Podcasts about down payment assistance

Think owning a home will bring surprise expenses that wreck your budget? This episode breaks down exactly what you'll pay—and why it's not as scary as you've heard.Synopsis:In this myth-busting continuation of the 20 Most Frequently Asked Questions, David Sidoni tackles one of the biggest fears holding renters back: hidden costs. From rising property taxes and insurance to repairs and HOAs, David exposes the truth behind these so-called “surprises” and shows how proper planning makes them predictable. If you've been scared off by online horror stories or clickbait headlines, this episode gives you the clarity and confidence to stop renting and start planning. You'll walk away with real numbers, smart strategies, and a clear-eyed understanding of how homeownership costs actually work.Promise Delivered:You'll learn how to predict and plan for every cost of homeownership—so nothing feels “hidden” or unexpected. This episode replaces fear with facts and shows that a well-built budget can make homeownership not only possible, but powerful.Quote:“The taxes and insurance are not surprises—they're scheduled and predictable. And if they go up? They go up in rent too. You're just not paying attention.”Highlights:Why most “hidden” costs are just poorly explained (and how to plan for them)How PITI (Principal, Interest, Taxes, Insurance) gives you a complete budget viewWhy rising property taxes and insurance aren't deal breakersThe renter's blind spot: you're already paying these increases—just for someone else's benefitHow to estimate and plan for HOAs, repairs, and future costs with confidenceWhen fear is valid—and when it's just misinformationThe biggest budgeting mindset shift every buyer needsReferenced Episodes:9 – How Much Money Do I Need To Make To Buy My First Home?75 – Inspection Red Flags, New Tips For 2022 Bidding Wars, And…To Wait, Or Not to Wait?110 – Home Inspections For First-Time Home Buyers162 – How Much Home Can You Afford With Your Salary?174 – How much Income do I need to make to Buy? DETAILS186 – INTERVIEW: Buying a Home with 300K of Student Debt219 – How Much Money Do You Need To Make To Buy A Home - For REALS!220 – Interview With Clarisse - Home Inspections: When And How To Walk Away From The Deal280 – Don't think you can buy a home? - Financial Planning 101322 – Am I Ready to Buy a Home? The 5 Questions You Must Ask339 – Don't Get Pre-Qualified—Get a Plan (INTERVIEW)340 – Down Payment Assistance, Discovery Calls & Lending Myths (INTERVIEW)350 – From ‘Years Away' to Homeowner: Your Last Lease EverConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!Visit the Podcast library to check out the rest of this series.

Most first-time buyers lose out because they're not ready to act—this episode shows you exactly how to prepare before the home even hits your inbox.Too many buyers start shopping before they're ready to offer—and it costs them. In Part 5 of the Real Answers series, you'll learn what it really means to be “offer-ready” and how to prepare for your first purchase with confidence and clarity. From contingencies and timelines to communication strategies with your agent, this episode is a playbook for writing a smart, complete offer the moment the right home appears. If you want to avoid rookie mistakes and actually win the home you fall in love with, this is your must-hear guide. Quote“If you're not ready to make an offer before you start looking, you're just a shopper, not a buyer.” Highlights Why most first-timers delay too long—and how to avoid their biggest regretThe critical difference between “liking a home” and being ready to offerWhat makes a complete offer package (and what most buyers miss)How fast timelines move once you find the oneContingency truths: which ones protect you vs. kill your dealWhy prepping before you tour is your biggest advantage Referenced Episodes Inspections: Ep. 75 – Inspection Red Flags, New Tips For 2022 Bidding Wars, And…To Wait, Or Not to Wait?Ep. 110 – Home Inspections For First-Time Home BuyersEp. 322 – Am I Ready to Buy a Home? The 5 Questions You Must AskEp. 220 – Interview With Clarisse – Home Inspections: When And How To Walk Away From The Deal Bidding Wars: Ep. 175 – How to Win in BIDDING WARS in the 2023 Market Down Payment Assistance: Ep. 250 – Down Payment Assistance is BACK (Save Major $$$ Buying a House)Ep. 340 – Down Payment Assistance, Discovery Calls & Lending Myths (INTERVIEW)Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!Visit the Podcast library to check out the rest of this series.

In this conversation, Skylar Dawn shares her entrepreneurial journey from starting a production studio to transitioning into real estate. She discusses the challenges faced by first-time home buyers, the importance of down payment assistance programs, and her experiences working with investors. Skylar emphasizes the significance of networking and building relationships in the real estate industry, as well as her aspirations to become a real estate attorney.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Every agent is out here fighting for more listings, but what if the key to dominating your market isn't just about pricing, marketing, or staging, but about money that's already sitting on the table? What most agents overlook is that some listings come with built-in financial power: I'm talking about reverse down payment assistance.  This is money that can be layered to cover buyer agent compensation without your seller having to give up a dime. In today's market, where buyers are hesitant and sellers want to net top dollar, this strategy is an absolute game-changer. In this episode, I'm breaking down how I use reverse down payment assistance and program stacking to attract buyers, help sellers net more, and give agents a value proposition no one else is talking about.    Things You'll Learn In This Episode  The anointed listing advantage What does it mean for a property to have an anointing, and how can you use that to make your listings irresistible? Reverse down payment strategy How can buyers get $20k+ in assistance without your seller offering a dime, and what does that mean for your commission? How to walk into any listing appointment with the upper hand What value can you offer sellers that puts you ahead of every other agent they're interviewing?   About Your Host Marki Lemons Ryhal is a ​​Licensed Managing Broker, REALTOR® and avid volunteer.  She is a dynamic keynote speaker and workshop facilitator, both on-site and virtual; she's the go-to expert for artificial Intelligence, entrepreneurship, and social media in real estate. Marki Lemons Ryhal is dedicated to all things real estate, and with 25+ years of marketing experience, Marki has taught over 250,000 REALTORS® how to earn up to a 2682% return on their marketing dollars. Marki's expertise has been featured in Forbes, Washington Post, http://Homes.com , and REALTOR® Magazine.   Check out this episode on our website, Apple Podcasts, or Spotify, and don't forget to leave a review if you like what you heard. Your review feeds the algorithm so our show reaches more people. Thank you! 

