Podcasts about homebuyers

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger Picture Trump is showing the world how green energy doesn’t work, plus it also shows the environmentalist really don’t care about the environment. The people are waking up to the fact that the [CB] have been robbing us of our money. Trump’s economy is taking off. The [DS] is being exposed, the people are now seeing the criminal syndicate system, it is one tyrannical money laundering system. The people have been funding our destruction. The [DS] hunted Trump and now Trump is hunting them. The difference is that the [DS] have committed the crimes and the investigations will show their criminal acts. We are in the process of fighting the 2nd American revolution. Economy  (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); https://twitter.com/KobeissiLetter/status/2006870301041467482?s=20   improved across every US region last month to their highest levels of 2025. The West posted the largest increase, followed by the South, the nation's largest home-selling region. As a result, the Pending Home Sales Index is up to 79.2 points, the highest since February 2023. Homebuyer activity is regaining traction. https://twitter.com/elonmusk/status/2006832536257966286?s=20   need to cut fraud https://twitter.com/CynicalPublius/status/2006750062844534872?s=20  greatly eliminates fraud, waste and abuse; -or- (ii) Middle-class taxpayers decide enough is enough and they too stop following the rules. Door (i) = prosperity. Door (ii) = anarchy. https://twitter.com/elonmusk/status/2006833536335327501?s=20 https://twitter.com/QuantusInsights/status/2006036670680912007?s=20   overseas buying. This is strong, confidence-driven allocation by sophisticated investors looking 12–24 months ahead. When stocks, Treasuries and corporate bonds all see heavy inflows together, the data quietly signals: • U.S. growth looks resilient (no recession on the horizon) • American institutions remain solid • Global alternatives don't measure up A rare combination that points to a strong setup for the U.S. economy. https://twitter.com/howardlutnick/status/2006867104272961854?s=20  positions across industries and our nation. This new growth will employ millions of workers in great, high-paying jobs. The era of non-productive jobs fueled by DEI bureaucracy and corporate performative politics is over. Those who want to work and build America will be rewarded. Great positions and opportunities will be plentiful. The time is now to Make America Great Again. To the amazing success of America and the American worker in 2026!! Political/Rights   the Country, including Tim Waltz, Gavin Newscum, for who is going to lead the Democrats to their future defeat. Clooney got more publicity for politics than he did for his very few, and totally mediocre, movies. He wasn't a movie star at all, he was just an average guy who complained, constantly, about common sense in politics. MAKE AMERICA GREAT AGAIN! https://twitter.com/RichardGrenell/status/2006739373346226506?s=20  quickly. It's unverified gossip that is embraced by News Editors. I see it everyday with the Trump Kennedy Center. Fake news repeated over and over without a single reporter calling to verify the information they are repeating. DOGE https://twitter.com/EricLDaugh/status/2006843983016960428?s=20 “This is deeply morally WRONG.” “Why is it right for someone who escaped tyranny in other countries and happens to live in SF to pay ‘reparations’ for something they had nothing to do with?”  “California didn’t even have slaves!” Geopolitical More Than 1,000 Cars Burned in France, as New Years' Eve ‘Celebrations' in Europe Turn Into a ‘Fireworks War' Between Migrants and Police (VIDEOS)  Cars burning on NYE: Macron is presiding over the destruction of France. The suicidal policy of unchecked mass migration is takings its toll on the European nations. Among the multiple problems, there's the fact that the New Years ‘celebrations' have turned into an excuse for violent migrants to attack police, firefighters and commons citizens with fireworks, turning it into a war. https://twitter.com/visegrad24/status/2006763220258926726?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2006763220258926726%7Ctwgr%5E6f5fbf697d1dedb8ea125a1a961ff7b248f5d362%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2026%2F01%2Fmore-than-1000-cars-burned-france-as-new%2F https://twitter.com/RMXnews/status/2006884531585024201?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2006884531585024201%7Ctwgr%5E6f5fbf697d1dedb8ea125a1a961ff7b248f5d362%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2026%2F01%2Fmore-than-1000-cars-burned-france-as-new%2F Source: thegatewaypundit.com https://twitter.com/visegrad24/status/2006843568816796153?s=20  Maduro Says He’s Ready to Play ‘Let’s Make a Deal’ Venezuela’s Nicolas Maduro says that he’s willing to come to terms with President Trump if the U.S. ends its military pressure campaign in an interview with socialist academic and journalist (but I repeat myself) Ignacio Ramonet. Trump has made multiple demands that Maduro depart, going back to the beginning of the pressure campaign in November, for instance, on December 23: “We want it back,” he added. “They took our oil rights — we had a lot of oil there. As you know they threw our companies out, and we want it back.” The list includes, but is not limited to: Exxon Mobil—2007—oil extraction. Conoco Phillips—2007—oil extraction. Halliburton—2009—oil operations. Cargill—2009—rice processing. Owens Illinois—2010—glass. Clorox—2014—consumer goods.  General Motors—2017—auto manufacturing.  Kellogg's—2018)—cereals. Goodyear—2018—tires. Source: redstate.com War/Peace Anonymous U.S. Officials Say Ukraine Didn't Target Putin with Drone Attack – Russian Officials Say They Have Drone Flight Plan From Navigation Unit  The Wall Street Journal is reporting that Ukraine did not target the personal residence of Russian Federation President Vladimir Putin, “according to U.S. officials.”   However, Russia captured one of the drones intact and have said they were able to “extract a file containing a flight plan from the navigation unit” which they plan to share with the Trump administration through established channels. {LINK}   Who are we going to believe, Russian “special service” operations or anonymous “U.S. Intelligence Officials”?  U.S. media have said the attack on Putin may be a lie; however, with physical evidence from the defense operation, it is less likely Russia just made up the attack.  At this moment in the conflict, Putin doesn't need domestic propaganda.    