Podcasts about first home

Abby Askew hit a massive milestone last year when she bought her first home as a direct result of building her furniture flipping business and content brand, @FlippedByAbby. Now she's been taking viewers along the renovation journey, filling it with vintage treasures and DIY projects. This is Abby's story of how she started with curb alerts and Facebook Marketplace flips as a side hustle, scaled it into millions of followers across platforms, and turned the transformation documentation into income. She believes in spilling the tea, sharing the actual numbers, the strategies, the profit margins, because transparency doesn't threaten your success; it builds community. In this conversation, she walks us through how she actually monetized it, what quality furniture really looks like (solid wood vs. the stuff that won't resell), the brutal reality of comments from strangers, and why she deleted social media off her personal phone to protect her peace. Abby Askew is a social media influencer and content creator with a BFA in Furniture Design from Savannah College of Art and Design. Based in Orange Park, Florida, she built Flipped by Abby into a thriving content and business brand across Instagram, TikTok, YouTube, and Facebook. She created online courses to help followers learn how to flip furniture for profit and maintains a blog with DIY project guidance.Connect with Abby:IGWebsiteYouTubeTikTokLinkedInCreative finds:Secondhand Spaces with Abby AskewIn this episode, we discuss:How Abby turned furniture flipping from a side hustle into full-time income and eventually homeownershipThe business side of things like sourcing, pricing, and selling, etcHow to spot quality furniture (solid wood, dovetail joints) vs. the stuff that won't moveWhy her content shifted from "making money off flips" to "documenting the transformation itself"Harsh internet comments, unsolicited ADHD diagnoses, and why she deleted social media off her personal phoneThe truth about the 17 to 1 rule, from an actual psychologist Filling her first home with intention, one small project at a time (and loving what you've made)Why she "spills the tea" about money and numbers, and why transparency on income doesn't threaten her successHouse hunting for the ultimate fixer-upper in Florida (Where the Crawdads Sing energy)Welcome to Brush & Banter—the podcast where creativity meets real-life hustle. Brought to you by Zibra, we go beyond perfect brushstrokes to explore the messy, magical, and meaningful side of being an artist. We're here to bring you conversations with working artists, practical tips to grow your creative business, and a built-in painting companion for your next project. Brush & Banter is co-hosted by Brie Hansen, President of Zibra; Annie Bolding, Founder of It's a Disco Day Designs; and Lauren Cooper, Founder of Rosemont Lane Design Studio.Connect with Zibra: WebsiteInstagramTikTokFacebook YouTubeBlog

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Weber State head coach Eric Kjar weekly

Oregon coach Dan Lanning goes after reporters questioning Dante Moore Weber State head coach Eric Kjar misc

Mike Hart and Andrew Collinsworth give a report LIVE from Dayton following the Dragons playoff win!

Send Us A Message! Let us know what you think.New Zealand's major banks have officially lifted variable mortgage rates following the Reserve Bank's latest 25 basis point OCR hike. What does this mean for your home loan, and how are fixed rates holding up? In this episode of the Week in Review, Debbie Roberts (Owner & Financial Adviser at Property Apprentice) breaks down the biggest property and finance headlines across Aotearoa. From National's proposed $300,000 income threshold for 5% deposit First Home Loans to Barfoot & Thompson's latest August sales figures signal an Auckland market tipping point, we deliver the practical insights you need to navigate today's property market. In This Episode:Floating Mortgage Rates Shift: All five major banks (ANZ, BNZ, ASB, Westpac, Kiwibank) have raised variable rates by 25bps. Discover why 92% of Kiwi borrowers remain insulated on fixed terms and what ASB's customer repayment data tells us about household resilience. Lessons From Australia's Property Market: Australian home values fell for a fifth consecutive month, led by Sydney (-7.1% from peak). We analyze why persistent construction bottlenecks mean structural supply shortages remain unresolved across the ditch. National's 5% Deposit Scheme Expansion: National proposes raising the First Home Loan income cap to $300,000, potentially opening low-deposit options to over 90% of households. We weigh the benefits against the 1.2% government mortgage insurance fee. Auckland Market Tipping Point: Barfoot & Thompson sales dropped to their lowest August volume since 2022 while median prices edged up to $955,000. What this stabilization means for active buyers and sellers. KiwiSaver Loophole Closed for Rural Workers: A new amendment bill will finally allow farm staff, rural teachers, and police officers in employer-provided housing to access their KiwiSaver for a first home or farm purchase. Free Financial Education & Events Want to build a resilient, cash-flowing property portfolio using proven, independent strategies? Join Debbie Roberts at our next live, free online event: How to Succeed with Property Investing. 

Join Luke, Jay, Marshy and Tom as we preview Aston Villa v Nottingham Forest in the Premier League. Unai Emery has struggled against Glasner, Why, The tactical matchup. Join the guys as we look at what we think the problem normally is for Aston Villa. #astonvilla #avfc #nottinghamforest #premierleague

National's plan to expand the First Home Loan scheme could help more people buy their first home - but isn't expected to transform the housing market. The party wants to widen access to five percent deposits. If elected, National would increase the income threshold so anyone earning less than 300-thousand dollars combined could access the scheme - up from the current 95-thousand dollars for single buyers or 150-thousand for more than one. Cotality Chief Property Economist Kelvin Davidson told Ryan Bridge the change will have a limited impact - and shouldn't push house prices higher.See omnystudio.com/listener for privacy information.