What drives a couple to leave corporate careers to transform real estate for their community? In this episode of the Real Estate Excellence Podcast, Tracy Hayes interviews Jessica Mendez and Joel Gonzalez, the dynamic duo behind the Real 4 Jax team with Rise Realty Advisors. Originally from Venezuela, Jessica and Joel share their inspiring journey from adapting to life in the U.S. to becoming one of the most trusted real estate teams serving Jacksonville's Hispanic community. Their mission? To help families build generational wealth through homeownership, using a personalized and bilingual approach that fills in crucial cultural and language gaps for their clients. Jessica's natural people skills and Joel's corporate background merged perfectly when they realized the immense opportunity and need for real estate professionals who truly understand and serve the Spanish-speaking market. Together, they're educating clients, navigating financial systems, and building lasting relationships that stretch far beyond the closing table. From community involvement to leveraging social media and education, their impact is both practical and deeply personal. If you're ready to serve your community with passion or looking to own your future with confidence, this episode will inspire you to take that leap!   Highlights: 00:00 - 10:15 Community Roots and Cultural Impact Deep ties with Jacksonville's Hispanic community Embracing support through presence and purchases From Venezuela to Miami, Georgia, and Jacksonville First impressions of American homeownership Real estate as a pathway to generational wealth 10:16 - 22:00 Navigating Cultural Barriers in Homeownership Credit myths and distrust in financial systems Lending challenges: cash buyers and untraceable income Educational gaps for first-time buyers Real-world lending stories and frustrations Helping immigrants understand financial requirements 22:01 - 35:00 From Corporate to Client-First Real Estate Joel's transition from industrial engineering to real estate Jessica's spark for real estate through helping others Building a business with family and flexibility Supporting each other's careers through synergy Early hurdles and overcoming language and cultural bias 35:01 - 47:30 Service With Heart Going the Extra Mile Treating every client like a long-term partner Examples of cleaning, staging, and trimming trees Refusing to delegate home prep to others Focus on community-based content and video marketing Real estate as more than sales—it's relationship work 47:31 - 01:01:00 Education, Marketing and Staying Top-of-Mind Hosting educational seminars and classes Using newsletters and social media for outreach Building lifelong relationships with clients Staying connected through community invites Proactive inspection advice and long-term planning 01:01:01 - 01:23:43 Mindset, Grit and the Power of Purpose Real estate as a calling and personal mission Playing the long game over short-term gains Transforming skepticism into motivation The emotional impact of helping families succeed Serving with integrity, resilience, and empathy Conclusion   Quotes: "We came here to grind. To do the best we can to achieve that American dream." – Joel Gonzalez "I always tell them: this is not the end. This is just the beginning." – Jessica Mendez "Real estate is not about transactions. It's about relationships." – Joel Gonzalez "If you don't know me, you don't know anybody!" – Jessica Mendez   To contact Joel and Jessica Mendez, learn more about his business, and make them a part of your network, make sure to follow him on Instagram and Website.   Connect with Jessica Mendez and Joel Mendez! Website: https://real4jax.com Instagram: https://www.instagram.com/jessicamendezrealtor?igsh=bGZmaTIxemZoc2V3   Connect with me! Website: toprealtorjacksonville.com   Website: toprealtorstaugustine.com    If you want to build your business and become more discoverable online, Streamlined Media has you covered. Check out how they can help you build an evergreen revenue generator all powered by content creation!   SUBSCRIBE & LEAVE A 5-STAR REVIEW as we discuss real estate excellence with the best of the best.   #RealEstateExcellence #GenerationalWealth #HispanicCommunity #JacksonvilleRealEstate #Real4Jax #BilingualAgents #VenezuelanImmigrants #HomeownershipMatters #LatinoRealEstate #RISERealty #RealEstateSuccess #TopAgentsFL #SpanishSpeakingRealtor #RealEstateWithHeart #RealEstateJourney #AmericanDream #RealEstateMotivation #RealEstatePodcast #FromVenezuelaToJax #ServingWithExcellence

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!

In this episode, John Harcar and Philip Ganz discuss the pressing issue of affordability in real estate, focusing on various assistance programs available for homebuyers. Philip shares his extensive experience in the mortgage industry, detailing the different types of down payment and monthly payment assistance programs, including the Earned Equity Program. The conversation emphasizes the importance of understanding these options to help middle America achieve homeownership despite rising costs and economic challenges.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

This interview with Randi Davis of El Paso County and Stacy Houston and Mark O'Brien from Raymond James, was recorded on April 23, 2025. In this episode, we talk all about the Pikes Peak Down Payment Assistance program and its benefits to potential homebuyers.  If you are interested in more information about the program, please visit https://pikespeakdpa.com/. Beyond the Dais aims to bring you stories about people making a difference in El Paso County, Colorado. If you have a story you want to share or know someone you feel should be highlighted, please email EPCPIO@elpasoco.com. If you are interested in hearing more of these stories, feel free to browse previous episodes or stay tuned for future editions of this podcast.

What if owning your own home was more achievable than you think?Many hardworking individuals believe homeownership is out of reach, but down payment assistance programs might be the key to making your dream a reality.In this episode of the Exit Strategies Radio Show, host Corwyn J. Melette sits down with Kendra Boozer and Tammy Stevens Wilson from Prosperity Builders to explore how workforce housing is changing the game for people caught in the 'missing middle'—those who earn too much for low-income programs but are priced out of traditional real estate.Kendra shares the ins and outs of down payment assistance programs and the real steps buyers can take to access these opportunities. Tammy highlights the vision behind Bermuda Pointe Towns, an affordable, high-quality community that's helping individuals achieve the dream of homeownership.Throughout the episode, they dive into inspiring success stories of families making the leap from renting to owning, and share tips on how financial literacy can transform the path to generational wealth.If you're ready to take a step towards homeownership, don't miss this opportunity! Visit Bermuda Pointe Towns online, reach out to Kendra, and get the answers you need. Share this episode with someone who might benefit—your encouragement could change a life!Key Takeaways:02:15 Understanding the qualifications for down payment assistance.04:03 Why homeownership through these programs is real and achievable.06:11 The mission behind Prosperity Builders and their commitment to legacy-building.08:09 How affordable housing can be high-quality and a source of pride.10:26 The importance of working with trusted lenders who guide you through the process.12:18 How to connect with Kendra and learn more about available homes.14:46 Overcoming fear and taking the first step towards homeownership.18:24 Encouragement to spread the word and bring others into the opportunity.22:22 Strategies for first-time homebuyers to navigate the market successfully.24:15 The importance of community-driven solutions in expanding housing opportunities.26:08 Success stories of families who transitioned from renting to owning.28:20 Key financial strategies for maintaining long-term homeownership stability.30:12 Why mentorship and guidance are crucial for homeownership successConnect with Kendra Boozer:Address: 202 Cache Court, Charleston, SC​Phone: 843-834-5089​Email: kendra@prosperitybldr.com​Website: bptowns.comConnect with Corwyn:Contact Number: 843-619-3005Instagram:⁠ https://www.instagram.com/exitstrategiesradioshow/⁠FB Page:⁠ https://www.facebook.com/exitstrategiessc/⁠Youtube:⁠ https://www.youtube.com/channel/UCxoSuynJd5c4qQ_eDXLJaZA⁠Website:⁠ https://www.exitstrategiesradioshow.com⁠Linkedin:⁠ https://www.linkedin.com/in/cmelette/⁠Shoutout to our Sponsor: ROBYN COLLINSDo you want something more? More Meaningful Moments opportunities, deeper relationships and memorable experiences? Do you want to make a difference? If you say YES, a career and real estate could be the opportunity you're looking for guiding people to one of the most important decisions they ever made, the purchase or sale of their home can be both rewarding and lucrative. Exit Realty has a revolutionary compensation model training and technology that provides you with the tools you need to start and build your successful real estate career. Call me today  ROBYN COLLINS with REDROBYN HOMES at 843-557-5003. Again that's 843-557-5003 or visit RedRobynhomes.com/join.exit and make your Exit today.