Source: theconservativetreehouse.com [DS] Agenda https://twitter.com/KanekoaTheGreat/status/2006842440968450361?s=20 https://twitter.com/MrAndyNgo/status/2006830735626301488?s=20   up to dozens of times for safety violations. Four facilities had prepared themselves for liberal journalists by having Somali children inside. https://twitter.com/MrAndyNgo/status/2006877951376154782?s=20  extreme, with little girls usually required to wear both head and body coverings. Female genital mutation is also endemic to their cultural practices. In June 2025, Mayor @Jacob_Frey released an official video in Somali condemning the U.S. government’s efforts to restrict incoming migration from Somalia. This is the same mayor who oversaw (managed) the burning of Minneapolis during the 2020 BLM-Antifa riots. http://ngocomment.com https://twitter.com/MrAndyNgo/status/2006849302002544832?s=20 https://twitter.com/AAGDhillon/status/2006887697743302932?s=20 Report Alleges Somalia's Foreign Minister, Whose Ohio Healthcare Company Receives U.S. Tax Dollars, Also Controls LLC at SAME ADDRESS as Somali Money Transfer Firm Accused of Terror Financing  A new report alleges that Somalia's Foreign Minister Abdisalam Abdi Ali, a U.S. citizen whose Ohio-based healthcare company has raked in millions from American taxpayers, also controls an LLC operating out of the same address as a Somali money transfer firm previously accused of funneling funds to terrorist organizations. Abdisalam Abdi Ali was appointed Minister of Foreign Affairs and International Cooperation of Somalia in May 2025. Born in Somalia but building a life in the U.S., Ali established Ritechoice Healthcare Services LLC in Toledo, Ohio, over a decade ago. Shockingly, two additional healthcare companies operate out of the same office suite. https://twitter.com/libsoftiktok/status/2006872203921600958?s=20 In that role, he: Oversees Security Council meetings Sets the Council's agenda Manages resolutions and presidential statements Speaks for the A3+ bloc (African nations plus Caribbean representation) on issues like Afghanistan and Yemen But before assuming global authority in New York, Osman spent years embedded inside Ohio's public welfare system. Osman relocated to the United States in the late 1980s and built his career in Ohio's taxpayer-funded social services apparatus. From 1999 to 2012, he worked at the Franklin County Department of Job and Family Services, serving as: Case Manager Social Program Specialist Source: thegatewaypudit.com  https://twitter.com/JoeLang51440671/status/2006726416168079799?s=20   democrats by the same corrupt Somali's. Stolen elections violate the Constitutional rights of citizens. That will play a HUGE part in FORCING our election system to be completely transformed. Fraud vitiates everything and everything is connected. Source: thegatewyapundit.com President Trump's Plan https://twitter.com/ScottAdamsSays/status/2007077071684780275?s=20 https://twitter.com/elonmusk/status/2007076187760366005?s=20 President Trump Issues the First Vetoes of His Second Term  It took about 11 months, but President Donald Trump has finally issued the first vetoes of his second term. And like most things involving the president, the moves aren't without their critics — including some you might not normally expect pushback from. Trump's rapid response team highlighted the two vetoes: https://twitter.com/RapidResponse47/status/2006153283996381333?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2006153283996381333%7Ctwgr%5E79e6ef2350ae826bc802e9e5d82d5c97bad630de%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2026%2F01%2Fpresident-trump-issues-first-vetoes-second-term%2F The “Miccosukee Reserved Area Amendments Act” is a bill aimed at expanding the land set aside for the Miccosukee Tribe inside Everglades National Park by officially including a section known as Osceola Camp. Trump had a couple of issues with this. The residential community in that area “was constructed in 1935, without authorization, in a low area that was raised with fill material,” Trump's explanation read. “None of the current structures in the Osceola Camp are over 50 years old, nor do they meet the other criteria to be considered for listing in the National Register of Historic Places,” Trump wrote to the House. He added that, “the Miccosukee Tribe has actively sought to obstruct reasonable immigration policies that the American people decisively voted for when I was elected.” That appears to be a direct reference to the tribe's publicized opposition — including a lawsuit against the Trump administration — to the “Alligator Alcatraz” detention center in Florida, as noted by The Associated Press. The “Finish the Arkansas Valley Conduit Act,” meanwhile, is a bill designed to make it easier for rural Colorado communities to complete a long‑planned water pipeline project that will facilitate drinking water to people in the Arkansas River Valley. Trump appeared to take specific issue with the price tag and repayment plans for this project. “It was originally authorized … in a bill signed by President Kennedy in 1962,” Trump said. “For decades it was unbuilt, largely because the AVC was economically unviable.” “More than $249 million has already been spent on the AVC, and total costs are estimated to be $1.3 billion,” Trump wrote. “H.R. 131 would continue the failed policies of the past by forcing Federal taxpayers to bear even more of the massive costs of a local water project — a local water project that, as initially conceived, was supposed to be paid for by the localities using it. “Enough is enough. My administration is committed to preventing American taxpayers from funding expensive and unreliable policies. Ending the massive cost of taxpayer handouts and restoring fiscal sanity is vital to economic growth and the fiscal health of the Nation.” The bill was backed and pushed by Colorado GOP Rep. Lauren Boebert — normally a staunch supporter of Trump's — who seemed incensed with the president's veto and vowed that “this isn't over.” Source: thegatewaypundit.com https://twitter.com/EagleEdMartin/status/2006700820432130068?s=20  to believe that these Democrat Mayors and Governors, all of whom are greatly incompetent, would want us to leave, especially considering the great progress that has been made??? President DJT https://twitter.com/EndWokeness/status/2006537728369057886?s=20 https://twitter.com/BradCGZ/status/2006485378031824908?s=20 https://twitter.com/WhiteHouse/status/2006523871181300073?s=20  (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:13499335648425062,size:[0, 0],id:"ld-7164-1323"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="//cdn2.customads.co/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");

