Podcasts about first time buyers

Can't get a mortgage approved - even though you're paying high rent?  In this episode of On The Ladder, Sarah Tucker breaks down a new mortgage product from Gen H that could be a game-changer for first-time buyers struggling with affordability. It's called a part and part mortgage, and it allows you to buy with just a 5% deposit — while keeping monthly payments lower by putting part of the mortgage on interest-only.

Is the housing market broken, or just misunderstood? Ron Phillips cuts through the noise to explain why affordability is collapsing for first-time buyers and why interest rates aren't the real culprit. Dive in as he breaks down the true barriers, rising costs, debt loads, and all-cash competition, and shares clear strategies for investors to buy smart, stay cash-flow positive, and build wealth while others wait for a "reset" that may never come.   WHAT YOU'LL LEARN FROM THIS EPISODE   Why the biggest issue in real estate isn't rates A gap between first-time buyers and cash-rich repeat buyers 2 factors reshaping who controls the housing market How long-term investors can still win using fundamental buying rules The dangers of listening to perpetual "crash" predictors and market timers   RESOURCES MENTIONED IN THIS EPISODE NAR 2025 Profile of Home Buyers, Sellers Reveals Market Extremes  Mortgage Applications Increase in Latest MBA Weekly Survey    CONNECT WITH US: If you need help with anything in real estate, please email invest@rpcinvest.com  Reach Ron: RP Capital Leave podcast reviews and topic suggestions: iTunes Subscribe and get additional info: Get Real Estate Success Facebook Group: Cash Flow Property Facebook Community Instagram: @ronphillips_ YouTube: RpCapital Get the latest trends and insights: RP Capital Newsletter  

Shanta's story shows how setting a goal, staying focused, and using the right support team can turn dreams into keys.Watch the Interview on YouTubeIn this episode, David interviews Shanta, a single mom and veteran who overcame delays and life stress to finally buy her first home. After discovering the podcast by accident, she educated herself, set a firm deadline, and followed through with discipline. Shanta used a VA loan, secured her Certificate of Eligibility, and worked with a vetted HBH Realtor and lender to close on a home in an affordable rural area. Her journey is packed with actionable advice, major laughs, and a reminder that your goal is still possible—no matter your timeline.“Stay focused. Stay focused. Stay focused.” - ShantaHighlightsWhy setting a personal homebuying deadline can make all the differenceHow Shanta overcame delays from COVID, moving, and parenting stressTips for using a VA loan and finding the right Realtor/lender teamThe value of educating yourself before talking to banks or agentsFunniest inspection comment ever—courtesy of Shanta's momConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

We're back with part 2 of our First-time Buyer Special for 2025. Paul & Megan are again joined by Tzana Webster (Head of Estate Ageny, Ralph Sayer) and Aileen Venables (Partner, Harper Macleod) who chat through what happens after an offer is accepted as well as busting some property myths. If you haven't seen part one, you can watch it here: https://youtu.be/myY5e-yWif0Watch our First-timer Club to learn about the home buying process: https://www.youtube.com/playlist?list=PL5a0g5ma7LrlGitnnJuaqHd7zml_rk-vBRead our First-time buyer advice: https://espc.com/advice/first-time-buyersFind an ESPC solicitor: https://espc.com/find-an-agentChapters:0:00-0:37 Intro0:37-1:39 What happens after an offer is accepted?1:39-3:00 What is a title deed?3:00-4:20 How chains affect the legal process4:20-5:01 How the money side of things work5:01-6:03 How can you know you're in a property chain6:03-6:37 Using a LISA6:37-7:30 What you can do while your legals are completed7:30-9:54 Declaring a gifted deposit9:54-13:48 What costs do you pay as a first-time buyer13:48-15:55 What are your rights when moving in?15:55-16:36 Do buyers understimate moving in costs?16:36-20:24 Picking your move in date20:24-21:08 What's the one thing first-time buyers should do before a viewing21:08-21:52 Busting property myths21:52-24:23 What's one thing makes the most difference to first-time buyersGot a question for us? Send us a text message! Enjoy the episode? We'd love to hear from you! Send your questions and comments to us directly on marketing@espc.com or via our social media channels. You can also help other people find us by sharing the episode or leaving us a review and rating from wherever you're listening!To find out more about ESPC and our solicitor estate agent member firms, you can head to our website.You can read our most recent house reports here: http://bit.ly/3CQlEQwRead the latest news from the property market in Edinburgh, the Lothians, Fife and the Scottish Borders here: http://bit.ly/3IPOR1TESPC is more than just a market leading property website. We are the home of property and are here to help you at every stage of your property journey.