$25,000 Down Payment Assistance for First-Generation Homebuyers in Michigan!Are you a first-generation homebuyer in Michigan? You could qualify for $25,000 in down payment assistance to help make homeownership a reality! In this video, we break down the Michigan First-Generation Down Payment Assistance Program, including:✅ Who qualifies for the $25,000 grant✅ How to apply for the program✅ Income limits & eligibility requirements✅ How this program can help you secure your first home✅ Tips for maximizing your home-buying powerDon't miss out on this amazing opportunity to make homeownership more affordable! Watch until the end for expert advice and next steps.

$25,000 Down Payment Assistance for First-Generation Homebuyers in Michigan!Are you a first-generation homebuyer in Michigan? You could qualify for $25,000 in down payment assistance to help make homeownership a reality! In this video, we break down the Michigan First-Generation Down Payment Assistance Program, including:✅ Who qualifies for the $25,000 grant✅ How to apply for the program✅ Income limits & eligibility requirements✅ How this program can help you secure your first home✅ Tips for maximizing your home-buying powerDon't miss out on this amazing opportunity to make homeownership more affordable! Watch until the end for expert advice and next steps.

Hi there, First Timers, As promised, today you will hear my interview with Josie Hatem from the Nevada Housing Division. You will learn about: 1. The three Home is Possible program offered by the Nevada Housing Division 2. Why the term "non-forgivable" shouldn't scare you away 3. Josie's homeownership journey and what not to do. Enjoy listening and share with someone you know that is looking to buy or sell a home this year. Cheers to achieving your real estate dreams! ------------------------ Your Trusted Real Estate Professional, Christal REALTOR® 0202693 https://WestOfThe15.com P.S.- If you live outside of Nevada and need a referral for a REALTOR® in your area, visit my website and email me. I have a vast network, and I'm happy to help.

Hi there, First Timers, In today's episode I give a preview of 4 downpayment assistance programs currently available to make homeownership possible. This episode is the setup for my conversation with Josie from the Nevada Housing Division that will be released next week. We will go into much more detail on the benefits and requirements. Enjoy listening and share with someone you know that is looking to buy or sell a home this year. Cheers to achieving your real estate dreams! ------------------------ Your Trusted Real Estate Professional, Christal REALTOR® 0202693 https://WestOfThe15.com P.S.- If you live outside of Nevada and need a referral for a REALTOR® in your area, visit my website and email me. I have a vast network, and I'm happy to help.

Clark County is offering up to $60,000 in down payment assistance for first-time homebuyers. Find out how you can qualify and take a step toward homeownership. Read more at https://www.clarkcountytoday.com/news/county-council-releases-1-million-for-down-payment-assistance-program-for-first-time-homebuyers/ #DownPaymentAssistance #Homeownership #FirstTimeHomebuyers #MortgageLoan #HousingCounseling #LocalNews #ClarkCountyWa

In this episode, we explore the ins and outs of down payment assistance programs. While they can help buyers get into a home with less money upfront, it's essential to understand the fine print. Join us as we discuss how these programs work, the potential drawbacks, and the key questions to ask before taking advantage of any assistance. We're not saying these programs are bad—just making sure you're fully informed about every option on your homeownership journey.Send us a textEnjoyed this episode? Share it with friends and family or leave us a review! Have questions or stories to share? Send them our way, and they might be featured in a future episode! Stay Connected:- Follow us on Instagram and Facebook for more updates and visuals.- Visit our website at NestologyPodcast.com for additional resources and episode archives.- Email us at NestologyPodcast@gmail.com with your questions and stories!

Planning to buy a home in 2025? REALTOR® Shad Bogany from Houston, Texas walks us through the homebuying process, from the first consultation to making an offer that will be accepted. Then, Keith Gumbinger with HSH.com shares what to look for in a mortgage, how to qualify for a home loan and what mistakes to avoid. Plus, Rob Chrane with Down Payment Assistance explains why home buyers should explore down payment assistance programs regardless of their income and purchasing power. Also, home design expert Melissa Dittmann Tracey shares if shower rooms and high-contrast spaces are hot or not.

Planning to buy a home in 2025? REALTOR® Shad Bogany from Houston, Texas walks us through the homebuying process, from the first consultation to making an offer that will be accepted. Then, Keith Gumbinger with HSH.com shares what to look for in a mortgage, how to qualify for a home loan and what mistakes to avoid. Plus, Rob Chrane with Down Payment Assistance explains why home buyers should explore down payment assistance programs regardless of their income and purchasing power. Also, home design expert Melissa Dittmann Tracey shares if shower rooms and high-contrast spaces are hot or not.

