for your first home loan. In this episode, David Sidoni shares insights from 250 top first-time homebuyer lenders on what they wish buyers did months before applying for a mortgage. He explains why relying on Google or AI can backfire, and how professional advice early on can tailor your loan for better long-term outcomes. Real-life examples show how small strategic moves, like adjusting debt or rethinking a down payment, can drastically lower monthly costs. Whether you're a year out or just getting curious, this episode shows why it pays—literally—to start planning now.Quote“It's not just ‘can you get approved?'—it's are you in the best position possible with the loan structured around your full financial picture?”HighlightsWhat 250 mortgage pros say they wish clients did earlierThe massive mistake of waiting until you're “ready” to get pre-approvedWhy Google, webinars, and AI can't replace tailored financial adviceA real buyer example where paying off a car instead of boosting a down payment saved bigHow pre-planning transforms your buying power—not just your approval oddsThe difference between a cookie-cutter loan and a custom strategyWhy a free consult with a realtor-lender team could be your smartest first moveReferenced Episodes129 – Quasi: Bought out of college with the degree—proof you don't need 2 years.304 – Everything you need to know about credit.182 – Interview with a buyer who had a zero credit score and still bought a home.246 – Lease breaking: Why it shouldn't stop your buying plan.22, 58, 75, 113 – Using a 401K for your down payment.72, 199 – Myths about credit pulls.309 – Practice your mortgage payment before buying.69, 106 – Dave Ramsey episodes.198 – PMI is a privilege.216 – PMI is still a privilege—not the devil.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!

If you're hoping to buy a home in 2025, these four foundational steps will give you the strategy, support, and clarity you need to finally make it happen. Most first-time buyers don't get blocked by credit or income—they get stuck because they're guessing their way through the process. In this episode, David breaks down the four most important things you need to focus on right now to become a homeowner in 2025. From how to plan your offer timing to why your lender might be more important than your budget, this episode gives you a real roadmap—not just a motivation boost.Whether you're a renter trying to time the market or already saving and unsure what to do next, this is your starting line.Quote:“Don't worry about the interest rate right now. Just start planning like you're buying at 7%—and if it's better than that when you're ready, bonus.” — David SidoniHighlights:Why the market isn't crashing—and what to expect in 2025The four pillars every first-time buyer must lock in before they start shoppingHow to know the right time to act (even if your lease isn't up yet)Why rate watching and budget guessing are slowing you downHow your lender—not just your pre-approval—can make or break your offerWhat to do if your credit, savings, or timeline still feel offReferenced Episodes:Episode 94 – Real Estate Terms & DefinitionsEpisode 328 – 10 Real Action Steps for First-Time BuyersEpisode 341 – May 2025 Market UpdateEpisode 340 – Lending Strategy with Kelly CortConnect 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!

Three major market reports reveal a surprising shift toward buyer advantages like longer days on market, increased seller concessions, and rising inventory—here's what that means for your first home purchase in 2025. Housing affordability panic is everywhere—from headlines on CNN and CNBC to TikTok meltdowns and uninformed relatives offering bad advice. From TikTok meltdowns to uninformed relatives offering bad advice. In this episode, David Sidoni breaks down what's really happening using verified data, not hype. He reviews three major industry reports that show a slow but meaningful shift in the real estate market, and for once, it's good news for first-time buyers. Listeners will learn how to interpret current trends, why rent-replacement strategies still work, and how to tune out fear-based noise."We have three massive market reports and they're showing a big shift underway. And finally, it's in the favor of the home buyers." - DavidHighlightsWhat three major market reports say about buyer leverage in 2025Why affordability panic is often based on outdated or misinterpreted dataHow a rent-replacement strategy still makes financial sense in a high-rate worldWhat to ignore when your TikTok feed or Uncle Warren tells you it's a bad time to buyThe mindset shift that helps renters take control and start building wealthSigns the market is shifting: longer days on market, more seller concessions, and increased inventory in some regionsFeeling overwhelmed by market noise? Ready to see if a rent-replacement strategy could work for you? Start with our 10-step plan at Episode 301 or get personalized help at howtobuyahome.comConnect 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 can't buy a home on a modest income? This real-life story proves otherwise—and shows exactly how it's done. In this jaw-dropping interview, Jessica shares her transformation from living in a van to owning a $400K home in Portland—all on a combined household income of around $60,000. With six years of steady saving, grit, and guidance from the HBH system, she and her partner navigated setbacks (including a violent attack!) and overcame massive doubts to secure their dream home. This episode is a real-world reminder that your circumstances today don't define your homebuying potential tomorrow. Hear the full emotional ride, including how she convinced a hesitant partner and handled the search like a pro.Quote“I make sculptures for a living… I didn't think I was going to be able to buy a house, but I guess I did—because I'm sitting on the porch right now.” – JessicaHighlightsHow Jessica turned years of renting and low income into real homeownershipWhat she saved (and how long it took) to buy a $400K homeThe moment her skeptical partner became a full-on homebuying believerHow trauma and unexpected events pushed their timeline forwardWhat Jessica wanted in a home—and how she found it without settlingThe one tip she swears every low-income buyer should knowWhy mindset, not money, may be your biggest barrier to 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!

Struggling with student loans, self-employment, or just not knowing where to start? JT shares the top three things he wishes he'd done sooner to get closer to buying a home. This episode is hosted by JT, the Creative Director of How to Buy a Home—and an aspiring buyer himself. After editing over 100 episodes, he realized there were a few major steps he should've started years ago. Whether you're a renter with debt, inconsistent income, or no idea where to begin, JT walks you through how credit repair, savings automation, and practicing your payment can completely reshape your timeline.This is the perfect episode for anyone who's not quite ready to buy—but knows they want to be. JT's honesty and step-by-step reflection will resonate especially with:• Freelancers or self-employed buyers• Renters with debt or uneven income• Anyone overwhelmed by where to startIt's a deeply personal, no-fluff solo episode that captures the real mindset of a buyer-in-progress—offering both relatable struggles and practical next steps.Quote:“I didn't think this podcast was for someone like me. And after hundreds of episodes, I finally realized—maybe I can do this.” — JT, Episode 342Highlights:What's holding you back—credit score, debt, income type, or all three?How becoming an authorized user can boost your credit fastWhy automating savings—even in small amounts—creates long-term peace of mindHow “practicing your mortgage payment” builds confidence and creates optionsWhy starting these habits 6–12 months before you're “ready” changes everythingHow JT turned podcast lessons into an actual plan for future homeownershipReferenced Episodes:Episode 274 – JT's earlier homebuying mindsetEpisodes 301–310 – Starter Kit SeriesEpisode 303 – Credit, Debt & Financial PrepEpisodes 339–340 – Lender Strategy with Kelly CortEpisode 337 & 338 – How to Avoid Moving ScamsConnect 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!

Housing prices are rising, inventory's up, and rates won't crash—here's what that actually means if you're trying to buy your first home in May 2025. The market may feel like a mess, but underneath the whiplash headlines are trends you can actually plan around. This episode breaks down the latest data on home prices, supply, and mortgage rates—including insights from Florida, Wisconsin, and the East Coast—to help you figure out how to buy smart in May 2025. If you've been waiting for the perfect moment or for rates to drop, this episode shows why it's time to stop waiting and start planning.Quote:“Don't let [rates] be the thing that stops you from starting your plan. Just plan for 7%. Anything else is extra.” — David Sidoni, Episode 341Highlights:Why are headlines saying both “prices falling” and “prices rising”?What does four months of housing inventory really mean for you?Could rising inventory signal a shift toward a buyer's market?Are interest rates ever going back to 3%—or is 7% the new normal?How do regional stats (Florida, Wisconsin, East Coast) stack up?Why “price cuts” don't always mean bargains—and can still lead to bidding warsReferenced Episodes:Episode 94 – Real Estate GlossaryEpisode 251 – The Last Lease StrategyEpisodes 256–261, 286, 326 – Buying in High-Rate MarketsEpisodes 339–340 – Lending Strategy with Kelly CortConnect 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!