Want to know what is ahead for finance and borrowing in 2026, and how to win the game of money? Today, I’m joined by Nick Aves from Purely Finance to break down the current property market and offer finance strategies for navigating the challenges buyers and investors face with rising prices and limited supply. It’s crucial to manage borrowing capacity and make informed decisions in this tough lending environment. With interest rates stabilising but lending policies remaining tight, Nick reveals the key shifts in trust lending and cross-collateralisation, plus actionable tips for restructuring your loans to maximise borrowing power. Dive into the finance strategies you need to stay ahead in Perth’s competitive property market. Let’s go inside. Resource Links: Get your Strategic Portfolio Plan and our help with Buying Your Next Perth Property (https://www.investorsedge.com.au/invest-in-perth-property/) Get email updates about suburb intelligence reports and exclusive invites to our webinars, events, and workshops. Join (investorsedge.com.au/join) Join the Perth Property Investment Facebook Group (https://www.facebook.com/groups/perthpropertyinvestors) Join Jarrad Mahon’s Property Investor Update (https://www.investorsedge.com.au/join) For more info on our award-winning and highly rated Property Management services that give you guaranteed peace of mind (https://www.investorsedge.com.au/perth-property-management-specialists/) For more info on how our Property Sales services can ensure you get the best selling price while handling all the stress for you (https://www.investorsedge.com.au/selling-your-perth-property/) Episode Highlights: Intro [00:00] Market Conditions and Buyer Challenges [02:01] Lender Policies and Trust Lending [03:55] First-Time Buyers and Parental Assistance [11:21] Investment Strategies and Market Outlook [24:44] Tips for Buyers and Investors [27:17] Thank you for tuning in! If you liked this episode, please don’t forget to subscribe, tune in, and share this podcast. About the Guest: Nick Aves is the Director and a seasoned Finance Broker at Purely Finance, bringing over 30 years of experience in the finance industry. He began his career as a trainee and quickly advanced to managing complex business lending portfolios exceeding $65 million. In 1998, Nick applied his business acumen by purchasing and successfully operating the award-winning Dear Friends Restaurant in Swan Valley before returning to finance as a broker. Known for his dedication and expertise, he has consistently earned PLAN Australia’s Sales Master Award since 2005 and was recognized among the MPA top 100 brokers in Australia in 2007. With a Diploma in Financial Services and extensive knowledge in banking, business finance, and development, Nick provides tailored advice on investments, loans, and insurance to help clients achieve financial success. Outside of work, he enjoys sailing on the Indian Ocean. Connect with Nick: LinkedIn: https://www.linkedin.com/in/nickaves/ Website: https://www.purelyfinance.com.au/team/nick-aves/ Connect with Perth Property Insider: Subscribe on YouTube: https://www.youtube.com/@InvestorsedgeAu Like us on Facebook: https://www.facebook.com/investorsedge See omnystudio.com/listener for privacy information.

In this conversation, Ray Grewe shares his journey in the mortgage industry, highlighting his early success and the challenges he faced while transitioning to a more community-focused approach. He discusses the importance of aligning with the right team and the ongoing grind required to achieve success.   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   —--------------------

What if you focused on keeping your customers (and employees) instead of just finding new ones? Join us with retention expert Joey Coleman to get the 8‑phase playbook every founder needs.