National is promising to expand access to the 5 percent first home loan scheme. If elected it says it will increase the income cap for eligibility so more people can access the scheme. Singles and group buyers would be able to get it if they make $300,000 a year or less. National Party Housing spokesperson Chris Bishop explained further. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Hour 2 of Jake & Ben on August 31, 2026 Josh Furlong, Utah Insider for KSL.Com joined to talk Utah Football & Give His Thoughts on the article about Players being forced to Play Through Injuries  USC Addresses Low Attendance at First Home Game Are You Worried About Utah's Offensive Line? 

Every parent wants to give their kid a head start, but most don't realise one of the best ways to do it is inside superannuation. Today we're looking at a strategy that turns small yearly contributions into hundreds of thousands for your child by the time they retire, using rules the government has quietly left on the table. On this episode, we discuss: (00:00) Intro (00:47) Two Super Strategies Most Aussies Don't Use (01:55) Helping Your Kids Get a Leg Up via Super (02:47) The Government's Super Co-Contribution Scheme (04:02) $1,000 a Year Into Your Kid's Super (05:23) The Balance After 5 Years in Super (06:13) The Balance After 10 Years in Super (07:32) Turning $23,675 Into $354,000 for Your Kid (08:16) The $193K Cost of Starting Late (09:40) Pulling Super Out for a First Home (12:58) Moving a Lump Sum Into Super (13:57) Concessional vs Non-Concessional Contributions (16:54) How the Bring Forward Rule Works (18:00) $520K Into Super in Six Weeks (18:47) The $1.6 Million Couple With Downsizer Option (21:34) Why Super Beats a Personal Share Portfolio Check out the free resources from Inovayt here. Send us an email: hello@thenumbersgamepodcast.com.au The Numbers Game is brought to you by Future Advisory & Inovayt. Hosts:Nick ReillyJason Robinson This podcast is produced by VIDPOD. Check out our new website thenumbersgamepodcast.com.au. Browse the full show catalogue, jump straight to specific moments on the topics you love, or leave us a voice note. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

We talk with Mo Jomaa from Berti Financial about why first-home buyers are sometimes finding themselves $15,000 to $20,000 short of their deposit, superannuation can look tempting. But accessing retirement savings to solve today's property challenge comes with a longer-term cost. We examine why buyers are considering super, family support and personal loans to get into the market. You can have your say by leaving a voice message ►  https://www.speakpipe.com/realestateradio ► Website: https://aussierealestatepodcast.lovable.app ► Subscribe here to never miss an episode: https://www.podbean.com/user-xyelbri7gupo ► INSTAGRAM: https://www.instagram.com/therealestatepodcast/?hl=en  ► Facebook: https://www.facebook.com/profile.php?id=100070592715418 ► Email:  myrealestatepodcast@gmail.com  The latest real estate news, trends and predictions for Brisbane, Adelaide, Canberra, Gold Coast, Sydney, Melbourne and Perth. Gold Coast Real Estate, Adelaide Property Market, Luxury Real Estate Australia, Property Investment Podcast, Real Estate Trends 2026, Median Price Growth. We include home buying tips, commercial real estate, property market analysis and real estate investment strategies. Including real estate trends, finance and real estate agents and brokers. Plus real estate law and regulations, and real estate development insights. And real estate investing for first home buyers, real estate market reports and real estate negotiation skills. We include Hobart, Darwin, Hervey Bay, the Sunshine Coast, Newcastle, Central Coast, Wollongong, Geelong, Townsville, Cairns, Ballarat, Bendigo, Launceston, Mackay, Rockhampton, Coffs Harbour. #PropertyInvestment #RealEstateInvesting #FirstTimeInvestor #PropertyManagement #RentalYields #CapitalGrowth #RealEstateFinance #InvestorAdvice #PropertyPortfolio #RealEstateStrategies  #sydneyproperty #Melbourneproperty #brisbaneproperty #perthproperty  #adelaideproperty #canberraproperty #PerthRealEstate #hobartproperty  #RealEstate  #RealEstateNews #MortgageTips #PropertyMarket #FinanceAustralia #BrisbaneInvesting   #RealEstateDevelopment #adelaide #PerthRealEstate #FirstHomeBuyer #AustralianProperty #AustralianRealEstate #PropertyMarketUpdate #MortgageAustralia #FinanceTips #HousingAffordability #RealEstateTrends #kiwiProperty  #MortgageRates #HomeLoans  #PropertyMarket #MortgageTips #InterestRates  #BrisbaneProperty #QLDRealEstate #PropertyInvestment #AustralianHousingMarket #AdelaideProperty #goldcastproperty #InvestInAdelaide #shellhabourproperty #AustralianRealEstate #HousingTrends#MelbourneHousing #MelbourneInvestment  #MelbourneMarket  #PropertyInvestment #RealEstateTips #goldcoast #InvestmentStrategy #AustralianProperty 

Thinking about buying your first home in Phoenix, Arizona? Before you start scrolling through Zillow and scheduling home tours, there are a few important steps you should take first. In this episode, I walk you through the first-time homebuying process from the moment you start thinking about buying all the way to getting the keys. We'll cover how to determine what you can realistically afford, what goes into your true monthly housing payment, what documents W-2 and self-employed buyers should prepare, and why getting properly pre-approved should happen before you fall in love with a home. I'll also explain options that may be available for certain self-employed and 1099 buyers who don't fit neatly into traditional mortgage guidelines. And once you're pre-approved, there's one rule I want you to remember: You need to look the same as you did when we took your application. That means avoiding new debt, unnecessary credit inquiries, major financial changes, and other decisions that could create problems before closing. If buying your first home is one of your goals, this episode will give you a straightforward roadmap for going from renter to homeowner without walking into the process blind. Follow the show for more straightforward mortgage and homebuying education. And if you're thinking about buying a home in Phoenix, schedule a consultation with me so we can look at your situation and build a game plan for your next steps. Book a Conversation with me:https://tidycal.com/coachclarence/30-minute-mortgage-and-credit-consultation-strategy-call20251111195249 Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