Homeownership is a dream many aspire to, but sadly don't have access to due to affordability. Before they can even think of affording a mortgage…getting money for a down payment can be a real struggle.  What a lot of people don't know is that there are down payment assistance programs that can help them get into a home.  80% of home buyers qualify for down payment help but only 15% actually use it. As agents, this provides a lucrative opportunity to provide a valuable solution.  Down payment help is the perfect marketing message to put in front of buyers right now. We can win more business by leveraging a valuable resource that will get more people into homes, save them lots of money and help them build equity faster.  And it will put more dollars in our own pockets too!   How do we leverage these programs to bring more value to buyers? How does this offering add to our marketing prowess?  In this episode, I'm joined by founder and CEO of Down Payment Resource, Rob Chrane. He shares how we can add down payment assistance to our toolkit.    Things You'll Learn In This Episode  Closing the 65% home affordability gap  There's a huge gap between the down payment assistance that's available and the people who actually use it. What can agents do to get these valuable resources to more people, and how will it put more money in your pocket?  Erase the negativity  A lot of people - agents and consumers alike have negative connotations of FHA programs. How does this negativity rob us of lucrative opportunities?   Another way to add value to buyers  Down payment assistance doesn't just apply to buyers - it also applies to houses. How can real estate professionals use this to win more business?  Guest Bio Rob Chrane is founder and CEO of Down Payment Resource and a leader in the homeownership affordability space. A 30-year veteran of the real estate and mortgage industries, Chrane launched the only comprehensive database of U.S. homebuyer assistance programs and developed tools that empower lenders, borrowers and real estate professionals to connect homebuyers with affordability programs. Chrane actively collaborates with housing organizations and coalitions such as the Urban Land Institute, National Fair Housing Alliance and the Mortgage Bankers Association's CONVERGENCE initiative. He is a frequent speaker at national and local events on the topic of homeownership affordability. To learn more about how you can leverage this tool, visit https://downpaymentresource.com/.    About Your Host ​​Licensed Managing Broker, REALTORS®, avid volunteer, and Major Donor, Marki Lemons Ryhal is dedicated to all things real estate. With over 25 years of marketing experience, Marki has taught over 250,000 REALTORS® how to earn up to a 2682% return on their marketing dollars. Six-time REALTOR® Conference and Expo featured attendee, one of 100 speakers selected to speak the REALTOR® Conference & Expo five times, and an Inman closing Keynote Speaker. Marki's expertise has been featured in Forbes, Washington Post, http://Homes.com , and REALTOR® Magazine.   Check out this episode on our website, Apple Podcasts, or Spotify, and don't forget to leave a review if you like what you heard. Your review feeds the algorithm so our show reaches more people. Thank you!

In this episode of Go Gaddis Real Estate Radio, brought to you by Modern Traditions Realty Group, we dive into the topics of Down Payment Assistance and Gift Funds—how they work, and whether they benefit the buyer or seller. We'll break down what these financial resources mean for both sides of the real estate transaction and how they can help first-time buyers get into their dream home. Segment Teaser: What exactly is Down Payment Assistance and how does it benefit buyers and sellers? Plus, learn how Gift Funds can help you buy your first home and whether they need to be repaid. Cleve Gaddis: Helping listeners go from real estate novice to expert, ensuring that home buying and selling can be done with total confidence and without the usual worries of life's biggest investments. Let's Talk: Visit GoGaddisRadio.com to ask questions, leave comments, push back, share your ideas, and explore our Neighborhood Spotlight. Don't forget to subscribe to our podcast! Down Payment Assistance: Marion from Peachtree Corners asks about Down Payment Assistance programs and how they affect both buyers and sellers. Cleve explains how these programs work, their potential benefits, and touches on the possibility of future grants that could make homeownership more accessible. Gift Funds: Gordon and Liz from Norcross want to know more about using gift funds to buy their first home. Cleve explains how gift funds work, whether they need to be repaid, and the guidelines for using them in real estate transactions. Join us for an informative episode that helps you understand how Down Payment Assistance and Gift Funds can ease the path to homeownership! If you have a question for Cleve, click here : https://gogaddisradio.com/ask-a-question If you are looking to buy or sell your home with Cleve, click here : https://moderntraditionsrealty.net/contact If you are looking to join a real estate team, click here : https://moderntraditionsrealty.net/careers

                                        Listen in as Erin and Gabriella discuss: Why Gabri returned her first two houses to the bank… and what she would have done differently with what she now knows Tactical strategy and action items for every market… and especially slower ones The social media strategy that brought Gabri a huge following and has her known as the California Mortgage Girl The power of implementing boundaries … and much more                                       About With over 27 years of lending expertise, Gabriella Godde, affectionately known as the "California Mortgage Girl," is a seasoned professional in the real estate finance industry. Her extensive experience spans from assisting first-time homebuyers to navigating the complexities of self-employed entrepreneurs with multiple properties and intricate tax returns. Gabriella's unwavering goal is to empower her clients with accurate and dependable information, ensuring they make informed decisions throughout their real estate transactions. She goes above and beyond by providing comprehensive estimates of monthly mortgage payments across a broad spectrum of pre-approved prices, while also transparently outlining closing costs and down payment requirements to eliminate any surprises at closing. Having engaged with thousands of clients over the years, Gabriella possesses a keen ability to swiftly analyze their unique needs and aspirations. This enables her to recommend tailored loan programs that align perfectly with their financial goals and objectives. Her expertise extends to various specialized loan programs, including FHA, CalHFA, FHA-203K, Conventional, VA, USDA, 4 Plus Properties, Investment Bank Statement Loans, and Debt Service Coverage Ratio (DSCR) loans. Based in the picturesque state of California, Gabriella takes pride in leveraging the state's attractive incentives for first-time homebuyers. She holds certifications to handle loans from CalHFA, the Teacher Program, and Down Payment Assistance programs, offering her clients unparalleled access to advantageous financing options. For personalized assistance and expert guidance in navigating the mortgage landscape, reach out to Gabriella Godde, the "California Mortgage Girl," at 661-713-3460 or via email at Godde007@Gmail.com. NMLS# 262012. Gabriella is associated with Groves Capital Inc., a trusted name in the mortgage industry.   How to Connect With Gabriella LinkedIn: https://www.linkedin.com/in/gabriellagodde1/ Instagram: https://www.instagram.com/gabriellagodde