Stackable grants, strategy-based lending, and insider truths about mortgage math—this episode unpacks what really sets unicorn lenders apart in today's market. In part two of this masterclass with unicorn lender Kelly Cort, David and Kelly go deep on the real numbers behind down payment assistance, adjustable rate mortgages, lender-paid buy-downs, and PMI myths. Learn why pre-approvals aren't enough, how lenders can actually help you win bidding wars, and what it means to build a plan instead of chase a rate. From DTI math to offer letters and insurance shocks, this is the kind of lending guidance most first-time buyers never get.Quote:“You just loan yourself $35,000 for $44 bucks a month. Cheapest money you'll ever buy.” — Kelly Cort, Episode 340Highlights:What is down payment assistance—and can you use it even if you have 20% down?How does stacking assistance programs work—and what are the tradeoffs?Why does Kelly personally call the listing agent to help your offer stand out?How can your lender strategy beat a higher competing offer in a bidding war?What's the real difference between a 6.5% rate and a “clickbait” 5.5% rate?Can you buy a home with just an offer letter for a job you haven't started yet?Why is PMI sometimes the smartest move—and how low can it actually go?Referenced Episodes:Episode 19 – Financial Prep for HomeownershipEpisode 94 – Real Estate Terms & DefinitionsEpisode 328 – 10 Real Action Steps for First-Time BuyersEpisode 339 – Part 1 with Kelly CortConnect 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!

Forget pre-quals and online rate shopping—this episode breaks down why discovery calls, custom strategies, and unicorn lender relationships are the real keys to homebuying success. In this first of a two-part conversation, David interviews unicorn lender Kelly Cort, who shares the most misunderstood truths about home loans—and how first-time buyers can stop wasting time online and start building a real plan. From rules vs. guidelines, to buying with debt, and even how your W-4 and tax strategy can raise your monthly affordability, this episode is packed with insight that could save buyers thousands.Whether you're afraid to “bother” a lender or just not sure when to start, this episode shows why early outreach and human strategy beat bots every time.Quote:“It's not a bother. It's a privilege. Allow us to be your guide in the journey.” — Kelly Cort, Episode 339Highlights:What's the difference between a pre-qualification and a discovery call?Why do so many buyers wait too long to talk to a lender—and how does it hurt them?What's the real difference between a loan rule and a guideline—and how can it change your approval?Can you buy a home even with student debt or loans in forbearance?How can adjusting your W-4 and tax strategy increase your monthly affordability?Why do unicorn lenders view helping you early as an honor, not a hassle?Referenced Episodes:Episode 19 – Financial Prep for HomeownershipEpisode 94 – Real Estate Terms & DefinitionsEpisode 328 – 10 Real Action Steps for 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!

Alex and Tamara faced a long, complicated homebuying journey with unexpected setbacks—but their persistence finally led them to homeownership. Alex and Tamara's path to owning their first home was full of surprises, setbacks, and last-minute hurdles—from inspection shockers and budgeting surprises to navigating mortgage complexities. Despite numerous pitfalls and a challenging out-of-state move, their determination and flexibility paid off. They share candid insights about staying motivated, working with a unicorn realtor and lender, and how overcoming challenges ultimately made their journey even more rewarding.Quote:“We got the clear-to-close email… I was like, ‘Wait, is this real? Is this actually happening?' That was the moment when it finally felt real.” — TamaraHighlights:How do you keep going when your homebuying journey keeps hitting unexpected roadblocks?What pitfalls did Alex and Tamara face—and how did they overcome each one?Why did inspection issues almost derail their home purchase?What budget surprises caught them off guard, and how did they adapt?How did finding the right unicorn realtor change their entire experience?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!

Lately, it feels like everyone’s saying Australia is just a few steps behind the U.S. when it comes to real estate; especially with buyer’s agents. But I’ve always wondered… is that actually a good thing? In this episode, we're joined again by David Sidoni, host of the How to Buy a Home podcast, and we pull back the curtain on how real estate really works in the U.S. We talk about agent commissions, who pays who, what the buyer’s agent actually does, and how a recent $5 billion lawsuit is turning the whole system on its head. David explains why the traditional model of sellers paying both agents’ fees is being challenged, and what that means now that buyers might have to start footing the bill themselves. We also get into the wild west of agent licensing, what it takes (or doesn’t take) to become an agent in the States, and how portals like Zillow are trying to grab their piece of the pie, often at the buyer’s expense. It’s a fascinating look at a system that’s often pitched to us as “better,” when in reality… it’s a bit of a mess. If you’ve ever been told that Australia should follow the U.S. model, this conversation might have you rethinking that entirely. Episode Highlights: 00:00 - Introduction 01:13 - Who is David Sidoni? 02:00 - The basics: How real estate deals actually work in the U.S. 05:37 - Do you really need a buyer’s agent in America? 06:51 - Can one agent represent both buyer and seller? 07:37 - If you skip a buyer’s agent, should you get a discount? 10:01 - Are buyer’s agents steering clients based on commission? 14:05 - Are buyer’s agents advocates or just dealmakers? 16:14 - Why are there so many real estate agents in the U.S.? 19:16 - Are U.S. buyer’s agents door openers or true advisors? 22:26 - Zillow exposed: Are you really talking to the right agent? 23:55 - How to find a genuine buyer’s agent in a new city 24:03 - What’s the difference between a listing agent and a buyer’s agent? 27:21 - The lawsuit that shook U.S. Real estate: What really happened 44:58 - How mortgage approvals and property valuations work in the U.S. 49:03 - Does America really do property auctions? 53:12 - Interest rates, refinancing, and the ‘locked-in’ homeowner crisis 58:05 - Are first-time buyers stuck on the first rung of the property ladder? 58:34 - David Sidoni's property dumbo About Our Guest: David Sidoni is a real estate expert and host of the How to Buy a Home podcast, where he helps first-time buyers navigate the confusing world of property with clear, practical advice. With nearly two decades of experience and over 1.7 million podcast downloads, David is known for breaking down complex real estate concepts and advocating for buyers who often feel overwhelmed or overlooked. His mission is to empower everyday people with the knowledge and confidence to make smart home-buying decisions without the industry jargon or pressure. Connect with David Sidoni: LinkedIn https://www.linkedin.com/in/davidsidoni Instagram https://www.instagram.com/howtobuyahomepodcast/ Website https://howtobuyahome.com/ Resources: Visit our website https://www.theelephantintheroom.com.au If you have any questions or would like to be featured on our show, contact us at: The Elephant in the Room Property Podcast - questions@theelephantintheroom.com.au Looking for a Sydney Buyers Agent? https://www.gooddeeds.com.au Work with Veronica: https://www.veronicamorgan.com.au Looking for a Mortgage Broker? https://www.alcove.au Work with Chris: chrisbates@alcove.au Enjoyed the podcast? Don't miss out on what's yet to come! Hit that subscription button, spread the word and join us for more insightful discussions in real estate. Your journey starts now! Subscribe on YouTube: https://www.youtube.com/@theelephantintheroom-podcast Subscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/the-elephant-in-the-room-property-podcast/id1384822719 Subscribe on Spotify: https://open.spotify.com/show/3Ge1626dgnmK0RyKPcXjP0?si=26cde394fa854765 See omnystudio.com/listener for privacy information.