Donate (no account necessary) | Subscribe (account required) Join Bryan Dean Wright, former CIA Operations Officer, as he dives into today's top stories shaping America and the world. In this Friday Headline Brief of The Wright Report, Bryan covers new laws taking effect in 2026, easing mortgage rates, major tariff changes, mounting concerns about President Trump's health, the radical transformation of New York City under its new socialist mayor, and fast-moving global developments from China, Ukraine, Venezuela, Iran, Spain, and the medical world. Good News for Homebuyers and New Laws for 2026: Mortgage rates opened the year at 6.15 percent, down sharply from last year. Trump's Triple B bill now allows a tax deduction of up to ten thousand dollars in interest for Made in the USA vehicles. States also rolled out new laws, including social media limits for children in Virginia and Nebraska, expanded unemployment benefits for mental health claims in Illinois, and sharply different approaches to gender dysphoria in Colorado and New Hampshire. White House Adjusts Tariffs and Deployments: The administration delayed steep tariffs on furniture and cabinetry and rolled back anti-dumping duties on Italian pasta following talks with Italy's prime minister. Trump is also withdrawing National Guard troops from Los Angeles, Chicago, and Portland after a Supreme Court ruling narrowed his authority unless he invokes the Insurrection Act. Questions About Trump's Health: The Wall Street Journal reports modest concern among Trump's family and advisors as he enters the second year of his term at age seventy-nine. Trump dismissed the worries, joking about his hearing and explaining his long-standing use of aspirin despite doctors recommending a lower dose. New York City's Radical Shift: Zohran Mamdani was sworn in as mayor of New York City, placing his hand on the Quran and naming a former al-Qaeda defense attorney as chief counsel. He was sworn in by Senator Bernie Sanders, while socialist outlet Jacobin declared the moment a chance to dismantle capitalism nationwide. Bryan argues the development represents a profound ideological takeover of America's largest city and financial center. China Escalates the Mineral Wars: Beijing is restricting silver exports through a new licensing system, tightening global supply just as it has done with rare earth minerals. China is stockpiling silver for industrial use and currency support, raising prices worldwide and intensifying competition over strategic resources. Ukraine, Venezuela, and Iran Edge Closer to Conflict: President Zelenskyy claims discussions are underway for U.S. troops to deploy to Ukraine after a peace deal, a claim the White House has not confirmed. In Venezuela, U.S. forces killed additional narco traffickers and surged elite aviation and ground units into the region as oil tankers flee sanctions. In Iran, nationwide protests entered their sixth day, with crowds chanting against the Ayatollah as economic conditions deteriorate. Europe's Populist Surge Continues: Spain's Vox Party doubled its representation in regional elections, pulling votes from Socialists while traditional conservatives resist coalition talks. Bryan notes the same elite-versus-populist split now defines politics across much of Europe. Medical Warning on Microplastics: Researchers at UC Riverside found evidence that microplastic exposure in men may increase metabolic disease risk in their children. The findings add to growing concerns about plastics, particularly when heating food in plastic containers.     "And you shall know the truth, and the truth shall make you free." - John 8:32     Keywords: January 2 2026 Wright Report, mortgage rates 6.15 percent, Triple B bill tax deduction cars, new state laws 2026 social media limits, Trump tariff rollback Italian pasta, National Guard withdrawal Supreme Court, Trump health Wall Street Journal, Zohran Mamdani socialist mayor NYC, China silver export restrictions, Ukraine U.S. troops claim, Venezuela narco strikes, Iran protests Day Six, Spain Vox Party surge, microplastics metabolic disease study