This is one of our most popular episodes of previous seasons - the First-time buyer Special! Here's the first part of our recording with property experts Tzana Webster (Head of Estate Agency, Ralph Sayer) and Aileen Venables (Parter, Harper Macleod) where Paul & Megan find out everything first-time buyers need to know about buying property in the current local market. Watch our First-timer Club to learn about the home buying process: https://www.youtube.com/playlist?list=PL5a0g5ma7LrlGitnnJuaqHd7zml_rk-vBRead our First-time buyer advice: https://espc.com/advice/first-time-buyersFind an ESPC solicitor: https://espc.com/find-an-agentCHAPTERS:0:00-1:15 Introduction1:15-4:06 Biggest challenges facing first-time buyers4:06-8:00 Shifts in buyer behavious8:00-11:46 Fixer uppers are a lot less popular11:46-13:25 How early should you contact a solicitor?13:25-16:31 How can a solicitor help you in the buying process16:31-17:20 Find out how much you can afford17:20-18:36 You can't view again after your offer is accepted18:36-21:40 How many times should you view a property?21:40-28:38 What is a fair offer?28:38-30:10 The top offers at closing dates don't always win30:10-31:38 Why your offer isn't getting acceptedGot a question for us? Send us a text message! Enjoy the episode? We'd love to hear from you! Send your questions and comments to us directly on marketing@espc.com or via our social media channels. You can also help other people find us by sharing the episode or leaving us a review and rating from wherever you're listening!To find out more about ESPC and our solicitor estate agent member firms, you can head to our website.You can read our most recent house reports here: http://bit.ly/3CQlEQwRead the latest news from the property market in Edinburgh, the Lothians, Fife and the Scottish Borders here: http://bit.ly/3IPOR1TESPC is more than just a market leading property website. We are the home of property and are here to help you at every stage of your property journey.

In this conversation, Scott Forgue and Dylan Silver discuss their experiences in real estate, including networking with notable figures like Robert Shemin and Vanilla Ice. They explore strategies for financial success in the real estate market, addressing common concerns about making money without significant risk.   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   —--------------------

For some it's the dream, for others it's the plan, for most it's an effort. On this programme we look at buying a first home. It's rarely easy but plenty of people are making the jump. The property site Zoopla says first time buyers accounted for 40% of sales in the first half of the year.But the picture can be so different depending on where you live and how much family support you can tap into. We'll hear from those who've just bought as well as others struggling to make it work because their salaries are out of step with prices.Felicity Hannah is joined by Richard Donnell who heads the research and insights team at the property website Zoopla and Jane King a mortgage adviser at the firm, Ash Ridge.Presenter: Felicity Hannah Producers: James Graham Editor: Jess Quayle Senior News Editor: Sara Wadeson (This episode was first broadcast at 3pm on Radio 4 on Wednesday the 22nd October 2025).

In this conversation, Meshelle Van Allen discusses the journey of first-time investors, emphasizing the importance of creative financing and teamwork. She shares her passion for guiding individuals who have never invested before, showcasing opportunities and the transformative experience of making that first investment. Meshelle highlights the significance of collaboration and the sacrifices necessary for success in the investment world.   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   —--------------------

Current Housing Market Analysis and Trends: Nov EditionIn this episode, we discuss the current challenges in the housing market, including affordability issues that are preventing first-time buyers from entering the market and the trend of increased renting. We also analyze specific property listings such as a $3 million Dutch farmhouse in Los Gatos and a $1.2 million rural property in San Martin. Additionally, market trends in San Jose and Santa Clara County are reviewed, concluding with an outlook on the upcoming real estate seasons and the impact of potential Federal Reserve rate changes.K-shaped housing market locks out first-time buyersREO of the Week Apple Home of the Week Mountain View Home of the Week FREE HOME BUYER CHECKLIST HERE https://abitanogroup.com/HomebuyerchecklistHome Inspection CHECKLIST HERE https://abitanogroup.com/homeinspectionchecklist 00:00 Introduction and Personal Update00:11 Housing Market Challenges for First-Time Buyers01:32 Property Spotlight: Los Gatos Listing02:46 REO of the Week: San Martin Property03:54 Market Trends and Predictions

Connect with Shelby and Chance: @sscuso20Want To Quit Your Job In The Next 6-18 Months Through Buying Commercial Real Estate & Small Businesses?