Behind the boxes and bubble wrap lurks a $2.2 million criminal industry—and this episode dives into the chilling real-life story of a moving scam and the five red flags every first-time buyer must know. It sounds like a crime show plot: a young woman hires a moving company, only to be threatened with her belongings being dumped in the Arizona desert unless she wires thousands more. But this isn't fiction. Mariette Frye, moving expert and victim-turned-advocate, returns to reveal the dark underworld of moving scams—from burner phones and fake paperwork to stolen heirlooms and hijacked semis. First-time buyers will learn exactly how these crimes work and what they can do to protect themselves from becoming the next victims."You're going to need to wire us $3,000 more, or we're going to drop your stuff off in Yuma, Arizona at the weigh station."​ - Mariette's Moving True Crime Story (It involves the FBI)HighlightsHow Mariette's cross-country move turned into an extortion attempt—and how a federal agent stepped in.The single biggest red flag that you're dealing with a scam: a quote that seems too cheap to be real.Why using broker sites can expose your personal info to scam networks—and what to do instead.How to verify a mover's legitimacy using a federal mover database the scammers hope you don't find.What to do on moving day: photographing license plates, getting DOT numbers, and taking selfies for protection.The disturbing truth behind shared moving trucks, missing valuables, and staged box repacking.When to call the police and file a federal claim—and how to create a paper trail scammers can't outrun.Referenced Episodes / ResourcesEpisode 94 – Real Estate Terms & DefinitionsEpisode 301 – 10 Basic Steps for First-Time BuyersProtectYourMove.gov – Federal Motor Carrier Safety Administration's official database for vetting movers.Mariette FryeWebsite: DecidingToMove.comPodcast: Moving Tips and Tricks for People Considering a RelocationSocial: @mariettesonthemove on all platformsConnect 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!

Moving is one of the most stressful parts of homebuying—so before you decide to relocate for affordability, remote work, or a dream lifestyle, this episode helps you figure out if you're really ready. David sits down with Mariette Frye, host of the Moving Tips & Tricks podcast, who has moved 20 times in 24 years and developed a practical and emotional framework to help people plan better moves. From financial prep to emotional readiness and community-building tips, this episode is all about knowing what to do before you commit to a new city or neighborhood—especially if you're planning to rent first, test out a market, or buy remotely.Whether you're dreaming of New York, San Diego, or just moving two zip codes over, this episode helps you get clear on how to test your dream before making a major life transition.Quote:“You have to grieve your old home and your old life—because once you move, it's a complete reset. Whether you're ready for it or not, it's coming for you.” — Mariette FryeHighlights:How do you know if you're actually ready to relocate—or just reacting to burnout, grief, or frustration?What is the FRED framework? A 4-part system to evaluate your next city using lifestyle filters, not just affordability.Can you test-drive a city before committing? Why short-term rentals, online communities, and “proof-of-concept” visits matter more than a Zillow search.Why renting in a luxury building might backfire if your long-term plan is to buy affordably in the same area.Referenced Resources:Mariette's podcast: Moving Tips & TricksDecidingToMove.com – Mariette's workbook and relocation planning toolConnect 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!

VA loan myths, self-employment hurdles, and relocating with a toddler—Jessica's story proves that even with obstacles, a smart plan and the right team make homeownership possible. Jessica is a military spouse, a self-employed business owner, and a mom—three factors that many people assume make buying a home impossible. In this episode, she shares exactly how she proved them all wrong. With a VA loan, a “unicorn” real estate team, and months of early preparation, she bought a home in a dream neighborhood—even after losing out on an earlier offer.This interview is packed with hard-earned wisdom about organizing documents for underwriting, dealing with VA misconceptions, and navigating the emotional ups and downs of buying as a military family with limited local support. Whether you're active duty, self-employed, or just trying to figure out how to make homeownership work in tough circumstances, Jessica's story shows it can be done—and why it's worth it.Quote:“It's like a light in the dark—out of nowhere, you suddenly have a lantern. And you've been walking around with a match.” — Jessica, Episode 335Highlights:Can you buy a home using a VA loan with no down payment—and still get taken seriously by sellers?What steps can self-employed buyers take to prep their tax returns for mortgage approval?What makes a “unicorn” real estate team essential for military families relocating?How did buying a fixer-upper in a dream neighborhood become a better long-term win than a renovated home?Why do VA loans come with extra scrutiny—and how can buyers get ahead of it?How does a toddler, a septic tank, and a $1964 stove all fit into a successful first home story?Why starting early—12–24 months before your move—is the real game changer for military familiesConnect 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!

Stock market swings, Fed pivots, and tariff chaos all hit in April—here's how it's really impacting mortgage rates, builder incentives, and your buying plan. A surprise tariff announcement in early April caused the largest single-day stock drop since 2022—but does that mean the housing market is crashing? Not even close. In this episode, you'll hear how trade turmoil, media panic, and rate fluctuations connect to real first-time buyer decisions.David explains how April's brief rate dip created new affordability windows, what the Fed's shifting tone means, and why fear-based headlines often create quiet openings for strategic buyers. He also calls out rising builder incentives, condo deals, and ways to stay ahead when everyone else hits pause.Quote:“Use the public panic to your advantage. You know more than most people do. Yeah, you do.” — David Sidoni Highlights:Why did April's tariffs trigger a 12% market drop—and what does it really mean for rates?Could builder costs rise in 2025 due to materials and trade impacts?How April's 1%+ mortgage rate swing changed monthly payments for buyers.Is buyer fear creating stealth deals in the condo market right now?What role is the Fed playing—and why their next move matters for your timeline.How to prepare—not pause—when uncertainty hits the market.Referenced Episodes:Episode 94 – Real Estate Terms & DefinitionsEpisode 198 & 216 – PMI StrategyEpisode 301–310 – The 10-Step First-Time Buyer PlanEpisode 326 – Assumable MortgagesEpisode 328 – 10 Real Action Steps for 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!

In just two months, Conan went from renting in Michigan to owning a condo in Chicago—with a unicorn team, 5% down, and a plan built around his daughter and his goals. Buying from out of state? Recently divorced? Facing a competitive market? Conan tackled all of that and more—without overbidding, overpaying, or compromising on what mattered. After losing a few bidding wars, Conan pivoted to a fixer-upper, used his strong credit to keep PMI low, and leaned on his unicorn team for everything from FaceTime home tours to mold remediation negotiations.This is a story of speed, strategy, and smart choices, with takeaways for buyers who need to move fast, stay flexible, and win in today's market.Quote:“Even after going through a divorce and a money drain, I was still able to buy a home three months later. That just shows—anyone can do this.” — ConanHighlights:How did a divorced dad living out of state buy a home in 60 days?Can 5% down with PMI really be smarter than putting 20% down?What made Conan pivot back to a fixer-upper—and why it paid off.Why FaceTime tours and a “no-pressure” realtor changed everything.What's it like to buy in a Chicago bidding war bloodbath—and still come out ahead?How did his unicorn team negotiate mold remediation and pest cleanup before closing?What makes condo living with a low HOA fee a smart first step toward ownership?Referenced Episodes:Episode 94 – Real Estate Terms & DefinitionsEpisodes 175–177 – How to Win a Bidding WarEpisode 328 – 10 Real Action Steps for First-Time BuyersEpisode 330 – From Renter to Homeowner With a Home BusinessConnect 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 home inspection process is one of the most intimidating parts of buying your first home. That's why this episode, originally aired as Episode 110, has been updated with critical 2025 insights on smart homes, solar panels, attic access, and more.David explains why inspections feel overwhelming (spoiler: they're supposed to), what your general inspector actually does, and how to spot real red flags vs. normal wear and tear. Learn why a sewer scope is worth every penny, how inspections affect negotiations, and how to turn your report into a personalized to-do list instead of a panic attack.Quote:“The inspection is not a pass/fail test—it's a to-do list. And it could be your best negotiation tool if you know how to use it.” — David SidoniHighlights: 1. Why does your inspection report make it feel like your home is falling apart? 2. What's the difference between cosmetic issues and safety hazards? 3. How can a $250 sewer scope save you from an $8,000 sinkhole? 4. Do inspectors check attics, electrical panels, and smart home systems? (They should!) 5. What does “working condition” really mean—and why sellers love that term? 6. Should you ever waive your inspection in a competitive market? 7. How do you turn a scary inspection into a smart homeowner checklist?Referenced Episodes: • Episode 94 – Real Estate Terms & Definitions • Episode 328 – 10 Real Action Steps for 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!