Richard Gearhart and Elizabeth Gearhart, co-hosts of Passage to Profit Show interview entrepreneur, success coach, author and keynote speaker, Saahil Mehta, Brady Sticker from ChurchCandy Marketing and mortgage expert Tom Wragg. Mountaineer and executive coach Saahil Mehta challenges the hustle-at-all-costs mindset and explains why money, fame, and nonstop ambition often lead to burnout, regret, and broken relationships. Through his powerful “Seven Summits” framework, Sahil shows entrepreneurs how to redefine success on their own terms, protect what truly matters, and make smarter decisions without sacrificing health, family, or sanity. Read more at: https://www.saahilmehta.com/ Brady Sticker is an entrepreneur, marketing expert, podcaster, and the founder of ChurchCandy Marketing, a marketing agency specializing in getting churches new church guests and helping Pastors grow their ministries. He's also the bestselling author of Launch Big: The Complete Digital Marketing Guide for Church Planters. Read more at: https://bradysticker.com/ and at https://churchcandy.com/ Mortgage expert, Tom Wragg from loanDepot is a passionate mortgage originator with over 20 years of experience in the industry. Tom specializes in Jumbo loans and non-QM lending for self-employed clients, and he takes pride in presenting a full suite of mortgage options, including Conforming, FHA, VA, Reverse Mortgages, and Renovation Lending. Read more at: https://www.loandepot.com/loan-officers/twragg Whether you're a seasoned entrepreneur, a startup, an inventor, an innovator, a small business or just starting your entrepreneurial journey, tune into Passage to Profit Show for compelling discussions, real-life examples, and expert advice on entrepreneurship, intellectual property, trademarks and more. Visit https://passagetoprofitshow.com/ for the latest updates and episodes. Chapters (00:00:00) - Podcast Review(00:00:48) - Passage to Profit(00:02:19) - What are the Common Mistakes First Time Entrepreneurs Make?(00:03:46) - STILL BUSY: The mistakes of entrepreneurs(00:05:05) - 3 Mistakes First-Time Entrepreneurs Should Avoid(00:07:44) - Sahil Mehta: Success(00:11:15) - 7 Summits to Success(00:13:06) - 7 Summits of Life(00:16:24) - 7 Summits of Important Things in Your Life(00:18:33) - 7 Summits(00:22:19) - Car Shield(00:23:29) - Better Health Insurance for You(00:24:29) - Clutter in Your Head(00:29:34) - In the Elevator With Rich People(00:30:23) - In the Elevator With Coaches: Accountability(00:32:58) - AI In Business(00:35:40) - ChatGPT and the Future of Legal Research(00:38:17) - Divorce and Credit Card Debt Relief(00:41:08) - Disney, OpenAI: Intellectual Property News(00:44:53) - Church Candy(00:47:37) - How to Get People to Attend Your Church(00:49:27) - How to start a new church with digital marketing(00:51:40) - How to Reach Out to People Through Social Media(00:53:16) - Marketing for Your Business(00:55:05) - How to Build a Facebook Ad With AI(00:57:21) - Church Plants: Behind the Scenes(00:59:02) - What Does a Mortgage Originator Do?(01:00:47) - Holding Yourself Accountable(01:02:45) - Mortgage market: Interest rates and availability of funds(01:04:51) - Homebuyers and Affordability(01:06:13) - Mortgage Underwriting: Building Trust With Prospects(01:08:45) - How to Help a Self-Employed Person Buy a Home(01:14:21) - Mortgage Depot(01:16:43) - Secrets of the Entrepreneurial Mind(01:17:58) - How to Get Stuck in Your Business(01:19:09) - Tom Rag(01:21:40) - Passage to Profit

Think the market needs to crash before you can buy? Think again. Discover why a flat market gives first-time buyers the edge in 2026.Most people are sitting around waiting for 3% interest rates or a price crash to make their move. But in this episode, David Sidoni explains why those waiting are missing the point — and the opportunity. 2026 may not bring exciting headlines, but that's exactly what makes it a powerful year for prepared first-time buyers.David walks listeners through seven buyer advantages coming in 2026, from expanded FHA loan limits to increased inventory from sellers breaking out of their “golden handcuffs.” He also highlights the regrets of past buyers — like overspending on fixer-uppers or getting stuck with mortgage payments that blew their budget — and shows how a smart plan can help you avoid them all.You'll hear why stable prices and interest rates, while boring to most, can actually help first-time buyers strategize, save, and succeed. If you're ready to stop waiting and start planning, this episode lays out exactly how to win in a flat market.“Flat is your friend. It gives you time to plan, save, and strategize without surprises.” - David SidoniHighlights7 common regrets first-time buyers face — and how to avoid themWhat a “flat” market really means, and why it's an advantageNew FHA loan limits for 2026 — including a $1.87M cap in Alaska and HawaiiWhy seller and builder incentives could disappear fast — and how to act before they doHow a unicorn team can help you sidestep costly inspection or mortgage mistakesA mindset shift: stop waiting for flashy deals and start creating your own successConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