For young Australians hoping to buy their first home, Sydney's changing property market may offer new opportunities, but affordability remains a major challenge. Real estate agent Omid Jolan discusses the compromises first-home buyers may need to make, including choosing a different location, a smaller property or an apartment or townhouse. He also looks at where opportunities may exist across Sydney and what young buyers can expect from the market over the next 12 months. - Ji bo ciwanên Australî yên ku hêvî dikin xaniyê xwe yê yekem bikirin, bazara milk ya Sydney dibe ku derfetên nû pêşkêş bike, lê erzanbûn hîn jî pirsgirêkeke mezin e. Ajansê milk Omid Jolan li ser lihevkirinên ku kirrûbirên xaniyê yekem hewce ne ku bikin nîqaş dike, di nav de hilbijartina cîhekî cûda, maleke piçûktir an apartmanek. Ew her weha li cihên ku li seranserê Sydney derfet hene û kirrûbirên ciwan dikarin di 12 mehên li pêş de ji bazarê çi hêvî bikin dinêre.

Join Patto and Daf to discuss everything Carlton FC!We were extremely fortunate to have Carlton AFLW star Yasmin Duursma on the channel this morning!If you enjoy this content, please leave a like, comment, subscribe and recommend our channel to someone who might enjoy it!Send us a message on our socials for recommendations for the channel or opinions within the Carlton Football Club!Up The Baggers!Socials - https://linktr.ee/baggerschat

The Government has introduced 46 tax measures since 2013 to stimulate house building here. Have they worked and do they represent good value for money for taxpayers? To help answer that question Ciaran Hancock is joined by Marian Finnegan, chief executive of Sherry Fitzgerald, Ireland's largest estate agent, and John McCartney, a property economics lecturer in TU Dublin, who spent 20 years working in the commercial property sector.Together they debate a range of questions that are key to Ireland's housing and property sector:How many new homes do we need per year to serve the needs of a growing population?Are schemes like Help to Buy or First Home good value for money - or do they only serve to drive prices ever higher? Is it possible to design new schemes to bolster homebuilding in areas outside Dublin, where needs remain unmet?What is the true level of vacancy around the country and what does it tell us about housing need? How healthy is the commercial property sector? Hosted on Acast. See acast.com/privacy for more information.

The Government has introduced 46 tax measures since 2013 to stimulate house building here. Have they worked and do they represent good value for money for taxpayers? To help answer that question Ciaran Hancock is joined by Marian Finnegan, chief executive of Sherry Fitzgerald, Ireland's largest estate agent, and John McCartney, a property economics lecturer in TU Dublin, who spent 20 years working in the commercial property sector.Together they debate a range of questions that are key to Ireland's housing and property sector:How many new homes do we need per year to serve the needs of a growing population?Are schemes like Help to Buy or First Home good value for money - or do they only serve to drive prices ever higher? Is it possible to design new schemes to bolster homebuilding in areas outside Dublin, where needs remain unmet?What is the true level of vacancy around the country and what does it tell us about housing need? How healthy is the commercial property sector? Hosted on Acast. See acast.com/privacy for more information.

And just like that, we've reached the final step. Exchange & Completion - the moment you've been waiting for! In this last episode of On The Ladder, our exclusive series for first-time buyers in the UK, I'm joined by the brilliant Gemma Bennett to talk you through exactly what happens at the finish line. We cover: - What exchange actually means (and why it's such a big deal)  - What happens between exchange and completion - What to expect on completion day - funds, keys, and that surreal moment it becomes yours - The jobs you don't want to forget - buildings insurance, removals & final checks If you've been with us from episode one, thank you. If you're jumping in here at the end, welcome - go back and watch the full series, we've designed it to hold your hand from saving that deposit right through to getting the keys. You've got this. And we're so proud of you for getting On The Ladder.  

Your parents don't need a pile of cash to help you buy your first home. James and Mike break down three ways parents can help first home buyers in NZ get onto the property ladder, from a gifted deposit or family loan to using parents' equity, plus the lending requirements and risks to consider when buying your first home.Next steps: Looking to buy your first home but not sure how to pull together your deposit? Speak to the Lighthouse mortgage team to understand your options and how family support could help you get there sooner. For more money tips follow us on:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

941. Should you buy a rental property before your first home? Laura answers a listener's question about the pros and cons of 'house hacking' as an investment strategy — including how much you really need to save, what lenders require for investment properties, and whether becoming a landlord first is actually a smart path to building wealth. Discover more from Money Girl!FacebookMoney Girl NewsletterThe Money Stack NewsletterTranscripts available at QuickandDirtyTips.com.Email: Laura@LauraDAdams.com or leave a voicemail: (302) 364-0308. Hosted on Acast. See acast.com/privacy for more information.

What happens when a contractor stops selling equipment and starts selling solutions? Tim O'Brien explains the shift.

Money correspondent Susan Edmunds spoke to John Campbell about active first-home buyers and whether the purchases are likely to pay off as investments.