In this episode I talk with David Sidoni, the founder of HowToBuyAHome.com. David took his passion for educating first-time homebuyers and turned it into a digital-first brand and thriving business, built almost entirely from a podcast. This episode is full of lessons on niche marketing, the power of organic content, and how to build trust through education. If you're trying to grow your brand, connect with your audience, or use content to drive your business forward, David's story will inspire and guide you.Guest LinksHowToBuyAHome.comHow to Buy a Home PodcastConnect with David on LinkedInLearn More: Buy Digital Threads: https://nealschaffer.com/digitalthreadsamazon Buy Maximizing LinkedIn for Business Growth: https://nealschaffer.com/maximizinglinkedinamazon Join My Digital First Mastermind: https://nealschaffer.com/membership/ Learn about My Fractional CMO Consulting Services: https://nealschaffer.com/cmo Download My Free Ebooks Here: https://nealschaffer.com/books/ Subscribe to my YouTube Channel: https://youtube.com/nealschaffer All My Podcast Show Notes: https://podcast.nealschaffer.com

In this timely April 2025 market update, David Sidoni unpacks rate drops, rising inventory, and why some condos are suddenly less affordable—even as their prices fall. The latest housing market data is in, and David breaks it all down so first-time buyers can cut through the headlines and plan smarter. In this episode, you'll learn how a 10% stock market correction and tariff policies may be helping mortgage rates fall—and what that means for your buying timeline.David also dives into surprising shifts in the condo market, with record-high HOA fees and insurance spikes making some of the most “affordable” homes trickier than they seem. Plus, he covers regional buyer wins, like opportunities in cities such as Omaha and Charleston, and revisits the #1 thing still driving home prices: low inventory.Quote:“It's not how to buy a home next week. It's how to plan to buy a home in six months—or even 18 to 24 months from now.” — David SidoniHighlights: 1. What do stock market volatility and global tariffs have to do with your mortgage rate? 2. Could rate cuts be coming sooner than expected—and how should buyers prepare? 3. Are bidding wars finally dying out, or is that just national data masking local reality? 4. Why are condos selling below list—but still becoming less affordable for many buyers? 5. What's really included in your monthly payment—and how can rising HOA and insurance fees change the math? 6. Which cities are quietly winning for renters ready to make a move in 2025? 7. Is now the time to buy—or the time to start building your plan before the rush?Referenced Episodes: • Episode 326 – Assumable Mortgages • Episode 272 – How to Use the Podcast Library • Episodes 175–177 – Winning a Bidding War • Episode 94 – Real Estate Terms & Definitions • Episode 328 – 10 Real Action Steps for 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!

After nine years of renting and years of casual house-hunting, Christina thought she wasn't ready to buy—but just three months after getting a unicorn team, she was closing on her dream home. Christina left Brooklyn for Cleveland thinking homeownership was still a year or two away. But once she connected with David and got matched with a unicorn realtor, the process moved fast—and worked. She bought a fixer-upper that fit her personal and professional life, avoided bidding wars, and gained instant equity at closing. With guidance, family support, and smart planning, she made the jump from renting to owning on her own terms.Quote:“I needed a space where I could run my business from home without customers walking through my whole house.” — ChristinaHighlights: • What happens when you go from renting for 9 years to closing in 3 months? • Could a fixer-upper be your smartest option in a competitive market? • What if you're self-employed—can a partner's income really carry the loan? • Is “pre-inheritance” the key to affording a down payment in your 30s? • How can an appraisal surprise help you gain equity instantly? • Why is a sewer scope one of the most underrated steps in homebuying? • Can you really run a business from home without sacrificing privacy? • What's the deal with delaying your first mortgage payment—and how can that help?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 more than a replay—it's a full-circle moment. Back in Episode 244, David answered a listener's in-depth questions about down payments, credit scores, and monthly payments. Now, in Episode 329, you'll hear the amazing follow-up—how that same listener used the advice to buy a $650K home, win a bidding war, and walk away with a smarter mortgage strategy than most pros could dream up.This episode revisits a real listener journey that began with an email and turned into a personalized coaching moment in Episode 244. Now, months later, they're homeowners—with $90 PMI instead of 20% down, $100K in reserves still invested, and a clear plan to keep building wealth.From credit moves to appraisal gap strategies, from picking the right lender to planning for a second property down the road, this episode proves that when you stop Googling and start planning, you unlock real results.Quote:“Although we had over 20% to put down, we ended up just putting 5% down because the PMI was only $90 per month. We decided to keep our money in investments and watch it grow.” — Listener featured in Episode 329Highlights: • How a first-time buyer used Episode 244's coaching to win a bidding war • Why they chose terms over rate when picking a lender • Locked in at 6.3% after starting at 7.25%—and how timing made the difference • Why they kept 20% in investments instead of using it for a down payment • $90/month PMI that helped them stay liquid—and why that strategy matters • How her 720 credit score got fixed in just months • Planning ahead: Why she stayed off the loan to possibly buy a second property laterReferenced Episodes: • Episode 244 – Details Matter: On-Air Coaching With a Real Listener • Episodes 175–177 – How to Win a Bidding War • Episode 198 & 216 – Using PMI StrategicallyConnect 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!

If you're tired of feeling stuck, this is the episode that gets you unstuck. David lays out a step-by-step action plan—from boosting your credit and automating savings to leveraging AI, understanding taxes, assumable mortgages, and more. No generic advice here. These are real moves first-time buyers can make today to start building momentum, no matter your timeline or income. Plus, David exposes a new wave of shady “cash back” apps and explains how they work—so you don't get trapped by fake perks and unvetted agents.Quote:“Research is great, but passive learning can stunt your growth. It's time for action.” — David Sidoni, Episode 328Highlights: 1. Leverage AI tools like ChatGPT to research terms, markets, and neighborhoods. 2. Report rent payments to boost your credit—the right way, with professional guidance. 3. Automate your savings and treat it like a non-negotiable bill. 4. Understand homeownership tax benefits that can improve your take-home pay. 5. Explore assumable mortgages for access to 2–3% interest rates (listen to Episode 326). 6. Track your progress visually—thermometers on the fridge, kindergarten-style. 7. Create a parallel financial plan—save and pay down debt at the same time. 8. Consider rate buy-downs to lower your monthly payment (see Episode 262). 9. Fix your partner's credit score (without starting a fight). 10. Prep for bidding wars—and why being “ready” is more than just finances.BONUS WARNING: • Learn how “cashback” platforms like Gravy use shiny perks to lock you into unvetted agents and lenders who pay to be recommended. • Discover the truth behind those “free” savings—and why they may cost you tens of thousands more in the long run.Referenced Episodes: • Episode 94: Real Estate Terms and Definitions • Episode 251: Tracking Progress with Thermometers • Episode 262: Mortgage Rate Buy-Downs • Episode 300: Deep Dive on Credit Scores • Episodes 175–177: Bidding War Tactics • Episode 326: Assumable MortgagesConnect 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!