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In this episode of the Loan Officer Training podcast, we explore the essential strategies for structuring down payment assistance loans. Discover how to effectively design and manage these loans to help your clients overcome one of the biggest barriers to homeownership. We'll cover key aspects such as eligibility criteria, types of down payment assistance programs, and how to integrate these loans with conventional mortgage products. Learn practical tips for ensuring smooth processing, compliance with program guidelines, and maximizing benefits for your clients. Whether you're new to down payment assistance or looking to enhance your expertise, this episode provides valuable insights to help you successfully structure these loans and make homeownership accessible to more buyers. Tune in to elevate your skills and better support your clients in achieving their homeownership dreams!Tune in and take your mortgage expertise to the next level!Join The Mortgage Calculator at https://themortgagecalculator.com/joinAbout The Mortgage Calculator:The Mortgage Calculator is a licensed Mortgage Lender (NMLS #2377459) that specializes in using technology to enable borrowers to access Conventional, FHA, VA, and USDA Programs, as well as over 5,000 Non-QM mortgage loan programs using alternative income documentation! Using The Mortgage Calculator proprietary technology, borrowers can instantly price and quote thousands of mortgage loan programs in just a few clicks. The Mortgage Calculator technology also enables borrowers to instantly complete a full loan application and upload documents to our AI powered software to get qualified in just minutes!Our team of over 350 licensed Mortgage Loan Originators can assist our customers with Conventional, FHA, VA and USDA mortgages as well as access thousands of mortgage programs using Alternative Income DocumentationCatch all the episodes of the Loan Officer Training Podcast at https://themortgagecalculator.com/Page/Loan-Officer-Training-Series-Podcast Catch all the episodes of the Loan Officer Training Podcast at https://themortgagecalculator.com/Page/Loan-Officer-Training-Series-PodcastLoan Officers for Unlimited Free Non-QM Leads & Trainings Join The Mortgage Calculator at https://themortgagecalculator.com/joinThe Mortgage Calculator is a licensed Mortgage Lender (NMLS #2377459) that specializes in using technology to enable borrowers to access Conventional, FHA, VA, and USDA Programs, as well as over 5,000 Non-QM mortgage loan programs using alternative income documentation! Using The Mortgage Calculator proprietary technology, borrowers can instantly price and quote thousands of mortgage loan programs in just a few clicks. The Mortgage Calculator technology also enables borrowers to instantly complete a full loan application and upload documents to our AI powered software to get qualified in just minutes! Our team of over 350 licensed Mortgage Loan Originators can assist our customers with Conventional, FHA, VA and USDA mortgages as well as access...

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Join economist Dr. Orphe Divounguy and Chris Krug as they discuss down payment assistance programs on this episode of Everyday Economics! Everyday Economics is an unrehearsed, free-flow discussion of the economic news shaping the day. The thoughts expressed by the hosts are theirs, unedited, and not necessarily the views of their respective organizations.Support this podcast: https://secure.anedot.com/franklin-news-foundation/ce052532-b1e4-41c4-945c-d7ce2f52c38a?source_code=xxxxxx

Today we're talking what mortgage rate drops could mean for people looking to purchase a home, and we touch a bit on down payment assistance programs. Press play today! Remember to rate and review! Wherever you listen to the show :) Thank you so much! _________________ HQ: https://linktr.ee/jamalthebroker TikTok, YouTube & Instagram: @jamalthebroker Facebook: @calljamalthebroker Phone: 812-202-1302 Email: hello@jamalthebroker.com  ------- Podcast Break Music: “Love is F4our” by Clear Blue Podcast Intro/Outro Music Song: Musical Bakery - In Da Hood (No Copyright Music) Music provided by Tunetank. Free Download: https://bit.ly/3eMHsy4 Video Link: https://youtu.be/93tW9diWPYM -------

This week on AgweekTV, Minnesota has new funding for a popular program to help young farmers get started. It's time to harvest and celebrate an unusual crop: garlic. We'll check in on the crops in northeastern South Daktoa for a stop on our Cereal Crops tour. And two rival high schools join forces for FFA.

Down payment assistance is BACK, and it's not just for low-income buyers! This episode reveals the truth about underutilized programs that could help you ditch your lease and buy a home sooner than you think.Highlights:"79.8% of FHA borrowers were eligible for down payment assistance, but only 15% used it. Damn." Discover why these programs are massively underutilized and how to use them to achieve your homeownership dreams."Each area has their own specialized programs..." Learn how to find the hidden gems of down payment assistance in your area and unlock your path to homeownership."Zillow and Realtor.com are going to send you to one of those inexperienced brokers who doesn't know anything about this." This episode reveals the truth about the online real estate game and who you should really trust on your home buying journey."You could use a down payment assistance program, but should you?" Discover the factors to consider before diving into a down payment assistance program, ensuring it aligns with your long-term goals."90 minutes today can transform the next year of your life." Ready to make 2024 your last year of renting? Find out how a free consultation could be your ticket to homeownership.Referenced Episodes: Episode 75, Episode 113, Episode 225, Episode 238, Episode 245General Notes: This episode is a wake-up call for anyone who thinks down payment assistance isn't for them. It's packed with insider tips, myth-busting facts, and a clear plan of action to get you into your dream home.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!If you want to become a First Time Home Buying expert in just 7 days, Sign Up for the FREE Home Buying Starter Kit VIDEO SERIES

Home Loans Radio 06.22.2024 With That Mortgage Guy Don- Home Town Heroes is Back up to $35k in down payment assistance.

In the latest episode, Monica La Crue, Single-Family Affordable Lending Manager, and Malyna Phan, Branch Manager, Big Valley Mortgage, discuss how real estate professionals can help match borrowers with the right down payment assistance program for their unique needs. Listen to learn more about DPA resources, collaboration between loan officers and real estate professionals and misconceptions about borrowers who require down payment assistance.

SONYMA Down Payment Assistance Program - Introduction The Truth About SONYMA Down Payment Assistance Program with Christine Perlow Christine Perlow is a Sr. Loan Officer at Nationwide Mortgage Bankers. She has been in the mortgage industry for over 30 years and she is most passionate about helping her First Time Buyers. She has been in the SONYMA Hall of Fame for the past 10 years and always in the top 5! She is the mom to twin boys who are 18 years old graduating from High School and heading off to college! Christine and her husband are enjoying this special time. ➡️ Brooklyn Agent Services: If you'd like me to help you buy, sell, rent or renovate your home in Brooklyn, NY, let me know, I'd be happy to! Just send an email to lauramoreca@gmail.com or text me at 347-440-9582. ➡️ Real Estate Referrals:

Home Loans Radio Show 06.15.2024 With That Mortgage Guy Don- Home town Heroes  down payment assistance funds available now! Get upto $35000 

Helping to make the dream of home ownership a reality for Durham residents. That's the goal of the Durham Down Payment Assistance Program. In this CityLife episode, host Beverly Thompson talks with Community Development Manager for Neighborhood Stabilization Dr . Michael Pullum about what the program is and who it's helping. About CityLifeCityLife, a talk show that features information on current City issues and upcoming events, airs daily on Durham Television Network (Spectrum ch. 8, Frontier ch. 70 and AT&T U-verse ch. 99)  and on Roku, Apple TV and Amazon Fire TV on the free Boxcast app. For more information about the City of Durham, call (919) 560-4123, like on Facebook, and follow on Twitter, Instagram, and Nextdoor. City Life is now an audio podcast! Find it on iTunes or wherever you get your podcast. 