What would make you finally take control of your money?For 29-year-old marketer Ally, it was watching her mum navigate life after divorce. Seeing someone she loved suddenly have to learn how to manage money from scratch made Ally realise she never wanted to be in that position herself.So she taught herself.Through podcasts, books and hours of research, Ally built the confidence to start investing, buy her first home and prepare financially for her first baby - all without a background in finance.In this episode, Ally joins Jess to share how she overcame analysis paralysis, built an investment portfolio from scratch and the lessons she's learnt as her investing journey has evolved alongside life's biggest milestones.This is 'How I Got Started' a series on Get Started Investing. Every Thursday Jess sits down with a community member to hear the highs and lows of their journey to investing. These are real stories that we hope will give you confidence that investing is for anyone.P.S. In this episode, Jess and Ally discuss the question many homeowners face: Should you keep investing or focus on paying down your mortgage?After recording this conversation, Jess sat down with a financial adviser to unpack the pros and cons of both approaches. If you're asking yourself the same question, you can listen to that episode here.For more regular updates from Jess' investing journey, follow along on instagram at getstartedinvesting_Chapters:00:00:00 Building A Simple Life And Strong Finances00:05:05 The Family Experience That Changed Everything00:09:19 Learning To Invest One Step At A Time00:13:12 From Spare Cash To A Real Portfolio00:18:49 Why She Paused Investing To Buy A Home00:22:52 Saving For A Baby Without Losing Momentum00:25:36 How They Manage Money As A Couple00:28:53 The Biggest Lesson For New Investors00:30:08 Investing For Freedom, Not LuxuryLinks mentioned in this episode:

Ryan Ruocco of YES Networks joins Craig Carton and Chris McMonigle to discuss his call of George Lombard Jr.'s first home run as a Major League Baseball player for the New York Yankees!

In this episode of The D.O. Show, host Dustin Owen dives deep into practical strategies for buying a first rental property without facing the typical large down payment barrier that often discourages new investors. Drawing on his extensive 20 years of experience in the mortgage industry, Dustin breaks down how purchasing a primary residence can be a smart and accessible entry point into the world of real estate investing. He thoroughly explains the benefits of owner-occupied financing, which often comes with lower down payment requirements and more favorable loan terms compared to traditional investment property loans. Dustin also explores the concept of house hacking, particularly in multifamily properties, where buyers can live in one unit while renting out the others to offset their mortgage and build equity more quickly. He discusses the process of converting a starter home into a rental property after moving on to a new primary residence, highlighting how this approach can gradually grow a real estate portfolio with manageable risk and investment. Throughout the episode, Dustin emphasizes the importance of realistic financial planning, including budgeting for unexpected expenses and ensuring adequate cash reserves. He encourages listeners to thoroughly research local rental markets to understand demand, rental rates, and neighborhood trends. Dustin also covers the essential responsibilities of being a landlord, such as property maintenance, tenant screening, and legal compliance, to help new investors avoid common pitfalls. Finally, he urges listeners to adopt a long-term perspective, viewing their first home purchase not just as a place to live but as a strategic stepping stone toward building lasting wealth through real estate. By sharing actionable tips and real-world examples, Dustin empowers aspiring investors to take confident first steps on their journey to financial independence and portfolio growth. Let our team connect you with a Real Estate Expert local to you! https://tloponline.com/real-estate-help/ 

1038. Are you thinking about buying your first home but feeling overwhelmed by interest rates, upfront costs, and hiring a real estate agent? Host Laura Adams walks you through 9 tips every first-time homebuyer must know to protect their finances and land the right deal.Key Takeaways:How subtle changes in your credit score can save (or cost) you tens of thousands in today's rate environment.Most mortgage underwriters look for a maximum debt-to-income ratio of 45% to 50%, which includes your existing debts plus the new estimated housing payment.Hidden homeownership expenses—from surging insurance premiums to HOA fees.You should budget 2% to 5% extra for closing costs beyond your down payment to cover loan origination, appraisals, taxes, insurance reserves, and title fees.Why you need an additional 5% of a home's purchase price saved on top of your down payment.A prequalification provides a loose baseline for house hunting, but you need a verified preapproval before making official offers on properties.Contract contingencies, such as financing, appraisal, and home inspections, safeguard your earnest money deposit if unmanageable structural defects arise.Discover more from Money Girl!FacebookNewsletterTranscripts available at QuickandDirtyTips.com.Email: Laura@LauraDAdams.com or leave a voicemail: (302) 364-0308. Hosted on Acast. See acast.com/privacy for more information.

With interest rates and property prices constantly making headlines, many first-home buyers are wondering whether they should buy now or wait. SBS Urdu speaks with an housing expert and a first-home buyer about market conditions, financing options, and the key factors every buyer should consider before taking the plunge. - آسٹریلیا میں گھر خریدنے کا خواب بہت سے لوگوں کے لیے پہلے سے کہیں زیادہ مشکل محسوس ہوتا ہے۔ گھروں کی قیمتیں اب بھی بلند ہیں، رہائش کی قلت برقرار ہے اور شرحِ سود میں مسلسل اضافے کے بعد خریدار محتاط دکھائی دیتے ہیں۔ دوسری جانب بعض ماہرین کا کہنا ہے کہ اگرچہ مارکیٹ آسان نہیں، لیکن کچھ ایسے عوامل بھی سامنے آ رہے ہیں جو پہلی مرتبہ گھر خریدنے والوں کے لیے نئے مواقع پیدا کر سکتے ہیں۔ تو سوال یہ ہے کہ کیا موجودہ حالات میں پہلا گھر خریدنے کا فیصلہ درست ہوگا؟ہر بدھ اور جمعہ کا پورا پروگرام اس لنک پرسنئے , اردو پرگرام سننے کے دیگر طریقے SBS Audio کے نام سے موجود ہماری موبائیل ایپ ایپل (آئی فون) یا اینڈرائیڈ , ڈیوائیسزپرانسٹال کیجئے۔ پوڈکاسٹ سننے کے لئے نیچے دئے اپنے پسندیدہ پوڈ کاسٹ پلیٹ فارم کا انتخاب کیجئے:  Spotify Podcast , Apple Podcasts - ہر بدھ اور جمعہ کا پورا پروگرام اس لنک پرسنئے , اردو پرگرام سننے کے دیگر طریقے SBS Audio کے نام سے موجود ہماری موبائیل ایپ ایپل (آئی فون) یا اینڈرائیڈ , ڈیوائیسزپرانسٹال کیجئے۔ پوڈکاسٹ سننے کے لئے نیچے دئے اپنے پسندیدہ پوڈ کاسٹ پلیٹ فارم کا انتخاب کیجئے:  Spotify Podcast , Apple Podcasts