Elizabeth thought she was 12–18 months away from buying her first home. Just four months later, she and her partner Joseph were moving into a sun-filled home they love—for less than list price and with instant equity. This interview breaks down how it happened. After discovering the podcast on Spotify, Elizabeth reached out expecting to take it slow. But with the help of a unicorn lender, she uncovered investment assets she didn't know she could use, built a plan, and closed fast—without rushing.She shares how she and Joseph trusted their gut, prioritized layout and light over square footage, and used a job offer letter to qualify for their mortgage. Most importantly, she shows what's possible when buyers have the right team, real information, and support that puts their goals first.Quote:“This is our own place. We don't have to worry about other people… If there's problems, we're in control and we can deal with it ourselves.” — Elizabeth, Episode 327Highlights: 1. From savings to ownership in 4 months—how a plan made it happen fast. 2. They started with $3,100—and ended up putting 20% down by tapping into investment accounts. 3. Job offer letters work—how Joseph's future income helped them qualify. 4. The lender made all the difference—six meetings, full education, no pressure. 5. Bank vs. Unicorn Lender—why they ditched the lower rate for real service. 6. Appraisal surprise—they paid under list and the home appraised higher. 7. Light over size—why layout and natural light won over square footage.Referenced Episodes: • Episode 301 – Start of the 10-Step First-Time Homebuyer Starter 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!

Think low interest rates are gone? Not if you know where to look. In this game-changing episode, David Sidoni is joined by Ryan, aka The Assumable Guy, to break down assumable mortgages—a rare but powerful way first-time buyers could score a 2-3% interest rate in today's high-rate market.Assumable mortgages sound too good to be true—but they're real, and most agents don't even know how they work. David and Ryan explain how these loans let buyers take over a seller's low-interest mortgage, slashing monthly payments by hundreds. They cover the step-by-step process, how to find these deals, the challenges, and why this could be the ultimate first-time buyer hack—especially if you're willing to get creative with house hacking too.✅ Plus—specific instructions if you want help finding assumable mortgages in your area.Quote:“Not only will you pay, on average, $1,000 less a month in your mortgage, but you're going to spend $80,000 less in interest in just the first five years alone.” — Ryan, Episode 326Highlights: • What is an assumable mortgage? How it works—and how buyers benefit. • How to inherit a 2-3% interest rate—even when market rates are 7%+. • The truth about VA, FHA, and USDA loans—who can assume them and the biggest misconceptions. • What's the catch? Equity gaps, longer timelines, and lender roadblocks explained. • House hacking meets assumables—how Ryan used this strategy to build his real estate portfolio from $35K/year to financial freedom. • Down payment options—what happens if the seller has a lot of equity and how to finance the gap. • Why most realtors have no idea this strategy exists—and how a unicorn agent makes all the difference.Referenced Links & Resources: • Follow Ryan (The Assumable Guy) on Instagram: https://www.instagram.com/the.assumable.guy/ • TikTok: https://www.tiktok.com/@the.assumable.guy • Learn more about assumables and house hacking at TheAssumableGuy.comIMPORTANT – Get Local Assumable Mortgage Info:If you want specific assumable mortgage options in YOUR area, go to HowToBuyAHome.com and click Ask David. Tell him you want info on assumables, and he'll connect you with the right unicorn experts. 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!

Send us a textWhat if aligning your career with your passions could lead to success beyond your wildest dreams? In this captivating episode of Mindset Cafe, we sit down with David Sidoni, a dynamic force in the real estate world and a fervent advocate for first-time homebuyers. His fascinating journey from dancing with legends like Michael Jackson to becoming a trusted real estate advisor showcases the power of embracing change and following one's true calling. David shares how a pivotal moment, supported by his wife's encouragement, led him to create his highly successful podcast, "How to Buy a Home," aimed at empowering those entering the housing market for the first time.Discover actionable insights as David discusses the transformative impact of setting clear goals and tracking progress, whether you're navigating the real estate landscape or pursuing personal growth. With a deep commitment to educating first-time homebuyers, he sheds light on common industry pitfalls and the necessity of comprehensive preparation long before the purchase. Drawing parallels to the fitness industry, David emphasizes the importance of incremental progress and practical strategies for managing credit, debt, and savings. His mission is to equip listeners with the tools needed to achieve their homeownership dreams, challenging misconceptions and encouraging early, informed action.Explore the potential of podcasts as a dynamic learning tool, especially in fields like real estate where information gaps often exist. David's journey into the world of podcasting reveals the medium's unique ability to offer flexibility and accessibility, bridging crucial knowledge gaps. Through his extensive experience, he illustrates the importance of building brand awareness and engaging with listeners to ensure impactful and lasting connections. This episode is packed with valuable insights, from understanding the home-buying process to recognizing the possibilities of monetizing passions in our digital age, all while staying true to what brings you joy.https://howtobuyahome.com/Support the showThanks for listening & being part of the Mindset Cafe Community.----------------------------------------------Connect With Devan:https://www.devangonzalez.com/connect----------------------------------------------Follow On Instagram https://www.instagram.com/devan.gonzalez/https://www.instagram.com/mindsetcafepodcastLet me know what topics or questions you want covered so we can help you achieve your goals faster.----------------------------------------------P.S. If you're not already a part of the The Mindset Cafe Community Page I would love to have you be a part of the community, and spread your amazing knowledge. The page is to connect and network with other like minded people networking and furthering each other on our journeys!https://www.facebook.com/groups/themindsetcafe/

In this one-of-a-kind episode, David Sidoni sits down with Maya, a conversational AI chatbot designed for natural dialogue—not real estate advice. What happens when a general-purpose AI is asked to weigh in on one of life's biggest decisions—buying a home? David puts Maya to the test in this completely unscripted conversation to see what AI understands about the homebuying journey. Together, they explore renting vs. buying, the emotional connection to homeownership, what makes a great realtor, and the persistent myths that hold buyers back.Maya wasn't designed for homebuyers, but the conversation reveals just how far AI has come—and why understanding tech like this matters as the real estate world evolves.Quote:“You're a myth buster, a champion for the underdog, guiding them through the labyrinth of homeownership.” — Maya, Episode 325Highlights: • Can a general AI chatbot really discuss homebuying? • Renting vs. buying—Maya breaks down the emotional and financial sides. • What makes a great realtor? Maya nails the top 5 traits buyers need. • The 20% down payment myth—why it's still holding buyers back. • The rise of AI in real estate—what's helpful and what's risky. • Why first-time buyers are older than ever—and how misinformation delays them.Referenced Resources: • Learn more about Maya's AI technology from Sesame: https://www.sesame.com/research/crossing_the_uncanny_valley_of_voiceConnect 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 pulls back the curtain on what happens when a unicorn realtor, a killer team, and a well-prepared first-time buyer come together. David Sidoni is joined by Melissa and her realtor Alton to break down exactly how Melissa bought her first home—a $675K corner-unit condo—in a high-cost area without getting house poor. Buying in Southern California is tough—but Melissa, a first-time buyer and pharmacist, made it happen. In this episode, Melissa and Alton share how preparation, strategy, and the right team helped Melissa win a gorgeous, light-filled condo—with no bidding war and no major compromises. From dodging HOA disasters to insider tips on finding hidden value, this episode is packed with lessons for anyone buying in a competitive market.Quote:“This is my first home and I'm by myself. I didn't really have anybody I could talk to who understood real estate… So I think [Alton] kind of just helped guide me… explaining things, putting in terms that I would quickly understand… I needed somebody to kind of guide me and to do that. I didn't have anybody else like that.” — MelissaHighlights: • How Melissa's preparation and spreadsheets made the homebuying process fast and smooth. • The HOA disaster that saved her thousands—and how the right team caught it. • Why natural light, a corner unit, and safety were dealbreakers—and how she got it all. • The truth about physician loans—and why Melissa didn't need one. • How holiday buying season helped reduce competition and secure her dream home. • What happens when you go under contract, back out, and still win the right home. • The power of having a unicorn realtor who builds relationships and gets deals done.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!