Lucas Sherraden hosts top New York real estate agent Aaron Bates on the Built How podcast. Aaron delves into his transition from bartending to real estate, the nuances of working with investors versus individual buyers, and the challenges of building and leading a successful team with his wife, Rebecca. He shares insights on balancing work and personal life, evolving market strategies, and the importance of leadership. Gain valuable perspectives on maintaining focus and growth in a competitive real estate market. Connect with Aaron at https://www.aaronbatesrealestate.com/ ---------- Be sure to leave a rating and review and don't forget to go to www.builthow.com and register for our next live or virtual event. Part of the Win Make Give Podcast Network

Only 2.8% of U.S. homes sold in 2025 — the lowest turnover rate since the 1990s — and first-time buyers just hit a record low at 21%. Why is this happening? What does it mean for buyers + sellers? Here, I break down: ✅ Why turnover is so low ✅ How low inventory + affordability are reshaping the market ✅ Advice for buying + selling in 2025

In this episode, I break down the seven most common mistakes first-time homebuyers make—and how to avoid them. I dive into why financing big purchases before closing can kill your loan, the importance of job stability during the process, and what lenders really look for. I also share tips on budgeting for closing costs, being honest about your cash reserves, and how to handle inspection negotiations like a pro. If you're buying your first home and want to make sure nothing falls through at the last minute, this episode will help you stay ahead and close confidently.   Timestamps (00:00) - Intro (00:55) - Financing big purchases before closing (02:03) - Missed payments that destroy approvals (03:02) - Job changes and pay structure risks (04:15) - Budgeting for closing costs + fees (06:05) - Smart inspection negotiations with agents (08:10) - Closing thoughts   About the Show On the Military Millionaire Podcast, I share real conversations with service members, veterans, and their families. Each week, we explore how to build wealth through personal finance, entrepreneurship, and real estate investing. Resources & Links Download a free copy of my book: https://www.frommilitarytomillionaire.com/free-book Sign up for free webinar trainings: https://www.frommilitarytomillionaire.com/register Join our investor list: https://www.frommilitarytomillionaire.com/investors Apply for The War Room Mastermind: https://www.frommilitarytomillionaire.com/mastermind-application Get an intro to recommended VA agents/lenders: https://www.frommilitarytomillionaire.com/va-realtor Guide to raising capital: https://www.frommilitarytomillionaire.com/capital-raising-guide   Connect with David Pere Facebook Group: https://www.facebook.com/groups/militarymillionaire YouTube Channel: https://www.youtube.com/@Frommilitarytomillionaire?sub_confirmation=1 Instagram: https://www.instagram.com/frommilitarytomillionaire/ LinkedIn: https://www.linkedin.com/in/david-pere/ X (Twitter): https://x.com/militaryrei TikTok: https://www.tiktok.com/@militarymillionaire

Three words decide whether your pipeline moves or stalls: ready, willing, able. In this episode, we dig into the real drivers of agent performance—being ready, willing, and able—and how balancing all three is the difference between motion and momentum. You'll learn how to diagnose where you're stuck, align your mindset and skills, and turn “two out of three” into a consistent three-for-three that actually moves deals forward.

Nearly every day, you see headlines of rising property prices and the lack of supply of homes for people to buy and live in, but at the same time, in the last twelve months there have now been more first-time buyers granted mortgages than since the height of the Celtic Tiger in 2007.So, what is the reality for people looking to buy for the first time, and is it really as hard as everyone says it is?Sean Corbett from Sys Mortgages deals with this day in and day out, and joins Seán to discuss.

Today we dive into the thorny question of First Time Buyers and the recent attempts by Government to stoke the market. With the help of Founder and Principal of Good Deeds Property Buyers Veronica Morgan, we pull apart the current market and consider issues raised from viewer questions. Veronica Morgan is the Founder and Principal … Continue reading "DFA Live Q&A Replay: Avoiding Traps For First Time Buyers: With Veronica Morgan"

Nearly every day, you see headlines of rising property prices and the lack of supply of homes for people to buy and live in, but at the same time, in the last twelve months there have now been more first-time buyers granted mortgages than since the height of the Celtic Tiger in 2007.So, what is the reality for people looking to buy for the first time, and is it really as hard as everyone says it is?Sean Corbett from Sys Mortgages deals with this day in and day out, and joins Seán to discuss.

There were over 27 thousand first time buyer mortgages drawn down in the last 12 months to end of September, which is the highest annualised number since 2007. That's according to the latest report from the Banking & Payments Federation of Ireland, and joining us on the show this morning was CEO Brian Hayes.