A Washington Republican takes on housing aid loophole that is pushing homebuyers out of purchases. Democrat Congressman Bennie Thompson says Trump’s strikes on Narco boats are illegal and tantamount to war crimes. FCC Chair Brendan Carr butted heads with Senators on Capitol Hill about his handling of the Jimmy Kimmel situation. // Big Local: An arrest has been made in the case of the Everett dog that was tied up and left in a Dumpster. A Spokane settled with the city after her basement was filled with sewage. An Everett man was sentenced for blowing up a Black couple’s car in what appears to be a racially motivated attack. // You Pick the Topic: Far-left commentator accused fitness influencer Jillian Michaels of being a ‘white nationalist,’ but there was one problem with this claim.

Home price growth is cooling, new reports show. Though homeowners may be struggling to sell at asking price, it is good news for prospective buyers. Especially those who've been waiting on the sidelines for a good deal. But, as with most housing issues, the slowdown is regional. Also in this episode: Auto sales were strong in 2025, Gen Zers see cash in a new light, and an unlikely government funds a U.S.-based GED program for Mexican immigrants.Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.

Home price growth is cooling, new reports show. Though homeowners may be struggling to sell at asking price, it is good news for prospective buyers. Especially those who've been waiting on the sidelines for a good deal. But, as with most housing issues, the slowdown is regional. Also in this episode: Auto sales were strong in 2025, Gen Zers see cash in a new light, and an unlikely government funds a U.S.-based GED program for Mexican immigrants.Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.

How was 2025 for the real estate market in the New Orleans area? How are things looking for 2026? Let's take a look with local real estate expert Arthur Sterbcow.

Think you understand the homebuying process? Here's the full truth, from start to finish — and why skipping the first ten steps can wreck everything. Most "how to buy a home" guides are missing the most important details. In this episode, David Sidoni lays out the entirehomebuying journey — from day one to closing — with over 50 real steps, and exposes why popular webinars and checklists often lead buyers astray. He explains why first-time buyers fail when they jump into house hunting or loans before setting up the fundamentals. If you're serious about avoiding expensive mistakes, this is the reality check you need. “The biggest mistake I see hopeful first-time homebuyers do is focusing on the middle steps instead of the beginning.”— David Sidoni HIGHLIGHTSWhy free online webinars and workshops are often just sales funnels in disguiseA detailed breakdown of all 50+ steps to buy a home — and why most buyers only focus on 10Common myths that derail first-time buyers before they even meet a lender or agentHow early budgeting, team selection, and mindset shifts can prevent chaos laterWhy the Ten Step Starter Kit (Episodes 400–409) remains the foundation for successConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Are you putting off buying a home because you think you need 20% down?You're not alone—and you've probably been misled. In this eye-opening episode of Moving Sucks, Seth breaks down the biggest myths around down payments and walks you through real, actionable strategies to fund your first home—even if you're starting from zero.From misunderstood loan programs to family wealth you didn't know could help, this episode is your guide to unlocking the door to homeownership faster and smarter than you thought possible.

Why Home Buyers Should Close on December 30th...     ...There may very well be a property tax savings by doing so for the buyer it may also be a date that makes sense to the home seller for the very same reason which makes it a win-win situation qualify for the homestead exemption for the buyer start off the New Year in your new home for the buyer save a vacation day for the buyer due to the holiday capital gains tax rate locked in for seller addtional write offs for the seller if that's the case, then why not just close on December 31? its rather simple really numerous unforseen circumstances may cause a delay in a closing date and in this case it would then make the closing take place in the next tax year bank wire doesn't arrive on time overnight closing package delivery delayed banks, title companies and attorney close early many workers on vacation - skeleton crews at offices travel delays for buyer or seller something goes sideways with a double closing there are definitely scenarios where it makes sense to close after the 1st and each of these will create a unique set of circumstances that might just affect the sales price negotiation tune in for some of the crazy things I have experienced over the years      