In this special replay, David Sidoni dives into one of the most common first-time buyer questions—should you buy a home directly from the seller? Plus, the truth about Zillow's Zestimate and why relying on it could cost you thousands.Buying directly from a seller (For Sale By Owner / FSBO) sounds like a great way to score a deal—but is it? David breaks down the real risks of buying without representation and why FSBO deals often leave first-time buyers unprotected and overpaying. Plus, he exposes the shocking inaccuracy of Zillow's Zestimate, and what you should do instead if you want to make a smart offer.Quote:“The seller pays for your realtor. You shouldn't have to do this alone, especially because you can hire a pro for free.” – David SidoniHighlights: • Why most FSBO deals don't save you money—and often cost you more. • The real reason sellers skip listing on the open market (hint: it's not to give you a deal). • How Zillow's Zestimate is often off by thousands—straight from Zillow's own data. • What buyers miss out on without professional representation—and why it's risky. • Why timing the market wrong can cost you more than “overpaying” today. • How amortization works—and what you REALLY pay over the life of a loan. • Why owner financing might sound appealing—but often benefits the seller, not you.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 might seem out of reach, but are you closer than you think? In this episode, David Sidoni breaks down the five biggest questions every renter should ask before deciding if they're ready to stop renting and start building wealth. Most first-time buyers wait longer than they need to simply because they don't know where to start. David tackles the biggest myths about credit, savings, and affordability—plus, the simple mindset shift that could put homeownership in reach much sooner than expected.Quote:“Buying a home isn't something you do after years of renting. It's an option you should consider every time you move—because for thousands of first-time buyers, it's been way more doable than they ever imagined.” – David SidoniHighlights: 1. Am I even ready to buy? Why homeownership might be closer than you think. 2. What's the absolute minimum I need to qualify? (Credit, income, and debt-to-income ratio). 3. How much house can I afford? Why online calculators might be lying to you. 4. Are there programs that can help? Free money for first-time buyers. 5. How long does the homebuying process actually take? (Hint: It's probably shorter than you expect).Referenced Episodes: • Episode 301-310 – The 10-Step First-Time Homebuyer Starter Series. • Episode 239 – Isaiah's story: Buying a home for less than his rent.General Notes:Most renters don't know they're ready—until they take the first step. Even if you think you're years away, this episode helps you get real answers, not guesses, so you can take control of your future.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 in an expensive market seems impossible—but Sam and Kristen did it while planning a wedding. In this episode, they reveal how they saved, strategized, and won their dream home in Long Island—without being the highest bid. With $40,000 down and wedding expenses on the horizon, Sam and Kristen weren't sure homeownership was possible. After months of research, the right real estate team, and a few unexpected twists, they made it happen. They share why walking away from one deal saved them thousands, how they beat a higher offer, and the unexpected factor that helped them win their home.Quote: “We actually got outbid on this house… and the sellers still picked us. They saw us on the cameras, thought we were so cute, and wanted a nice couple to move in!” – SamHighlights: • How they saved for a home—while paying for a wedding. • Why walking away from their first house was the best decision. • How they won their home—without being the highest offer. • Why sellers sometimes choose buyers over money. • The power of working with the right real estate team. • How their dog Miles played a role in their home search.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!

Send us a textWhat do Broadway, Beverly Hills, and buying your first home have in common? David Sidoni. In this episode of Shine On Success, David shares his incredible journey from dancing with legends like Michael Jackson to becoming the go-to expert for first-time homebuyers. With a passion for education and a mission to change lives, David reveals how he went from the spotlight of Hollywood to the heart of real estate, guiding countless renters into homeownership.We talk about overcoming fear, the power of persistence, and why first-time buyers hold a special place in the industry. Plus, David shares why the real estate world has been failing first-time buyers for years—and how he's changing that. Whether you're an aspiring homeowner, a real estate agent, or just love a great transformation story, this episode is for you.Tune in and get inspired!Connect with David here:Website: https://howtobuyahome.com/Facebook: https://www.facebook.com/HowtoBuyaHomeGuy/Instagram: https://www.instagram.com/howtobuyahomepodcast/X: https://twitter.com/DavidSidoniConnect with Dionne Malush Instagram: @dionnerealtyonepgh LinkedIN: /in/dionnemalush Website: www.dionnemalush.com Facebook: /dmalush LinkTree: https://linktr.ee/dionnemalush

In one of California's most devastating wildfires, entire neighborhoods were lost. Sam and Claire, two sisters who lived through the disaster, share their story of survival, loss, and rebuilding. This powerful conversation highlights the strength of community, the importance of preparation, and the resilience needed to start over.The 2025 LA Wildfire changed lives in an instant, wiping out homes and displacing families overnight. Sam and Claire, both realtors and community leaders, lost nearly everything. In this emotional interview, they recount the chaos of evacuation, the heartbreak of losing their home, and the unexpected acts of kindness that helped them rebuild. Their story is a testament to the power of community, preparation, and perseverance in the face of tragedy.Quote: “The hardest part for me was the feeling of displacement… Not knowing where your children are going to sleep is indescribable.” – Claire, Episode 320Highlights: • The morning everything changed – How Sam and Claire went from a normal workday to losing everything in hours. • The emotional reality of losing a home – What displacement feels like and how families cope with uncertainty. • What happens when insurance isn't enough – The hard truths about coverage gaps and rebuilding after disaster. • Acts of kindness in crisis – How friends, strangers, and the community stepped up to help. • Lessons for homeowners and buyers – Why insurance matters more than you think and how to prepare for the unexpected. • Rebuilding, recovery, and resilience – What comes next for survivors and their communities.Referenced Resources: • California Fire Foundation – Providing relief and support to fire victimsConnect with me to find a trusted realtor in your area or to answer your critical 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!

David Sidoni breaks down one of the biggest misconceptions in homebuying—whether condos and townhomes are a bad investment. With affordability getting tighter, first-time buyers need to know why condos and townhomes can be smart stepping stones that help build wealth instead of throwing money away on rent. Is buying a condo or townhome a bad idea? Many first-time homebuyers believe they must buy a house to build wealth—but that myth is costing buyers hundreds of thousands of dollars. In this episode, David revisits this hot topic with new insights for 2024-2025 and explains how a rent replacement strategy can turn a condo or townhome into your first step toward long-term financial success.Quote:"There's tons of condo haters out there. But with the right guidance in an appreciating market—especially as things get more unaffordable—sometimes, using a rent replacement strategy to buy a condo means you can afford a home later and be hundreds of thousands of dollars ahead." – David SidoniHighlights:What's the real difference between a condo, townhome, and single-family home?Why do so many people wrongly assume condos aren't a good investment?The unexpected costs of owning a house that condos can help you avoid.How HOA fees actually replace major homeownership expenses.The “rent replacement strategy” – how to use a condo to fast-track your dream home.How a past guest turned a $197K condo into an $80K profit to buy her dream home.What buyers NEED to check before purchasing a condo or townhome.Referenced Episodes:Episode 238 – “The Sexy Episode” (A real buyer's success story with a condo purchase)Episode 154 – Important details about condo financing & HOA complexitiesConnect 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!

David Sidoni interviews Antonio, a self-proclaimed risk-averse first-time homebuyer who spent six years researching before deciding to buy. With the right strategy and team, Antonio went from planning to homeownership in just days—and he shares how research, preparation, and smart decisions helped him secure a home faster than he ever expected. After six years of Zillow searches and financial planning, Antonio still wasn't sure if he was ready to buy. But after finding How to Buy a Home and connecting with a trusted real estate team, he discovered that the homebuying process doesn't have to take forever—and that he was far more prepared than he thought. In this episode, Antonio shares the research strategies that gave him confidence, how he secured a better deal than expected, and the surprising ways a well-prepared buyer can gain an advantage over sellers. “I think it's said a lot on the podcast, but I don't think it can be stressed enough—finding a good realtor and starting that communication early absolutely made a huge difference.” – AntonioHighlights: • How six years of research led Antonio to fast-track his home purchase. • The biggest mistake first-time homebuyers make when researching online. • Why not all real estate advice applies to first-time buyers—beware of investor-focused content. • How Antonio went from months of planning to buying in days once he had the right team. • The surprising advantage he used to beat another buyer with a previous contract. • How he secured a home with only 10% down instead of waiting years for 20%. • The one negotiation tactic that saved him thousands on his home purchase.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!