The last 12 months saw the highest number of first-time buyer mortgages since 2007. What does this say about the current housing market?Joining Ciara Doherty to discuss this is Dr Rory Hearne, Social Democrats TD for Dublin North-West and author 'Gaffs: Why no one can get a house' and Karl Deeter, Financial Analyst.

There were over 27 thousand first time buyer mortgages drawn down in the last 12 months to end of September, which is the highest annualised number since 2007. That's according to the latest report from the Banking & Payments Federation of Ireland, and joining us on the show this morning was CEO Brian Hayes.

Learn why 2026 could be the perfect year for Quad Cities first-time homebuyers, with expert insights on market predictions, mortgage rates, and local assistance programs to help you prepare now.For expert assistance, visit https://www.saradewulfrealtor.com/ Sara DeWulf Realtor City: Bettendorf Address: 3565 Middle Rd. Website: https://www.saradewulfrealtor.com/

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

Summary In this episode of the Be a Smarter Homeowner podcast, hosts Elizabeth Dodson and John Bodrozic share their personal experiences as first-time homeowners and provide valuable insights into the home buying process. They discuss the importance of financial readiness, the significance of choosing the right location, and the criteria for selecting a home. The conversation emphasizes the need for proper planning and preparation to navigate the complexities of buying a home, including understanding financing options and the negotiation process with real estate agents. Takeaways Home buying is a significant financial decision. Understanding your financial readiness is crucial before shopping for homes. It's important to know your loan capacity and financing options. Location plays a vital role in the home buying process. Consider the type and condition of the home when making a decision. Be aware of the costs associated with homeownership, including maintenance and HOA fees. The home buying process involves negotiations and understanding market conditions. Getting organized before contacting a real estate agent can save time. DIY projects can be a fun way to personalize your new home. Planning for future expenses, including furniture, is essential.   Sound bites "I got free advice." "I wanted something of my own." "Location is key too."   Chapters 00:00 Introduction to Home Buying Experiences 02:56 Personal Experiences of Home Buying 05:58 Understanding the Motivation Behind Home Ownership 09:05 The Importance of Financial Preparation 11:58 Navigating the Financing Process 15:01 Understanding Mortgage Payments and Budgeting 18:00 Exploring Loan Options for First-Time Buyers 21:05 The Role of Location in Home Buying 23:38 The Evolving Importance of Location 29:01 Criteria for Choosing the Right Home 36:37 Navigating the Home Buying Process 42:42 Understanding Trade-offs in Home Buying

Buying your first Calgary home? That $400,000 house could cost you up to $16,000 more at closing than you budgeted for. Discover the five expensive mistakes that blindside first-time buyers and the simple steps that protect your wallet.For more, visit https://www.jklawoffice.ca/real-estate/ JK Law City: Calgary Address: 2908 2 Avenue Southeast #Unit A Website: https://www.jklawoffice.ca/

Continuing our series on First Time Buyers, we look at the latest data from the Bank of Mum and Dad (or better The Family Bank!), and dig into the other channels though which prospective first time buyers can get assistance, thanks to Federal and State initiatives (which by the way are impossible to cost out, … Continue reading "First Time Buyers In Wonderland!"

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

In this episode of the Investor Fuel podcast, host Michelle Kesil interviews Richard Yeppez, a mortgage lender focused on helping individuals achieve homeownership. Richard discusses his approach to making the mortgage process accessible and less intimidating, emphasizing transparency and support for clients. He shares insights on common challenges faced by homebuyers, the importance of social media and AI in growing his business, and his commitment to serving first-time homebuyers and investors alike. Richard's passion for helping others navigate the complexities of homeownership shines through as he outlines his goals for the future and the tools he provides to empower clients.   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   —--------------------

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

In this episode of the Real Estate Pros Podcast, Kristen Knapp interviews Beau Ramirez, a realtor specializing in first-time home buyers and property management. Beau shares his journey into real estate, the challenges he faced as a young agent, and how he transitioned to property management with Ten Star's Property Management. He discusses his approach to working with first-time home buyers, common misconceptions about the home buying process, and the importance of setting expectations. Beau also provides insights into the current real estate market and offers advice for landlords looking to acquire properties. The conversation emphasizes the importance of education, communication, and building trust in the real estate industry.   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   —--------------------