Feeling overwhelmed by the homebuying process? This episode gives first-time buyers a clear starting point by showing how to use the How to Buy a Home Episode Guide to build confidence, clarity, and a personal education plan.How to Buy a Home 2025 Episode GuideThis end-of-year road trip episode is designed for renters who don't know where to begin — or who feel stuck trying to make sense of conflicting advice online. Instead of pushing tactics or timing, this episode explains how first-time buyers can use education as their advantage.The focus is on building confidence through clarity, understanding what information actually matters, and learning how other real buyers have successfully navigated today's housing market using proven strategies.“You can't control the housing market, but you can 100% control how much information you take in and how confident you become.” - SidoniPopular Podcast TopicsWhere to start as a first-time homebuyerFinding your place in the process and avoiding overwhelm by using the Episode Guide.Rent vs. buy: does buying actually make sense right now?Comparing rent replacement math, lifestyle impact, and long-term strategy.How much money do you really need to buy a home?Why online calculators are misleading and how real buyers close with far less cash.Low down payment options that actually work3%, 3.5% FHA, 5% conventional, VA loans, and down payment assistance programs.Buying a home with student loans or other debtHow buyers qualify while carrying student loans, car payments, or credit cards.Credit scores and common credit mythsWhat lenders really care about, credit pull myths, and why perfection isn't required.Affordability fears and avoiding being house poorMonthly payment comfort, budgeting confidence, and long-term financial stability.Timing your move, not the marketWinter buying advantages, planning around leases, and when breaking a lease can make sense.Market timing vs. having a smart planWhy waiting for a crash backfires and how flat markets still create opportunity.Real renter stories that prove this is possibleLow savings buyers, first-generation homeowners, VA buyers, and high-cost-area success stories.Plus tons of interviews with real renters who have broken the cycle and bought their first home.Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeCheck out First Time Home Buyer Stories for full podcast interviews on YouTubeInstagram @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 Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we look at the lack of change from the GSEs over the course of 2025. Plus, Robbie sits down with Digital Niche Agency's Jason Fishman on creative capital deployment solutions for lenders and how the borrower credit box is expanding responsibly. And we close by reviewing what the latest inflation reports say about the Fed's direction in 2026.Thanks to the Refi Recapture Engine from LO Autopilot. Lenders lose ~80% of recapture business. Their plug & play Refi Recapture Engine triples recapture volume. It runs nonstop, analyzes every loan, creates personalized quotes and sends them directly to borrowers, and delivers refi-ready borrowers to your LOs on a silver platter. 

She bought a home at 26 — with acreage, animals, and no family money. Cynthia's story shows exactly what's possible when you plan ahead, find the right team, and stick with it, even through setbacks. Cynthia started listening to the How to Buy a Home podcast in 2022. Three years later, she closed on her dream property — a $250K home with two and a half acres in Florida. She did it with zero financial help from family, months of prep with a unicorn team, and a plan that accounted for credit, savings, zoning laws, and inspection surprises. She now pays less than renting and boarding a horse, and she owns the whole thing outright. No partner, no co-signer — just her, 15 chickens, 4 ducks, 1 horse, and 1 very good dog. "I remember when you were 12 years old and this was your dream… You're living the dream you've had since you were 12." — Cynthia's horse trainer HighlightsHow planning two years in advance helped Cynthia buy her dream home at 26What made her property search so unique — and how zoning, acreage, and location all matteredWhy the right inspections (and a lost septic tank!) made all the differenceWhat made her monthly payment less than renting and boarding her horseWhy she says the HBH podcast gave her the tools to make it all happen Referenced Episodes: 400 - Introduction: How to Buy a Home Starter Series (START HERE)388 - The Playbook VOL. 1: The Rent Replacement Strategy389 - The Playbook VOL. 2: Your Last Lease Ever363 - Buying a Home Right Out of College without 2 Years on the Job - INTERVIEW418 - 2026 Housing Market Predictions (and What 2025 Taught First Time Home Buyers)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!

Christopher Donahue from Keller Williams Group One joins Brian Cushing, mortgage lender at American Financial Network as they talk about special financing opportunities for "Hero" home buyers. Law Enforcement, EMT's, Health Care Professionals, Educators and Veterans might find these programs helpful in attaining the American dream, home ownership. Any mortgage program that helps buyers buy, also help sellers sell. Today's show might be the answer to both sides of the equation! We'll also look at the statistics on home sales and values from the Sierra Nevada Realtors monthly report. Christopher Donahue: 775-772-2325 or chrisdonahue@kw.com Brian Cushing NMLS #303045: 775-813-9911 or thecushingteam.com Peter Padilla: 775-786-5515 or peter@sageintl.com

City Water vs Well Water in Michigan: What Homebuyers Need to KnowWhen buying a home in Michigan, most people focus on location, price, and layout — but one of the biggest lifestyle differences buyers face is something rarely discussed: the water. Whether a home uses private well water or municipal city water can impact everything from taste and water pressure to skin and hair, appliance longevity, maintenance costs, and overall comfort in your home.In this episode, Michigan Realtor Andrew McManamon breaks down the real differences between city water and well water in Michigan for homebuyers and relocators. You'll learn how Michigan's geology affects water quality, what inspectors test during home inspections, how FHA and VA loan requirements differ for wells, common water issues like hardness, iron, sulfur odors, and PFAS, and how filtration systems like water softeners and reverse osmosis can dramatically improve water quality — even on city water.Andrew also shares personal experience growing up on well water, transitioning to city water, and why he installed a reverse osmosis system in his own home. This episode covers practical maintenance tips, long-term cost considerations, how water impacts appliances and water heaters, and what buyers should realistically expect when choosing between city water and well water in Michigan.If you're moving to Michigan, buying a home here, or simply want a clearer understanding of how Michigan water systems work, this episode will help you make a more confident, informed decision.CONTACT ME