Dan Sharkey from Mariner tackles the complex financial reality of buying your first home, moving beyond the thrill of online listings to demystify the path to true homeownership. He discusses why treating a home as a long-term lifestyle commitment—rather than just a simple investment—may help reduce the stress that often accompanies this whirlwind process. Learn why looking beyond the initial mortgage payment to account for hidden maintenance costs, utility fluctuations and debt-to-income ratios is a critical skill for new homeowners. Discover how working with an advisor can help you model realistic financial goals so you are better prepared for the long haul and move into your first property with greater confidence that you are setting yourself up for a long-term homeownership

Senior Associate in Grattan Institute's Economic Prosperity and Democracy Program Matt Bowes joined Ross Stevenson and Russel Howcroft to discuss the growing trend of Victorians increasingly open to buying property with friends, family or multiple generations.See omnystudio.com/listener for privacy information.

For many parents...One of life's greatest joys is watching their children buy their first home.But today's housing market is very different from the one many of us experienced.Higher home prices.Higher down payments.Higher closing costs.It's causing many parents to ask an important question...Should we help our children buy their first home?The answer may be yes...But how you help may be just as important as whether you help.Today we're discussing the options every family should consider before writing that first check.

From massive life changes to big money gifts, this week's dilemmas are proof that even good things can still keep you up at night

In this episode, Giovanny Mirabal, aka the Mortgage King, shares his journey into the mortgage industry, his unique approach to client service, and his vision for becoming Florida's most trusted mortgage broker. We explore strategies for building relationships, leveraging technology, and navigating market 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   —--------------------

We have Joel in the hot seat today, while Dan is away. Tim and Joel are talking The First Home Super Saver, she is back in the news, and we thought it timely to recap on who and what this scheme is. 

Ray White speaks to John Loos, Independent Economist, about why the average age of South Africa's first-time homebuyers continues to rise and what it says about the country's housing market. Are millennials and Gen Z being priced out of the market altogether, or are changing work patterns, incomes and lifestyle choices also reshaping when South Africans choose to become homeowners? The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.    Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa     Follow us on social media   702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702   CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Pete Crow-Armstrong's hot streak is carrying the Cubs, seller beware at the MLB trade deadline and White Sox pitcher Davis Martin loses first home game of season (HOUR 1) full 2554 Thu, 09 Jul 2026 19:10:00 +0000 IMJYxnhoHuUat7LfKbb7Z2bfnxiAcbng sports Rahimi, Harris & Grote Show sports Pete Crow-Armstrong's hot streak is carrying the Cubs, seller beware at the MLB trade deadline and White Sox pitcher Davis Martin loses first home game of season (HOUR 1) Leila Rahimi, Marshall Harris and Mark Grote bring a thoughtful, fast-moving approach to Chicago sports, pairing sharp insight with real personality. They break down the day's biggest stories across the NFL, MLB, NBA and college sports, with Chicago always leading the conversation — from the Bears and Cubs to the Bulls, White Sox and more. Known for smart analysis, honest takes and lively discussion, the show offers Chicago fans a well-rounded, informed perspective on everything happening in the city's sports landscape. Catch the Rahimi, Harris & Grote Show live Monday through Friday from 10 a.m. to 2 p.m. on 104.3 The Score or on the Audacy app. © 2026 Audacy, Inc.

Buying your first home is about much more than finding the right house. In this episode of Behind the Wealth, Casey Mushrush is joined by experienced Realtor Corey Rath to discuss today's housing market, down payments, mortgages, home inspections, hidden costs, affordability, and the financial decisions every first-time homebuyer should understand before making an offer. Whether you're planning to buy this year or just starting to save, this conversation can help you avoid costly mistakes. Follow Cory:  https://coryrath.com/ https://www.instagram.com/coryrathrealtor/  https://www.facebook.com/CoryRathRealtor/    Notes from the show:  Study Cory Referenced on Adults Aged 18-29 Living At Home https://www.pewresearch.org/short-reads/2020/09/04/a-majority-of-young-adults-in-the-u-s-live-with-their-parents-for-the-first-time-since-the-great-depression/    Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing. Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. Cory Rath and their company are not affiliated with or endorsed by LPL Financial or Premier Investments & Wealth Management. There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.