David Sidoni sits down with Mark and Brian Mann, hosts of Raising Real Estate Standards, to discuss the current state of real estate, how the industry is shifting, and what first-time homebuyers need to know about working with the right professionals. In this episode, David welcomes Mark and Brian Mann, two seasoned real estate professionals dedicated to raising industry standards. They discuss why buyers should avoid “door openers” and seek real agents who prioritize long-term strategy over quick commissions. With real estate evolving, they break down how first-time homebuyers can protect themselves, why empathy and education matter, and what changes are reshaping the industry.Quote:“Do what you can to get into the market, because that first house is a catapult to a lot of options four, five, ten years down the road. The money you build in equity will give you and your family a lot of upward mobility that you will never get in just about any other investment.” – Mark MannHighlights: • Why real estate standards are falling – and how buyers can find true professionals. • The “door opener” vs. the real estate strategist – how to tell the difference. • What buyers should look for beyond price and interest rates. • Why first-time homebuyers should focus on long-term financial growth. • Are part-time agents disappearing? The future of real estate professionals. • What first-time buyers need to know about industry changes in 2025. • How the Mann brothers are pushing for better real estate service and transparency.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!

Mortgage rates are dropping, sellers are slashing prices, and pending home sales are hitting record lows. But what does it all mean for first-time homebuyers? In this episode, David dives into the latest housing market trends, breaking down what's happening with inventory, interest rates, and buyer demand. Should you wait, or is now still the right time to jump in? The answer may surprise you.Quote:“A recession sounds scary, but guess what? It could actually be great news for first-time homebuyers. Why? Because when the economy slows, mortgage rates tend to drop—and that's your opportunity to pounce.”Highlights:Is the market slowing down? Why pending home sales just hit a record low.Mortgage rates dipped—so what now? Are we in for a rate drop or more volatility?Sellers are cutting prices! What that means for you as a buyer.The “window of opportunity” might be staying open longer. How to take advantage before competition ramps up.Inventory is rising—but is it enough? The truth behind housing supply and what it means for affordability.Crash or correction? Why low inventory keeps home prices from collapsing.Two possible scenarios for 2025: A frozen market or a rate-driven buying frenzy—either way, buyers need to be prepared.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!

What if your first home could not only pay for itself but also set you up for future wealth? That's exactly what Chris did—buying a home at 20, collecting rent from his college roommates, and using real estate to skyrocket his credit, financial stability, and future businesses. In this episode, David Sidoni uncovers the strategies Chris used to turn his first home into a long-term investment, proving that homeownership isn't just possible—it's a game-changer.Quote“I didn't have a lot of credit, but getting a mortgage payment on my record completely boosted me—like bonkers.” — ChrisHighlights • What if buying a home was possible sooner than you thought? • Could your mortgage actually boost your credit? • Is renting really “safer”? • How can you buy with little to no money down? • Can you use your first home to buy another? • Are college rentals a hidden investment goldmine? • What's next for homebuyers 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!

BiggerPockets' Dave Meyer joins David Sidoni to bust myths about real estate, revealing strategies that make homeownership possible—even in expensive markets. Whether you're feeling stuck in the rent cycle, overwhelmed by mortgage jargon, or just unsure if buying is for you, this episode breaks it all down with simple, data-driven insights.Quote:“If you buy one rental every three to four years, you can set yourself up for financial freedom—without needing a thousand doors.” – Dave MeyerHighlights: • What if you could buy a home with just 3.5% down? Dave Meyer explains how FHA loans and other financing options can help you skip the 20% myth. • Is renting really better than buying? The truth about long-term wealth-building through real estate—and why time in the market beats timing the market. • Could house hacking make homeownership affordable? Discover how living in a multi-unit or renting out a room can slash your mortgage payments. • What's the biggest mistake first-time buyers make? Hint: It's not just about the down payment—it's about understanding appreciation, cash flow, and tax benefits. • Are you overestimating how many properties you need? Forget social media hype—owning just a few rentals can set you up for long-term financial success. • Do real estate “gurus” get it wrong? Dave calls out common misconceptions (looking at you, Grant Cardone and Robert Kiyosaki). • Is it too late to buy? Market cycles fluctuate, but historical data proves that real estate remains one of the most reliable ways to build wealth.Connect with me to find a trusted realtor in your area or to answer your burning questions!Visit BiggerPockets to learn more about the tools and resources Dave mentioned!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 housing market is freaking people out—but that's exactly why it might be your best shot to buy a home! Most buyers are too scared to jump in, but that hesitation means huge opportunities for first-time buyers who know where to look. In this episode, learn why 2025 could be the perfect time to buy, how to tap into free money for your down payment, and the biggest traps to avoid. If you're tired of feeling stuck, this is your wake-up call.Quote:“When you're prepared, you don't just jump on an opportunity—you jump in with options. And that's how you win.”Highlights: • Is now really the right time to buy? Why high inventory and low competition could be the best setup for first-time buyers in years. • Could you get up to $50K in free money? New down payment assistance programs might help you buy sooner than you thought. • Renting vs. Buying – The real math. Why your rent check might be keeping you stuck when you could be building wealth instead. • Homebuilders are getting desperate. How their need to sell could score you a lower interest rate, big incentives, and hidden discounts. • Most real estate agents aren't selling homes. What this means for you—and how to find an agent who actually knows what they're doing. • Beware of builder traps. The sneaky tricks new construction companies use to lock you in without proper representation.Referenced Episodes: • Episode 279 – Resale vs. New Homes: Which One's Right for You? • Episode 260 – How Patrick & Alex Got a Killer Deal on a New Build • Episode 256 – Jelly's Story: Builder Incentives, Big SavingsConnect 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!

Worried that an appraisal issue or a non-traditional career path (like still being a grad student) makes homeownership impossible? In this episode, David Sidoni chats with Declan and Bailey—new homeowners who once believed buying was “only for the rich”—to reveal how down payment assistance, flexible financing options, and the right support team can help first-time buyers find stability faster than they ever imagined.Quote:“I always thought buying a home was only for the super-rich, but here we are—homeowners with just 3% down!” - BaileyHighlights:What if you face an appraisal gap? Discover how Declan and Bailey kept their deal alive.Could you buy a home while juggling grad school and a new job? Hear how they made it work.Is it possible to qualify for down payment assistance without a huge nest egg?What if your “perfect home” appears before your lease is up? Learn to manage the overlap.Could you overcome the fear of surprise expenses? Find out how these first-timers budgeted wisely.Is this really “just for rich people”? Listen as Declan and Bailey prove otherwise.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!

Are you a first-time homebuyer feeling overwhelmed by the real estate market? You're not alone! This week on the podcast, we're sitting down with David Sidoni, the expert behind the How to Buy a Home podcast—an industry-leading resource with over 1.67 million downloads dedicated to helping renters become homeowners.After witnessing how the real estate industry failed first-time buyers, David made it his mission to empower and educate future homeowners. From avoiding costly mistakes to navigating financial hurdles, David breaks down the home-buying process in simple, actionable steps.