Are you a loan officer looking to expand your expertise and provide invaluable support to your clients? Dive into this essential episode of the "Loan Officer Training" podcast, where we unravel the intricacies of structuring down payment assistance loans.In "How to Structure a Down Payment Assistance Loan," our expert hosts will guide you through the step-by-step process of helping clients navigate one of the biggest hurdles in home buying – the down payment. You'll learn about the various types of assistance programs available, key eligibility requirements, and the strategic approach to aligning these programs with your clients' unique financial situations.This episode is packed with practical tips, real-life examples, and insider advice that will empower you to offer enhanced value to your clients. Whether you're new to the field or a seasoned pro, this is your opportunity to master the tools and techniques that can make homeownership a reality for more people. Tune in and elevate your loan officer skills to the next level!Don't miss out – subscribe to "Loan Officer Training" and stay ahead of the curve in the ever-evolving mortgage industry.Join The Mortgage Calculator at https://themortgagecalculator.com/joinAbout The Mortgage Calculator:The Mortgage Calculator is a licensed Mortgage Lender (NMLS #2377459) that specializes in using technology to enable borrowers to access Conventional, FHA, VA, and USDA Programs, as well as over 5,000 Non-QM mortgage loan programs using alternative income documentation! Using The Mortgage Calculator proprietary technology, borrowers can instantly price and quote thousands of mortgage loan programs in just a few clicks. The Mortgage Calculator technology also enables borrowers to instantly complete a full loan application and upload documents to our AI powered software to get qualified in just minutes!Our team of over 35Catch all the episodes of the Loan Officer Training Podcast at https://themortgagecalculator.com/Page/Loan-Officer-Training-Series-Podcast Catch all the episodes of the Loan Officer Training Podcast at https://themortgagecalculator.com/Page/Loan-Officer-Training-Series-PodcastLoan Officers for Unlimited Free Non-QM Leads & Trainings Join The Mortgage Calculator at https://themortgagecalculator.com/joinThe Mortgage Calculator is a licensed Mortgage Lender (NMLS #2377459) that specializes in using technology to enable borrowers to access Conventional, FHA, VA, and USDA Programs, as well as over 5,000 Non-QM mortgage loan programs using alternative income documentation! Using The Mortgage Calculator proprietary technology, borrowers can instantly price and quote thousands of mortgage loan programs in just a few clicks. The Mortgage Calculator technology also enables borrowers to instantly complete a full loan application and upload documents to our AI powered software to get qualified in just minutes! Our team of over 350 licensed Mortgage Loan Originators can assist our customers with Conventional, FHA, VA and USDA mortgages as well as access...

Ever felt like the hustle of your career is pulling you away from what truly matters? John Hudson did, and a trip to Disney World was the eye-opener he needed. Tune in as John, a mortgage industry veteran with 26 years under his belt, shares the heartfelt story behind his decision to start his own company. Discover how the relentless demands of his past roles and the noticeable lack of expertise among newer loan originators fueled his passion to make a difference. John dives deep into the world of mortgage structuring, income calculation, and compliance, revealing the intricacies that newer professionals often overlook.In this episode, we also dissect the role of down payment assistance programs in today's mortgage market. You'll hear all about an innovative 0% down program from the largest wholesaler in the country, along with its potential benefits and ethical dilemmas. John's candid discussion about responsible marketing practices is a must-listen for anyone involved in real estate. Whether you're a seasoned investor or just curious about the mortgage sector, John's insights and experiences offer valuable lessons and practical advice for navigating this dynamic industry. Don't miss out on this engaging, informative conversation that's packed with actionable takeaways.Key Factors Podcast is Powered by ReviewMyMortgage.com Host: Mark Jones | Sr. Loan Officer | NMLS# 513437 If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

Welcome to the State 48 Homeowner Podcast! In this episode, we're joined by Steve Farrington from Unity Home Loans to discuss the best mortgage options for first-time homebuyers. We dive into different loan types such as FHA, VA, USDA, and conventional loans, and also touch on down payment assistance programs. Whether you're new to the market or haven't owned a home in a while, this episode provides valuable insights to help you navigate your mortgage options. For more details, visit our website at claussteam.com or call us at 480-354-7344.

Imagine unlocking the door to your very first home, the pride swelling within you, knowing you've navigated the financial maze to make it happen. That's the journey I, Christopher Lynch and Brianna Lehmann guide you through in our latest episode. We delve into the plethora of down payment assistance options that can transform the dream of homeownership into a reality, especially for first-time buyers. From the allure of minimal down payments on conventional loans to the particularities of USDA loans taking into account the income of the entire household, we ensure you're equipped with knowledge to pick the path that suits you best.Step by step, we walk you through home buying programs you might not know about in the Canton and Massillon areas, where your income could be the golden ticket to additional support. But it's not all about the funds—your personal finances need to be in check too. We discuss the importance of having a safety net and planning for those pesky additional expenses that come with buying a home. Whether it's missing appliances or future repairs, we prepare you for the full picture of homeownership costs, beyond just the mortgage.As we close this episode, we extend our warmest thanks and remind you that our podcast is more than just transactional advice—it's about celebrating your personal victories in the real estate game. Your participation fuels our passion and makes this podcast possible, so drop us a line on Instagram or shoot us an email. Remember, tapping into grants and assistance programs is not a sign of weakness, but a strategic move towards independence and security. Stay connected, informed, and, most importantly, confident on your journey to homeownership with the Reality of Real Estate podcast.YouTube: https://www.youtube.com/@LucasLiveMediaInstagram: https://www.instagram.com/realityofrealestatepodcast/Email: Brianna Lehman- blehmanrealtor@gmail.comEmail: Christopher Lynch- Christopher.Lynch@ccm.com

Are you looking for a mortgage advisor who can understand your unique scenario or someone who is licensed in all 50 States as well as Puerto Rico? Then you are on the right channel! I can help you whether you are a first-time homebuyer, or with any type of loan type, you wish to use.  Let's get started! GRANT FINDER:  https://www.winthehouseyoulove.com/tools/grant

In this week's solo episode of the KCREatingwealth Podcast, I chat about down payment assistance in MA! To me, down payment assistance can be a VERY powerful tool when placed with the right person, in the right situation. In this episode, I chat about the basics of understanding how it works, some of the popular minimum eligibility criteria, “Gateway Cities” and how these programs can incentivize homebuyers to aid in stimulating economies in local markets, and a bunch more! ***Fill out our investor application below for us to learn how to collaborate on deals together in the future!*** https://tinyurl.com/5969549n ***Join our “KCREatingwealth Together” Facebook group to collaborate with tons of likeminded investors from all over and help each other change our lives for generations!*** https://tinyurl.com/ycerv4ra Follow me on social! Instagram: @Kyle.kcreatingwealth, @KCREatingwealth Facebook: @Kyle Curtin Linkedin: Kyle Curtin Biggerpockets: Kyle Curtin What equipment do I use? Blue Yeti USB Microphone: https://tinyurl.com/5n966aty DISCLAIMER: I or any guests being interviewed on “The KCREatingwealth Podcast” are not responsible for any investment decisions that you make or capital losses incurred. We are not licensed tax professionals or any form of wealth advisors unless particular guest happens to be as such, and all investment decisions should not be made without receiving advice from a licensed professional