Erin McLaughlin tracks homebuilder sentiment and how much difference the Fed's rate cut has made. She notes that the average age of a first-time home buyer is now 40 (vs 33 pre-Covid), and it's all about affordability. However, building affordable homes doesn't give companies the same profit margins. Still, lack of demand means builders are making concessions and cutting discounts, which also hit margins. She thinks conditions will improve next year as mortgage rates are expected to come down. ======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Links & ResourcesFollow us on social media for updates: ⁠⁠Instagram⁠⁠ | ⁠⁠YouTube⁠⁠Check out our recommended tool: ⁠⁠Prop Stream⁠⁠Thank you for listening!

Winter has shut down the landscape, but the thinking doesn't stop. In this episode, Coach Matt covers a mix of winter reality, honest thoughts on viral “yard rescue” videos, smart winter planning for spring projects, and why a living Christmas tree just makes more sense. If you're snowed in, itching to work outdoors, or planning ahead for your property, this one's for you.  

Who's actually buying homes today? Who's selling — and why? And how different does today's housing market look compared to just a few years ago?In this episode of the Kern County Real Estate Review, Laurie McCarty breaks down the newly released national data on today's home buyers and sellers and explains what it reveals about changing demographics, affordability challenges, moving patterns, and buyer priorities. From surprising age trends to how people are financing their homes, Laurie walks listeners through what's really happening behind the headlines — and what it means for homeowners, buyers, sellers, and anyone watching the market.Whether you're thinking about making a move, planning to sell in the future, or simply want to better understand where the housing market is headed, this episode offers clear, practical insight you can actually use.

In this episode, Jon G. Sanchez, Dwight Millard, and Cory Edge discuss the current state of the housing and stock markets, providing insights on how buyers can navigate the challenges of purchasing a home in a seller's market. They emphasize the importance of negotiation strategies, understanding seller motivations, and the impact of mortgage rates on home buying decisions. The conversation also touches on the stock market's performance and how it relates to the overall economic landscape, offering listeners valuable tips for making informed financial decisions.www.sanchezgaunt.comChapters00:00 Introduction to the Show and Market Overview01:55 Current State of the Housing Market04:50 Impact of Interest Rates on Mortgages07:56 Negotiation Strategies for Home Buyers10:58 Understanding HOA Implications12:51 Conclusion and Final Thoughts19:11 Upcoming Bowl Games and Coaching Changes19:39 Market Trends and Buyer Negotiation Strategies27:28 Market Reality Check: Inventory and Seller Motivation30:26 Emotional Discipline in Real Estate Decisions31:37 Long-Term Wealth Building Through Smart Buying33:31 Disclaimer

We're only a week away from winter, but the housing market is heating back up. Demand is rising as savvy buyers know that lower prices peak during the holiday season. But one crucial cohort is nowhere to be found…and it could have damaging consequences for the housing market as a whole. We're back with another headline episode, taking the biggest stories from the housing market and giving our takes so you can make the best investing decision possible. This winter is feeling warmer for housing as demand does what no one expects—increases during the seasonally slow period of the year. What's causing it—lower rates, FOMO, or something else entirely? Remember when people in their 20s used to buy houses? Well…not anymore. The new first-time homebuyer age reached a worrying new high, one that many of us couldn't even believe. DSCR loan defaults are starting to tick up, doubling from this time last year. Is this a bigger deal than many think, and could it bring discounted investment properties to the table?  Finally, Dave shares a sneak peek at BiggerPockets' newest investor survey, where investors share what they think is coming in 2026…and there's a lot to be excited about. In This Episode We Cover The new median age of America's first-time homebuyers (borderline alarming) Why housing demand is going up during the (traditionally) slowest time of the year Delinquencies rising for DSCR loans? Why investors are defaulting twice as much as last year A year of optimism: surprising finds from BiggerPockets' newest investor sentiment survey The #1 best strategy investors are betting on for 2026 And So Much More! Links from the Show Join the Future of Real Estate Investing with Fundrise Join BiggerPockets for FREE Sign Up for the On the Market Newsletter Find Investor-Friendly Lenders  BiggerPockets Real Estate 1210 - 2026 Home Price Predictions: The Correction Continues? Articles from Today's Episode: Dave's BiggerPockets Profile Henry's BiggerPockets Profile James' BiggerPockets Profile Kathy's BiggerPockets Profile Grab the Book "Real Estate by the Numbers" Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/on-the-market-381 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