They thought they weren't ready to buy a home - until one conversation changed everything.In this episode, we follow Harsh and Hiral's first home buying journey, from budgeting struggles and saving a 5% deposit to navigating pre-approvals, real estate agents, failed offers, due diligence, KiwiSaver withdrawals, and ultimately securing their first home in Auckland.Next Steps: Thinking about buying your first home but not sure where to start? Speak to the Lighthouse Mortgages team today and get a clear plan to understand your borrowing power, budget, and next steps.For more money tips follow us on:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

Buying a home in 2026 may be more achievable than you think—if you know where to start and which myths to ignore.If you're feeling overwhelmed by today's housing market, you're not alone. This episode introduces the 10-step Homebuying 101 framework designed to help first-time buyers build confidence, create a personalized plan, and understand their real options. You'll learn why education—not affordability alone—is often the biggest obstacle standing between renters and homeownership. Plus, David shares three simple action steps you can take today to start moving toward your first home.“It's not affordability that's holding back first-time homebuyers. It's the lack of quality education.” — David Sidoni, First Time Homebuyer Coach HighlightsWhy do so many renters believe buying a home is impossible in 2026? What mistakes are keeping first-time buyers from getting started sooner? How can a rent replacement strategy change the way you think about homeownership?What three actions can you take today to begin preparing for your first home purchase?Check out our updated 2026 First Time Homebuyer's Episode Guide - Over 100 of our BEST Episodes of Detailed Homebuying Knowledge, Interviews, and MORE! Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