The Chrisman Commentary Daily Mortgage News Podcast delivers timely insights for mortgage lenders, loan officers, capital markets professionals, and anyone curious about the mortgage and housing industry. Hosted by industry expert Robbie Chrisman, each weekday episode breaks down mortgage rates, lending news, housing market trends, capital markets activity, and regulatory updates with insightful analysis, expert perspectives, and conversations with top professionals from across the mortgage industry. Stay informed, gain actionable insights, and keep up with developments in mortgage banking and housing finance. Learn more at www.chrismancommentary.com.In today's episode, we go through some first time home buyer statistics. Plus, Robbie sits down with Figure's Mike Cagney to discuss the company's successful IPO last week and how decentralized finance is going to change the mortgage industry for the better, and soon. And we close by looking at what to expect from today's Fed meeting.CreditXpert is the all-new credit optimization platform that helps you close more loans. CreditXpert is committed to making homeownership more accessible andaffordable for ALL.

In this episode of the Investor Fuel Podcast, host Skyler Byrd interviews Eric Coleman, a realtor based in the Mobile area. Eric shares his journey into real estate, the changes he has witnessed in the market over the past decade, and the impact of COVID-19 on buyer behavior. He emphasizes the importance of trust and communication in real estate, particularly when working with first-time home buyers. Eric discusses the challenges and pitfalls that new buyers face and explains why having a knowledgeable realtor is crucial. The conversation concludes with Eric providing his contact information for potential clients.   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   —--------------------

Karen & Janet start of the show with renting and buying opportunities in Ventura County from beachside communities to the hillsides.  Their first guest is Derek Contreras with rates, and yes they are dropping due to the low job numbers, there are more first time buyers in the market and many purchasing opportunities and HELOC information from Derek! Next up is John Good with the latest data on Romance Scams on the internet. John talks about scams that flatter and make a person feel wanted to the degree that the fall for scams that are created by AI. An important topic that everyone should be aware of.  Their last guests are with The Hobson Heights Home Tour that is happening September 27th, it benefits The Ventura Lands Trust and offers viewings of 7 incredible homes.  They also chat about a writers forum where you will not only learn that everyone has a story to tell and this writers group will help you tell your story!

In this episode of Fintech Chatter, we continue our series on the challenges of housing affordability in Australia. Dexter Cousins speaks with Michael Ragavan, founder of Our Leg Up.Chapters00:00 Introduction to Housing Affordability02:48 The Concept of OurLegUp05:37 Innovation in Financial Products08:37 Challenges in Product Development12:17 Investor Relations and Capital Raising14:21 Legal Wins and Product Feasibility16:08 Future Plans and Market StrategyFind out more: https://www.ourlegup.com/Send us a textSubscribe Newsletter: https://www.linkedin.com/newsletters/fintech-leaders-7092732051488980992/Connect on Linkedin: https://bit.ly/3DsCJBp

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

Welcome to the land podcast, a platform for people looking to educate themselves in the world of land ownership, land investing, staying up to date with current land trends in the Midwest, and hearing from industry experts and professionals. On today's episode, we are back in the studio with Matt Kline. We discuss: Early lessons learned about land value and ROI Access planning was key to consistent deer movement Balances business growth with hunting priorities Networking opened doors to land opportunities Mistakes became valuable business lessons Learned to spot undervalued parcels others missed Leveraged sweat equity to increase property value Habitat work created both hunting and business gains Built lasting relationships through land deals Passion for land turned into a thriving career And so much more! Get Pre-Approved to Purchase a farm with Buck Land Funding ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.whitetailmasteracademy.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Use code '⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠HOFER' to save 10% off at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.theprairiefarm.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Massive potential tax savings: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ASMLABS.Net⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ -Moultrie: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/moultrie_⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ -Hawke Optics: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/hawkeoptics_⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ -OnX: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/onX_Hunt⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ -Painted Arrow: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/PaintedArrow

In this episode of the Real Estate Pro Show, host Erika speaks with real estate expert Steve Houck about his journey in the industry, focusing on new construction trends, investment strategies, and the growing market in Madison, Mississippi. Steve shares insights on buyer incentives, the importance of networking, and his vision for affordable housing for first-time buyers. The conversation highlights the evolving landscape of real estate and the opportunities available for both buyers and investors. 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   —--------------------