Tip Tuesday, 2-4 Min Real Estate Tips Are you dreaming of owning your own home but struggling to save for a down payment? Look no further! In this video, we dive into the exciting news from Fannie Mae about their groundbreaking down payment assistance program, offering a generous $2500 to qualified homebuyers. Whether you're a first-time buyer or looking to make a move, this initiative could be the key to turning your homeownership dreams into reality. Don't miss out on this opportunity to learn all about Fannie Mae's new down payment assistance program and take the first step towards owning your own piece of the American dream. Subscribe now and stay informed on the latest updates in real estate and home finance! Subscribe to our weekly rate update where we share where the rates are currently and why: https://youtube.com/playlist?list=PLvQwjaqVCSSDpYPEN7FIL6Jlvm6Lq8b8l&si=x4MzAc_ztCaYo380 Connect with Dana: https://danawilson.exprealty.com/holp/app Connect with Ryan: https://www.waterstonemortgage.com/originators/ryan-gilliam Follow us on You Tube for 2-4 Minute Tip Tuesday, The Neighborhood News, Housing Market Updates, Tips for Buyers and Sellers and More! https://www.youtube.com/channel/UCIUKDII6v8bYuU23Tay9q3A Here are some free "goodies"

CALHFA down payment assistance is available to many first-time buyers who didn't know that they could qualify! Learn more in today's episode. For more information and to get a scenario customized to you, book your free phone consultation today, BOOK NOW We are LIVE on YOUTUBE every Wednesday @ 1PM PST. Interact with us LIVE while we record! Ask us your questions right in the comments. Text "MOM" to 844-935-3634 to receive a link once a week to join the show. Debbie Marcoux is licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NC, NV-57237, MO, OR, TN-184373, TX, WA-MLO-237926

Ever wondered how you could bridge the wealth gap through homeownership without the mythical 20% down payment? This Key Factors Podcast episode, featuring mortgage mavens Yvonne 'YG' Godina and John Hudson, promises to revolutionize your understanding of down payment assistance (DPA) programs and equip you with the knowledge to navigate the home buying journey with confidence. YG and John, with their combined 53 years in the mortgage industry, share heartfelt narratives and expert insights, debunking common myths and laying out the blueprint for building generational wealth through property ownership.Together, we peel back the layers of mortgage options and lender responsibilities, illuminating the path for first-time buyers and seasoned investors alike. This episode is not just a discussion—it's a masterclass in the practicalities of DPA programs, the importance of accurate income reporting, and the strategies for turning an existing home into a rental property. We'll guide you through the often-misconceived world of DPA, clarifying the types of assistance available, from grants to bonds, and how these can impact your loan terms. John and YG's expertise shines as they explore the nuances of these pivotal financial tools, ensuring you leave armed with the know-how to seek out the best mortgage solutions for your situation.Wrap up your understanding of the transformative power of homeownership and the critical role of ongoing education in the pursuit of property ownership. This conversation is more than an overview of housing loan rates and programs—it's a call to action to take informed steps towards securing your slice of the American Dream. With YG and John's wisdom at your side, the Key Factors Podcast turns complex financial terrain into approachable, actionable insights. Tune in, get empowered, and mark your first step towards a brighter financial future with us.Key Factors Podcast is Powered by ReviewMyMortgage.com Host: Mark Jones | Sr. Loan Officer | NMLS# 513437 If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

Spencer Hsu is a Bay Area Real Estate Agent, a Residential, New Home Construction and Relocations specialist with eXp Realty LLC. Serving the entire Bay Area. He aims to help busy professionals in the Bay Area tech industry find their dream homes by leveraging tech, data and local insights.CONTACT ME: Call / Text: (408) 547- 4590Email: spencer@spencerhsu.com www.homesbyspencerhsu.com

This week, we talk about the 'California Dream For All 2024' program. eBay Layoffs: eBay, a major Bay Area-based company, has announced the layoff of approximately 1,000 employees​​.Mortgage Demand Increases: As mortgage rates drop, there's an uptick in mortgage demand, indicating a shift in the real estate market.San Mateo County's AI Employment Protection: In response to growing concerns about AI impacting job security, San Mateo County is taking steps to safeguard workers from losing their jobs to AI advancements.Bay Area's Culinary Recognition: Yelp's Top 100 Places to Eat in 2024 includes five restaurants from the Bay Area, highlighting the region's diverse and acclaimed culinary scene​​.Bay Area's Coffee Culture: A Bay Area city has emerged as the surprising No. 2 coffee spot in the U.S., underscoring the area's vibrant coffee culture and appeal.Spencer Hsu is a Bay Area Real Estate Agent, a Residential, New Home Construction and Relocations specialist with eXp Realty LLC. Serving the entire Bay Area. He aims to help busy professionals in the Bay Area find their dream homes by leveraging tech, data and local insights.CONTACT ME: Call / Text: (408) 547- 4590DRE 02077253Email: spencer@spencerhsu.com www.homesbyspencerhsu.com

New Home for New Year Home Buying Seminar by Sold Buy Sonny on January 20th, 2024 at Hemet Public Library  Greetings Residents of Hemet, San Jacinto, Menifee, Beaumont, Perris, Murrietta, Winchester, Temecula and Surrounding areas!! Join us @ New Home for New Year Home Buying Seminar by Sold Buy Sonny, where you'll learn all the tips and tricks to find your dream home. Join us for an exciting in-person event at the Hemet Public Library on 300 East Latham Avenue, Hemet, CA, USA. Are you dreaming of owning a new home in the new year? Look no further! Realtor Sonny Smith CA#02139602 of Sold Buy Sonny (Trillion Real Estate ) is hosting a home buying seminar to help you make your dream a reality. Sonny has teamed up with Mortgage Industry Professionals Loan Officer ~ Deanne Moore NMLS#1849847 of Vault Mortgage & Account Manager ~ Jocelyn Vasquez CA#0N11792 of Mortgage Guaranty Insurance Corp as they guide you through the entire process, from finding the perfect home to securing the best financing options. Don't miss this opportunity to learn valuable tips and tricks from the pros. Mark your calendar and join us at the Hemet Public Library for this informative and engaging event. See you there! RSVP Here or For More info: Sold Buy Sonny New Home For New Home Buyers Seminar Hemet Jan 20th, 2024 Looking to Buy or Sell Your Home Contact Sonny Smith at SoldBuySonny.com

Affordable Purchase Programs are here at Townstone! Fill out a free consultation request at https://townstone.com/consultation-request/ to see if you qualify for this or one of our other many products and programs.