Is the window of opportunity for first-time homebuyers finally here? David Sidoni reveals why February 2025 presents a unique moment in the market, with increased inventory and less competition than seen in the past five years.Quote:"According to Zillow and their market Heat index, home buyers had more leverage than they've ever had in the past five years."Highlights:Is the "lock-in effect" finally breaking as homeowners abandon their 3% mortgages?Could less competition be creating your perfect moment, with listings up but sales down?What if you're actually ready to buy 8-20 months sooner than you think?How did nearly half of 2024's buyers secure rates under 5%?Are cities like Harrisburg and Rochester the hidden gems for first-time buyers in 2025?Referenced Episodes: FED RATE CUT 4- PART SERIESEpisode 266 - EMERGENCY - Surprise Fed Rate Cuts Change Everything! - Part 1Episode 267 - FED RATE CUT - Part 2Episode 268 - Post-Fed Rate Cut Reality & What Comes Next -Part 3Episode 269 - The Time is Now! 2024-25 Homebuying Interest Rate Forecast - Part 4Connect 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!

Ready for the final step in your homebuying journey? Step 10 reveals why even the most well-meaning advice from experienced homeowners could derail your 2025 house hunt - and shows you exactly where to find the current market insights you actually need.Quote: "Your best play is more time in the market, not trying to time the market." - David SidoniEpisode Highlights:What if everything you've heard about buying a home from friends and family is based on an entirely different market reality than today's?Could your dream of homeownership be closer than you think, especially with new 2025 down payment assistance programs?Is it possible that waiting for the "perfect time" to buy is actually costing you money in today's low-inventory market?What makes location, timing, and timing (not location, location, location) the true mantra for first-time homebuyers?How can you take advantage of current market conditions that change weekly, sometimes even daily?Could you be missing out on massive opportunities, like the new Southern California grant offering $20,000-$50,000 to first-time buyers?Referenced Episodes:Episode 164: The Chutes and Ladders EpisodeMultiple episodes on topics including:Down payment assistance programsHouse hackingFHA and VA loansSelf-employed buyer mythsDave Ramsey misconceptionsAnd many more in the podcast catalogConnect 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!

Worried about feeling house-poor after buying your first home? Learn how to practice homeownership before taking the plunge, removing anxiety from this life-changing purchase through smart preparation and mindset shifts.Quote: "You don't have to just dream about lavish things that you hope to have someday. We can freaking paint our someday, put it in a spreadsheet, and know exactly when it's going to happen."Highlights:What if the dreaded B-word (budget) isn't about deprivation, but a lifestyle change that lets you indulge guilt-free in your dream purchases?Could practicing your future mortgage payment while renting be the secret to never feeling house-poor?What if understanding that your home feels most expensive in just the first three years could change your entire perspective?How might switching from rising rents to a fixed mortgage payment transform your financial future?Could planning future gatherings in your new home - from karaoke nights to holiday parties - motivate you through the buying process?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!

Feeling lost in the sea of real estate jargon and online research? Episodes 7 and 8 of the ten essential steps reveal how to master real estate vocabulary and effectively use online resources without getting overwhelmed.Quote: "When you have the confidence in this material... fear, it'll dissolve away."Summary: David Sidoni breaks down two crucial steps: understanding real estate terminology and conducting smart online research. Rather than drowning in internet searches, he guides listeners to build knowledge alongside their professional team.Highlights:Did you know the difference between pre-qualified and pre-approved could make or break your home purchase?Could mastering real estate terms like "escrow" and "contingency" actually save you money?What if the best time to research neighborhoods isn't when you think it is?Is it possible to use online tools effectively without falling into common traps?How can you avoid the avalanche of spam from real estate websites while still benefiting from their resources?Referenced Episodes:Episode 94: Start of A-Z Terms & DefinitionsEpisode 10: Molly's Story (Homebuying While Pregnant)Episode 227: Complete Guide to Online ResearchConnect 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 picking out paint colors; it's about defining your version of home and creating a financial strategy that aligns with your life goals. This episode dives deep into setting personalized goals, both big-picture and actionable, to help you navigate the home-buying journey with confidence (and maybe even a few celebratory treats!).Quote: "Home is...we are writing the whole freaking manual together with all of your personal and financial short term, medium term, and long term goals."Highlights:What if your first home purchase could set you up for financial freedom decades down the line?Could understanding your long-term goals influence the type of home you buy now?Is it possible to enjoy the home-buying process and stay on track with your financial plan?What if you could leverage your first home to build wealth and achieve your dreams faster?Could mini-celebrations be the key to staying motivated and sane during the home-buying process?What if talking to a real estate professional could uncover home-buying insights you never considered?Is it possible to buy a home and still enjoy life along the way?Referenced Episodes: Episode 251 (Last Lease Ever)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 why your debt doesn't need to be zero to buy a home in 2025's economy. This episode demolishes common misconceptions about debt and homebuying, revealing how even those with significant student loans or credit card debt can still achieve homeownership.Quote"Your gross debt doesn't mean jack cheese for buying a home... Monthly payments, that's all that matters." - David SidoniEpisode HighlightsIs it possible to buy a home while still carrying student loan debt? How a doctor with $300,000 in student loans successfully purchased their first homeWhat if your monthly rent payment could become a mortgage payment instead? Understanding rent replacement strategy in today's economyCould you be working too hard to eliminate debt? Why focusing solely on debt reduction might cost you more in the long runIs your total debt really holding you back? How lenders actually view debt when approving mortgagesWhat's the difference between good debt, bad debt, and workable debt? A new framework for debt management while saving for a homeHave you been misled by outdated advice? Why traditional "debt-free first" approaches may not work in 2025's marketCould you balance debt payoff and down payment savings simultaneously? A modern approach to the "Big Three" - credit, debt, and savingsReferenced EpisodesEpisode 167: From High Debt to Homeowner in 10 WeeksEpisode 186: Buying with $300k in Student LoansEpisode 187: A PhD's Path to HomeownershipEpisode 251: Your Custom Home Buying PlanEpisode 262: Housing Affordability Crisis ExplainedEpisode 56: Creative Financing SolutionsConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeThis podcast was created for YOU - to cut through the confusion and empower you to buy your first home. Let's change how the real estate industry treats first-timers, one buyer at a time- starting with YOU!Visit 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 over 18 years 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!

Worried that past credit mistakes might keep you from buying a home? David breaks down how credit scores actually work for mortgages, sharing practical steps to improve your score and explaining why that forgotten $12 water bill from three apartments ago might be more important than you think. He also covers major changes coming in 2025 that could give millions of Americans a fresh start by removing medical debt from credit reports.Quote"Time with credit score is everything. The sooner you begin, the better your results. Don't bury your head in the sand—it's all fixable."Key HighlightsCould your rental payments actually boost your credit score? Discover how to leverage your biggest monthly payment to improve your creditworthinessWhat if you could "borrow" decades of credit history instantly? Learn about the authorized user "magic trick" that raised the host's score by 40 points in two weeksIs a 760 credit score the same as an 820 for home loans? Understand how mortgage lenders actually view your score in 20-point tiersWhy are you losing thousands by waiting to check your credit? The truth about hard pulls and why timing is crucialCould the 2025 medical debt removal boost your score by 20+ points? New regulations affecting $49 billion in medical debtReferenced EpisodesCredit Score Deep Dives: Episodes 3, 8, 56, 61, 64, 90, 199PMI Episodes: 198 ("PMI is a Privilege"), 216 ("PMI is a Privilege and Still Not the Devil")Credit Professional Interview: Episode 164Important Tips for First-Time BuyersStart Early: Credit improvements take 60-90 days to reflect. Begin working on your score 1-2 years before buying.Check Real Reports: Use AnnualCreditReport.com, not Credit Karma. Credit professionals have never seen a report without mistakes.Strategic Credit Use: Keep card utilization at 7% (not 0% or 100%) for optimal scores.Medical Debt Relief: New 2025 CFPB regulations remove $49 billion in medical debt from credit reports.Down Payment Strategy: Don't wait to save 20% if it means years of extra rent. A good credit score can make PMI more affordable.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 @HowToBuyAHomeThis podcast was created for YOU - to cut through the confusion and empower you to buy your first home. Let's change how the real estate industry treats first-timers, one buyer at a time- starting with YOU!Visit 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 over 18 years 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!