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

Hi there, First Timers, ​Are you waiting to buy or sell real estate right now? It's not a good or bad thing if you are; however, I want to make sure you understand WHY you are waiting. Today, you will learn about: 1. Some of the thoughts you may be having about the current real estate market 2. 3 questions to ask as a first-time buyer 3. 3 questions to ask a move-up buyer (buying and selling at the same time) ​Enjoy listening​ and share this podcast with someone you know who is looking to buy or sell a home this year for the first time. ------------------------ Many ​B​lessings on achiev​ing your real estate dreams! Your Trusted Real Estate Advisor, 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.

As Bryan Kohberger faces sentencing for the University of Idaho murders, families and investigators are breaking their silence. The gag order has been lifted, prompting emotional impact statements and new revelations from officials involved in the case. CBS News' Kelly O'Grady looks at whether the housing market is beginning to ease up for first-time buyers. More homes are hitting the market, and while it's still a seller's game, experts say the balance may soon shift. Coca-Cola is rolling out a new version of its classic soda made with American cane sugar this fall. Scientists say it's no healthier than the original, but the shift could prove a savvy business move. Ozzy Osbourne, the heavy metal trailblazer who rose to fame with Black Sabbath and later as a solo artist and reality TV star, has died at age 76. CBS News' Anthony Mason looks back on his life and career. KISS frontman Gene Simmons joins "CBS Mornings" to honor his longtime friend and fellow rock legend Ozzy Osbourne, who helped define heavy metal as the frontman of Black Sabbath and as a solo icon. Grammy winner LL COOL J joins "CBS Mornings" to talk about his new docuseries, "Hip Hop Was Born Here," featuring interviews with legends like Big Daddy Kane, Rev Run and Roxanne Shanté. More than 90 million Americans have borderline high cholesterol, a key risk factor for heart disease and stroke. Nutritionist Keri Glassman joins "CBS Mornings" to share tips on how to take control of your health. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

It's never been harder to be a first-time homebuyer—and now even U.S. mayors and Realtor.com are teaming up to tackle the housing crisis head-on. But what does that mean for you right now, especially in DFW?This week, Todd and Ian dig into:

Understanding Credit and Finances: Ensure you have a credit score of 650 or higher to avoid additional costs on a mortgage. It's okay to work towards this goal before fully diving into home buying.Explore Financial Assistance Options: Investigate first-time homebuyer grants and local resources to augment your down payment, making homeownership more accessible.Carefully Consider Your Financial Boundaries: Avoid the pitfall of being house poor by setting a practical budget that aligns with your lifestyle and doesn't heavily burden your income.Importance of Legal and Financial Practices: Always file taxes annually and consider strategically structuring your homeownership to maximize financial benefits and investment opportunities.

Today's Flashback Friday episode is from #768 that originally aired on July 15, 2024. Dale is the owner & founder of Centra Capital Partners, a ground up, single family development firm based out of the Twin Cities. Since starting the company, he has overseen the development of more than 1,500 homes across 50+ projects totaling more than $500 million in project value. The Centra Team controls the developments from start-to-finish leveraging it's industry experts to source, entitle, build, and sell each home, which allows them to control costs, control risk, and adhere to the schedule. Quote: "One of the things I love about real estate is you are impacting lives for the good, you are creating something that's going to last for generations." - Dale Wills Highlights:  4:55 - Dale owning RadioShacks 8:35 - Focusing on First Time Buyers 10:45 - Becoming More Efficient During Hard Times 15:22 - Navigating Offering Lower Prices 21:39 - What Makes Dale Excited About The Future Connect with Dale: centracapitalpartners.com     Recommended Resources: Accredited Investors, you're invited to Join the Cashflow Investor Club to learn how you can partner with Kevin Bupp on current and upcoming opportunities to create passive cash flow and build wealth. Join the Club! If you're a high net worth investor with capital to deploy in the next 12 months and you want to build passive income and wealth with a trusted partner, go to InvestWithKB.com for opportunities to invest in real estate projects alongside Kevin and his team.  Looking for the ultimate guide to passive investing? Grab a copy of my latest book, The Cash Flow Investor at KevinBupp.com.  Tap into a wealth of free information on Commercial Real Estate Investing by listening to past podcast episodes at KevinBupp.com/Podcast.