First-time homebuyers may get short windows of relief, but our co-head of Securitized Products Research James Egan and Senior Economist and Strategist in Morgan Stanley's Private Wealth Management Sarah Wolfe say the bigger story is a housing market resetting around a higher bar to entry.Read more insights from Morgan Stanley.----- Transcript -----James Egan: Welcome to Thoughts on the Market. I'm Jim Egan, Morgan Stanley's U.S. Housing Strategist and Co-Head of Securitized Products Strategy.Sarah Wolfe: And I'm Sarah Wolfe, Senior Economist and Strategist within Morgan Stanley Wealth Management.James Egan: And today, why first-time homebuyers are facing a tougher path to ownership.It's Tuesday, June 23rd at 10am in New York.Buying a first-time home has always been a big step, but for a growing number of first-time buyers today, the goal can really seem insurmountable.Mortgage rates might be down from where they were in the second half of 2023, but they're significantly higher than they were for the several years before that. Monthly payments have roughly doubled for a median-priced home. And my colleague Jay Bacow and I have talked several times on this podcast about how many homeowners feel like they're locked into those lower rates.And they're staying put because they just don't want to give up a two or three-handle mortgage rate for something that has a six in front of it. But Sarah, as we know, this is bigger than just first-time buyers. Now, they often start the housing transaction chain, and when they can't buy, current owners may not be able to sell and trade up.That slows turnover across the market, and it also reduces activity tied to housing – from mortgages and renovations to moving and furniture. And it can keep would-be buyers renting for longer, which adds pressure to rental demand.So, how do you see this situation? Is this just another affordability squeeze, or has the housing market reset to a higher barrier to entry?Sarah Wolfe: I do think that we're on the upper bound of affordability pressures. This is about as bad as it's going to get. But as we discussed in our recent publication of The Economy Explained, unfortunately, we do think that the housing market is resetting at a structurally higher barrier to entry. There's a lot of reasons for that.The first is higher interest rates. Yes, mortgage rates are sitting around 6.5 percent, and they should come down from here, but maybe not better than 5.5 percent, right, in an optimistic scenario. The second is demographic pressures. Remember, we have this tremendous aging population of baby boomers. All of their children are now entering their prime home-buying years, so there's a lot of demand for ownership.The third and fourth ones are land regulation and permitting, which is at the state and local level, really hard to change. And the last one is climate risk. It's just raising insurance pricing and making it much more difficult to buy a home.So overall, we see a world where, yes, mortgage rates come down a bit, improve affordability marginally, but we think neutral and other interest rates at the longer end of the curve are going to be higher than the post-financial crisis period. And what we're going to see is that those forces are going to widen the divide between who can own a home and who cannot. And who gains from that wealth accumulation and who does not.James Egan: Right. So now, you mentioned where mortgage rates are today, above that 6 percent rate. Rates did briefly – in February, we got below 6 percent before they bounced back up here. Why did that short-lived relief matter so much?Sarah Wolfe: I think that short-lived relief showed us that moves in the mortgage rate make a difference, but things are so unaffordable that it didn't make that much of a difference.So, the dip below 6 percent was very exciting. It happened this past February. It was the first time that mortgage rates fell below 6 percent since 2022, and we saw a few things happen. First, it lowered the monthly payment for first-time homebuyers from about two point two thousand dollars a month to one point nine thousand.So makes a bit of a difference. And it lowered the share of income that goes towards monthly mortgage payments from about 26 percent of income to 22 percent, from peak to trough. So, that is a notable improvement. But what we saw in the new home sales data and the existing home sales data, that it did not drive people back into the housing market.I want to turn it back to you though, Jim, because you've actually done a lot of interesting work on this. And how this change in mortgage rates has changed the monthly cost that people have to pay for a median-priced home. Can you tell us a little bit more?James Egan: Sure. So, we talk about the lock-in effect a lot, and it's kind of easy to point to: Well, there are a lot of people with mortgage rates that are around 3 percent or 3.5 percent, and the prevailing rate's at 6 percent, and that's a lot higher, so they're locked in.But when we look at the actual numbers in terms of what we're asking a homeowner to do – to list their home for sale and move to another home today, pay off that existing mortgage, take out a new one. When you take into account how much higher home prices are today…You bought a home in 2016, for instance, right? Let's assume you refinanced in 2020 or 2021 if you still live there, right? Most homeowners did. So, you've actually taken your monthly payment, and it is lower today than it was when you bought your home in 2016. If we assume that your income has risen alongside just median household income over that time period, your monthly payment as a share of your income today is probably sub 8 percent.If you bought over the past three years, your monthly payment is a share of your income. You mentioned some numbers earlier. It's low to mid 20 percent. From a dollar amount perspective, if you were to pay off that 2016 mortgage, as an example, and take out one today, your payment is probably [$]13[00] or $1400 higher. It's like a 200 percent increase. That's very difficult economically for a lot of households, and that's the kind of physical manifestation of that lock-in effect.Now, Sarah, given this significant change in housing math, what does that mean for who is actually able to buy in this market?Sarah Wolfe: It's making who's able to buy into the market a lot more selective. So, what we're seeing is that first-time home buyers today are actually not meaningfully older. They're still about 36 years old, but they are a much more selective group financially. The Federal Reserve Bank of New York put out a great analysis on this recently, and they basically found that the first-time home buyer profile today is taking out a mortgage that's nearly $350,000, compared to $240,000 in 2019 and $200,000, a decade ago. So, significant increase in mortgage balances.At the same time, credit standards have tightened significantly, so that average credit score to get a mortgage has risen quite a bit over the last 5 to 10 years. And what this is doing is it's shifting who can buy and also where they can buy. So, we're seeing higher-quality home buyers moving to lower-income zip codes. So, buying cheaper homes in lower-income metro areas, and so it's wealthier buyers in lower-income areas.And that's the really big shift that we're seeing. It's a demand resorting story. And what we're also seeing, and we hear this a lot when we talk to our financial advisors and their clients, is that family is increasingly helping their other family members put that down payment down; in particular, parents helping their children buy that first home.So, we're seeing that first-time buyers may be feeling this pressure, right, when it comes to rates. How much of this affordability issue, though, is being driven by the locked-in effect specifically?James Egan: So, look, it's clearly playing a role. We just talked about some of the math behind that. But then when you look at what that means on a nationwide basis when it comes to inventory, when it comes to so many other aspects of this, that homeowner who's unwilling to give up that lower mortgage rate, that lower payment, right, their homes are off the market.Existing inventories for sale, they've picked up from historic lows in 2023, but they're still very, very low on a long-run basis. The fewer homes there are for sale, the more upward pressure or the absence of downward pressure that's going to put on home prices, right?We saw affordability plummet in 2022 and 2023 when rates backed up. We saw existing home sales really, really come down as a result. But home prices remained at record highs. They continued to set new record highs. For home prices to actually come down, right, you need people who are willing to sell at lower home prices.Sarah, you just mentioned that lending standards themselves remain tight.Sarah Wolfe: Mm-hmm.James Egan: Those forced sales, those tend to be distressed transactions. We don't see that distress in the market providing the inventory and the motivated inventory to lead to softer home prices. So, it's really that lack of inventory which we think is in large part driven by the lock-in effect that's kept home prices. And as a result, that piece of the affordability equation kind of stuck at these higher levels.Sarah Wolfe: I mean, it's really this vicious cycle, the locked-in effect making it difficult for entry-level buyers to get into the market – and then fewer existing homeowners sell or trade up or relocate. So, on and on it goes.Are there broader implications of this freeze?James Egan: Right. So, we just talked about what that means from an inventory perspective. And then if you think about affordability remaining challenged, lending standards themselves remaining tight, inventory remaining as low as it is, you could argue that we're at one of the more difficult times that we've seen for renters to exit rentership and step into homeownership.Now, there's a lot of different things that drive rent growth, and the fact that you have a stuck renter is just one of them. The other side of that equation can be the supply of rental units, right? So that's just a piece of the equation.But those are some of the externalities that we think about when it comes to how the tightness of the housing market – what the lock-in effect and what affordability is doing there. But outside of the housing market, Sarah, the wider economy, like how do these housing costs play a role there?Sarah Wolfe: Massive effect. Some of the work that we've done shows that housing affordability is the number one driver pushing down fertility rates in America. The number one driver. Above childcare costs, above finding a partner, finding a good job. It's housing affordability. So, you could see how that could pretty significantly ripple through the broader economy.But there's other components, right? So, as we discussed earlier, it's driving migration from unaffordable areas to more affordable regions. That has significant implications. And then putting my consumer economist hat on, as we discussed earlier in the podcast, when people buy a home, they tie themselves to that home. They spend money on couches, on beds, on TVs, right? Durable goods. And if we're going to have more people as renters for longer, that's going to expand the services economy at the expense of the goods economy.All right. Let's take a step back and think about where this is all going. It hasn't been a very optimistic conversation. Jim, what is the outlook for affordability in your view? Do we get anywhere back to the post-financial crisis period or even the pre-financial crisis period?James Egan: When it comes to the outlook for mortgage rates, the outlook for affordability, the outlook for the U.S. housing market – look, we just, throughout Morgan Stanley Research and Strategy, published our 2026 major outlook. From now through the end of 2027, we don't have conventional mortgage rates getting below 6 percent.We do have affordability improving on the margins. We have income growth exceeding home price appreciation that makes it a little bit better, but that doesn't get us back to the post-GFC affordability era, which was very, very affordable. Looking back over the past several decades, it gets us closer to where we were pre-GFC, not all the way back there.But when we think about how that ripples through the housing market and how we think about that evolving from here, look, we do think that the state of mortgage credit availability means there will be a lack of distress. We think that while affordability itself may be challenged and inventories may be low, there is some level of housing activity that has to occur regardless of where mortgage rates are or affordability is.We think we found that level. We think there's support for home sales at these current levels, and that combination of support for home sales, lack of inventory, means that home prices, very little room for them to grow from here. But we think they're going to be pretty supported.So, from a housing market perspective, at a ten-thousand-foot view, we're calling it 1-2 percent growth in sales, in home prices, well-supported. But the affordability outlook that we've outlined throughout this podcast – challenged to see a lot of acceleration.Now, when we pull it back to the first-time home buyer, based on our conversation, it seems that the key question is becoming less about when to buy, more about who can still afford to enter the market.But Sarah, it's really been great talking with you about the housing market today.Sarah Wolfe: It was great speaking with you, Jim.James Egan: And thanks for listening. If you enjoy Thoughts on the Market, please leave us a review wherever you listen and share the podcast with a friend or colleague today. ***Sarah Wolfe is a member of Morgan Stanley's Wealth Management Division and is not a member of Morgan Stanley's Research Department. Unless otherwise indicated, her views are her own and may differ from the views of the Morgan Stanley Research Department and from the views of others within Morgan Stanley.