To Schedule a discovery call click the link belowhttps://mgthemortgageguy.as.me/schedule/85cc8d66/appointment/56004621/calendar/4050107?appointmentTypeIds%5B%5D=56004621Support this podcast at — https://redcircle.com/rants-and-gems/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

https://www.GoodMorningGwinnett.com Listen to the show Monday-Thursday at 10am. Learn all about people and places around Gwinnett County. Hey if you're enjoying the show, horoscope & morning inspiration, help me keep up the good feelings by buying me a cup of coffee. Just click the link below. https://www.buymeacoffee.com/AudreyBK______________________________________Unlock your dream of homeownership with the Gwinnett County Down Payment Assistance program. This generous initiative, effective from July 1, 2023, offers first-time homebuyers up to $7,500 in financial support for homes in Gwinnett County. The program caters to both previously constructed and new construction homes, making it accessible to a wide range of aspiring homeowners.What sets this program apart is its 0% interest, zero payments, five-year deferred payment loan structure. As long as you remain the primary resident, the lien is canceled, and you won't need to make payments. Additionally, your principal is reduced by 20% annually, starting from the first anniversary of the security deed.To qualify, you must be a first-time applicant, and the program is compatible with various fixed-rate loans, except for adjustable-rate mortgages. The application process is straightforward, involving a pre-application package and meeting specific criteria. Once eligible, you'll receive a Preliminary Certificate of Program Eligibility, valid for 180 days. The program also covers essential costs like down payments and closing fees, making your homeownership dreams a reality. Contact the dedicated team for further information and embark on your journey towards affordable homeownership.Is this conversation helpful so far?

Texas Real Estate Commission - Consumer Protection Notice Donna Reed and Eric Seemann are both professional real estate agents. Donna lives and works in Tucson Arizona with Keller Williams Southern Arizona while Eric lives and works in San Antonio Texas with Keller Williams Heritage. They are also siblings, and they grew up in a small Northwest Ohio village of Lindsey. Their idyllic small-town childhood laid the foundation for what would become the structure of their lives and careers in real estate. We hope you will join us as we reminisce, reflect, and correlate how our childhood and life in rural Ohio still impacts our dealings with our clients today.  It is our 32nd episode and that means, Markets on the 8's. Our opportunity to talk a little more details on what is happening nationally and locally in the real estate market.  We have a great guest with decades of banking and lending experience and we welcome Mike Litwin with Thrive Mortgage.  Excited to address questions from a regular listener and hometown friend.  Be ready to take notes, there is a mucho information in this episode! Website:  www.realsiblings.com Watch Episodes on YouTube at:  REAL Siblings, It Ain't Easy Episode Time Breakdown: 0:00 Intro, music and teaser 1:11 Opening Topic Presentation and Guest Intro 2:13  Listener Message and Question 3:52  Interest Rates 5:43 Home Buying & Interest Rates 8:12  Houses on the Market 10:01 First Time Home Buyers - Finance Options 12:30  PAR and Sub PAR Rates 12:57  Points explained 14:58  Refinance Boom 16:56  Down Payment Assistance 18:31 Asking agents and lenders to step-up 20:45 New Home Lenders & Financing 21:45  3, 4, 5 Buying Behaviors 24:36  Artificially Low Payments / Property Taxes 25:53  Other lending and loan considerations 28:45  Final Thoughts 30:10  Closing this episode   To reach out to Donna: Email:  donna@reedtucson.com Phone: (520) 631-4638 Facebook: (2) Donna Seemann Reed | Facebook   To Connect with Eric: Email:  eric@victorsgrouptx.com Phone: (210) 389-6324 Facebook: (2) Eric V. Seemann | Facebook   Texas Real Estate Commission - Information About Brokerage Services          

Cindy Sweeten is the Community Grant Coordinator at the City of Provo. She joins me on this episode to talk about some down payment and first time home buyer programs that the City of Provo is offering to first time home buyers.

On this episode of Broker to Broker, host Marc Summers is exhilarated by the infectious energy and down-to-earth wisdom of  Maddux Mortgage Broker Owner, Mike Maddux! Mike's hunger for success in the wholesale industry is an inspiration that mortgage professionals can learn from. Mike's energy, pragmatism, and ability to get to the heart of a topic are all as refreshing as it is educational. With a diverse background in the Marine Corps, the fitness industry, and in the retail channel all before starting his own brokerage, Mike brings a lot of no-nonsense wisdom to the table, and it leads to significant takeaways in short order. In just this episode alone, Mike provides substantiated and immediately applicable advice for peer and client relationship building, social media and advertising, VA and DPA Programs, and so much more. Mike does 50% of his business in VA Loans. His experience with VA and DPA programs leads to some invaluable insight: “VA doesn't have really strict set guidelines on debt to income or credit, and that's why it is one of the best loan programs out there, because if you get an AUS approved eligible, then it works. And if you don't get approved eligible and you have to have it manually under it and you find an underwriter that doesn't have any overlays, that goes off the VA handbook and you can get almost anything approved. I couldn't be more thankful for the fact that 50% of my business is VA Loans because it introduces me to more Veterans, and they're super easy to get close with. So I'm like a kid in a candy store. Oh, you're in the army? I'd love to help you buy a house!”  Mike doesn't take no for an answer in fighting for his clients, and takes it a step further for clients that need access to DPA programs: “A lot of Down Payment Assistance programs specific to a state or a municipality are restricted to banks and credit unions. The biggest piece of advice I can give is to do your due diligence, find out if there is a way you can offer it, or what steps would be required for you to partner with said bank or credit union so that you can offer it. And, as a broker, provide a higher level of service than they're going to get from the loan officer at the bank.” Key Points: 1:30 A Roundabout Break into the Mortgage Business 4:20 Growth Mindset of an Up-and-Coming Brokerage 6:20 VA: The Pinnacle of Loan Programs 12:29 Diligence for Success in Down Payment Assistance 17:07 Navigating the Housing Market and Communicating with Clients 19:40 Social Media - Lead Generation Through Being Relatable 27:11 Get Prepared for 2024 by Staying Hungry This episode is sponsored by RCN Capital