Hi there, First Timers, ​Do you sometimes feel overwhelmed at real estate terminology? I understand...you are not the only one. Today, you will learn about: 1. What a seller concession is 2. How it benefits buyers and sellers 3. Using it in today's market ​Enjoy listening​ and share this podcast with someone you know who is looking to buy or sell a home this year for the first time. ------------------------ Many ​B​lessings on achiev​ing your real estate dreams! Your Trusted Real Estate Advisor, 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.

Want To Quit Your Job In The Next 6-18 Months Through Buying Commercial Real Estate & Small Businesses?

Whether your credit score is 520 or 790, this expert interview reveals the overlooked steps that can immediately improve your homebuying power. Credit scores remain one of the most confusing and fear-inducing hurdles for first-time homebuyers. In this special interview, credit expert Jeanne Kelly—known as “The Credit Genie”—returns to offer actionable insights that go far beyond generic internet advice. With over 25 years of experience and a deeply personal story of rebuilding from financial rock bottom, Jeanne explains exactly how buyers can take control of their credit, whether they're in recovery mode or already have strong scores. David and Jeanne break down myths, share real-life success strategies, and highlight the most surprising tips that even high-credit borrowers should know.Quote“I didn't answer the door once and the man was going to turn off my electric… That was my rock bottom. You sit there and say, ‘You gotta change things.'” – Jeanne KellyHighlightsWhy even buyers with “good” credit scores are missing opportunitiesThe most common credit myths that keep renters stuckJeanne's formula for rebuilding credit after major financial strugglesTips you won't find on Google—straight from a 25-year credit veteranWhat to do today if you're afraid your credit score will hold you backHow to recognize a real credit expert versus a scamEmotional and practical advice from someone who's been there—and made it throughConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Three major market reports reveal a surprising shift toward buyer advantages like longer days on market, increased seller concessions, and rising inventory—here's what that means for your first home purchase in 2025. Housing affordability panic is everywhere—from headlines on CNN and CNBC to TikTok meltdowns and uninformed relatives offering bad advice. From TikTok meltdowns to uninformed relatives offering bad advice. In this episode, David Sidoni breaks down what's really happening using verified data, not hype. He reviews three major industry reports that show a slow but meaningful shift in the real estate market, and for once, it's good news for first-time buyers. Listeners will learn how to interpret current trends, why rent-replacement strategies still work, and how to tune out fear-based noise."We have three massive market reports and they're showing a big shift underway. And finally, it's in the favor of the home buyers." - DavidHighlightsWhat three major market reports say about buyer leverage in 2025Why affordability panic is often based on outdated or misinterpreted dataHow a rent-replacement strategy still makes financial sense in a high-rate worldWhat to ignore when your TikTok feed or Uncle Warren tells you it's a bad time to buyThe mindset shift that helps renters take control and start building wealthSigns the market is shifting: longer days on market, more seller concessions, and increased inventory in some regionsFeeling overwhelmed by market noise? Ready to see if a rent-replacement strategy could work for you? Start with our 10-step plan at Episode 301 or get personalized help at howtobuyahome.comConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

First-time home buyers now make up a record 58% of agency purchase loans, according to ICE's Monthly Mortgage Monitor — but price growth is cooling, and serious delinquencies are ticking up. In this episode, Kathy Fettke breaks down what the latest data means for investors, lenders, and the 2025 housing market. Topics Discussed: 00:00 First Time Home Buyers 00:33 Home Buyer Activity 01:08 Loans for First Time Home Buyers 01:47 Delinquencies  02:16 Foreclosure Activity 02:43 Home Prices LINKS Download Your Free Top 5 Cities to Invest in 2025 PDF!https://www.realwealth.com/1500 JOIN RealWealth® FOR FREE https://realwealth.com/join-step-1 FOLLOW OUR PODCASTS Real Wealth Show: Real Estate Investing Podcast https://link.chtbl.com/RWS Real Estate News: Real Estate Investing Podcast: https://link.chtbl.com/REN