What do Saltair, Antelope Island, and Liberty Park's amusement park have in common? They all have one-star reviews. We dive into the most brutal one-star reviews of Utah landmarks, including the Tooele aviation marker and debate whether these spots are truly overrated or just misunderstood. Plus, the 2026 World Cup's Adidas Trionda match ball is packed with sensors that transmit data 500 times per second… and yes, it has to be plugged in and charged before every game. Then, the median age for a first-time homebuyer just hit 40 — an all-time high — so we're making it our personal mission to help Caitlyn beat the average (even if Ethan has to cover the down payment). And Commodore is back with the Callback 8020, a $500 retro flip phone designed for digital detox that blocks social media but still runs WhatsApp.    KSL Brightside streams live weekdays 12–3 PM, with a YouTube-exclusive live stream from 12–1 PM and radio plus YouTube from 1–3 PM.

On this week's edition of the LOI Wrap-Up, a new series highlighting all the action, reaction and storylines of the weekend's League of Ireland Action, Ross Flanagan brings you through last night's packed action as:Sligo's last minute winner hands the leaders another defeatIreland call-up Devoy performs out westEd McCarthy scores a goal of the season contenderShels pick up first home winCork firmly put themselves top of First DivisionA full Women's Premier Division SaturdayAnd, Monday's double headerBecome a member and sign up at offtheball.com/join

Lionel Messi and Inter Miami have their first home win at Nu Stadium at last, but now have a fan protest to deal with. Show host Franco Panizo dives into the viral and tense exchange between Messi and La Familia in the 2-0 victory over the Portland Timbers, analyzes the importance of Luis Suarez's new role, highlights Gonzalo Lujan's positive contributions, and more.

Inter Miami finally win their first ever match at Nu Stadium with a 2-0 victory over Portland Timbers.But instead of the result being the main story… the supporters protest and Lionel Messi's visible frustration after the match have become the biggest talking points.In this episode of Battered Herons we break down:• The first home victory at Nu Stadium • Key performances in the 2-0 win • The atmosphere and supporters protest • Messi's reaction after the game • Why this story has dominated the last 24 hours • What this means moving forwardWas this a historic night… or a distracted one?#InterMiami #Messi #MLS

A first-time buyer couple shares how the right team, strategy, and mindset helped them win a home—without the highest offer. Jessica and Matt never expected to buy a home, especially given Matt's lifelong experience living in church-provided housing. But after connecting with a true first-time homebuyer specialist, their perspective—and timeline—completely changed. This episode breaks down how they navigated different comfort levels as a couple, built confidence through education, and made smart financial decisions to avoid becoming house poor. You'll also hear how their agent helped them compete strategically in a multiple-offer situation, ultimately winning their home despite not having the top bid. If you're feeling unsure about when or how to buy, this story shows what's possible with the right guidance and preparation. “We didn't think we were going to buy a home until we retired.” — Jessica & Matt HighlightsWhat's the real difference between a Zillow agent and a true first-time homebuyer advocate?How do you move forward when one partner is ready and the other is hesitant?What financial decisions help you avoid becoming house poor after you buy?How can you win a home in a competitive market without offering the highest price?Check out our updated 2026 First Time Homebuyer's Episode Guide - Over 100 of our BEST Episodes of Detailed Homebuying Knowledge, Interviews, and MORE! 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!

Subscribe for ad-free episodes + bonus content: https://realestatemarketminute.supercast.com/ Instagram: @thesalibgroup Email: mark@thesalibgroup.com The average age of first-time homebuyers has risen to 40—so is buying a home later in life still a smart financial move?In this episode, we break down insights from a recent Realtor.com article and analyze whether buying a house at 40 still makes sense in today's housing market.If you're wondering whether it's too late to buy a home, how real estate fits into your financial plan, or what the long-term numbers actually look like, this episode breaks it down clearly.

The guys speak with the people on their first segment debate.

Marc Ryan (in for Valenti) and Rico have a debate on the proper etiquette for fans when catching an MLB player's first home run.

Mississippi State dropped the opener and will look to even the series this evening at Dudy Noble Field.Our Sponsors:* Check out BetterHelp: https://www.betterhelp.comAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Buying your first home can feel overwhelming, especially in today's market with rising prices and higher interest rates. In this episode, we sit down with real estate expert Scott Harris to break down how first-time buyers can move forward with confidence. Scott, founder of Magnetic Real Estate and author of The Pursuit of Home, shares why so many buyers feel stuck and how to overcome that fear with the right preparation and mindset. We discuss how to save for a down payment, get pre-approved, choose the right real estate agent, and navigate the emotional side of buying a home as a couple. If you've been sitting on the sidelines wondering when to buy or how to start, this episode will help you take your next step toward homeownership with clarity and confidence. RESOURCES Andy Hill's book Own Your Time The Pursuit of Home (Book) – Scott Harris' guide to navigating the home buying journey. HOW WE MAKE MONEY + DISCLAIMER This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. CREDITS Podcast Artwork: Liz Theresa Editor: Johnny Sohl Podcast Support: Andy Hill Learn more about your ad choices. Visit megaphone.fm/adchoices