Eve didn't let fear, deadlines, or market pressure stop her. With determination and $20,000 saved, she found the right team, the right timing, and the right program to make homeownership happen — even when it felt just out of reach.When Eve's landlord gave her 30 days to move out, she didn't panic — she pivoted. At 36 years old, after years of renting, Eve took a chance on herself and on a dream that had always seemed out of reach. She had saved $20,000 and started exploring what felt like a longshot: becoming a homeowner.What followed was a powerful example of what optimism, patience, and a little education can do. With guidance from David's team and the right down payment assistance (DPA) program, Eve bought her first home — even when the numbers and timing barely worked.Her story is an emotional reminder that first-time buyers aren't just fighting math — they're also managing hope, fear, and the courage to move forward. If you've ever doubted your chances, this episode is your proof that it's possible.“I was terrified. But I told myself: you've saved this money. You've worked this hard. You can figure out the rest.” - EveHighlights:Eve had saved $20,000 by age 36, despite past credit challengesHer landlord's sudden notice pushed her to act faster than plannedShe qualified for a county-level DPA program with tight income capsThe program opened at just the right time — and nearly closed before she could applyShe found a home priced at $418K and used her savings alongside assistanceDespite self-doubt, she pushed through and now sleeps better than ever — in her own homeThis episode is about mindset as much as money: what happens when belief meets strategyReferenced Episodes:Episode 400: How to Buy a Home – Step 1: Decide (The Mindset Shift)Episode 388: The Playbook VOL. 1 – The Rent Replacement StrategyEpisode 389: The Playbook VOL. 2 – Your Last Lease EverEpisode 363: [Title not found; can search if needed]Episode 418: 2026 Housing Market Predictions (and What 2025 Taught First Time Home Buyers)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!

Want to grow your home inspection business quickly in a new city? Charles Bellefontaine, a seasoned home inspector and founder of GetSync, has a few ideas on how it can be done. In one of the last episodes from Inspection Fuel, we sit down with Charles to talk about how inspectors can reach home buyers quickly and directly. We also get into the question of which forms of marketing are most effective: online ads or social media marketing... or both! We explore the importance of thorough inspections, the impact of marketing strategies, and the role of technology in streamlining business operations. The conversation also touches on personal experiences and lessons learned from overdoing it in growing a business and the effects it can have on our personal lives... lessons we've learned firsthand. So, be sure to check out our FIRST EVER sponsor at GetSync.pro to learn more! Chapters: 00:00:00 Introduction and Overview 00:03:00 Challenges in Home Inspections 00:09:00 Marketing and Business Growth 00:15:00 Technology and Innovation 00:21:00 Personal Experiences and Lessons Learned 00:27:00 Conclusion and Future Outlook The TLDR: - Home inspections should be thorough and not rushed. - Marketing directly to consumers can significantly boost business. - Technology like GetSync can streamline operations and reduce overhead. - Building relationships with real estate agents is crucial for business growth. - Understanding client needs is key to providing valuable services. - Personal experiences can shape business strategies and decisions. - Effective communication with clients builds trust and credibility. - Adapting to market changes is essential for long-term success. - Balancing work and personal life is important for mental health. - Continuous learning and adaptation are vital in the inspection industry. The Links: Check out our sponsor: http://Getsync.pro Subscribe to our Newsletter: https://pages.theridealong.show/newsletter Leave us a VOICEMAIL! http://theridealong.show  

Note: There will be video soon, working through some tech issues. Otherwise YouTube is where you can find it for now!We've hit that stage of life where everyone's either getting engaged, married, planning a Japan trip, or trying to buy a house. And somewhere in that chaos, the words “mortgage broker” keep popping up, but what do they actually do? Are they just a fancy search engine for home loans?In this episode, Michael Nguyen joins us to break down the world of mortgage broking, answer the questions most first-home buyers are too scared to ask, and share what it's really like working in the industry. Whether you're buying soon or just curious, this one clears up a lot.---Michael's email: michael@professionalhomeloans.com.auhttps://www.professionalhomeloans.com.au/---Want to get in touch? Send us an email at ⁠⁠ricenmicspodcast@gmail.com⁠⁠Follow us on our socials: ⁠⁠⁠⁠⁠https://linktr.ee/ricenmicspodcast⁠⁠⁠⁠⁠Music: aKu - Love Shine | aKu - The Final Blow---0:00 Intro3:04 Inspiring kids with Dai Le5:33 Growing up, selective schooling PTSD14:00 TAFE, uni offers and experience20:34 Becoming an Apprentice Broker23:28 How do brokers get paid? The cutthroat side28:10 Cut out the broker and save?31:18 Struggling as an apprentice, abusing free gym trials36:38 Getting from start to finish for a loan, compromising40:02 Where to buy IPs45:32 Can brokers get loans for themselves? Apprentice life52:48 Be the dumbest guy in the room55:26 Teaching other colleagues57:23 Apprentice vs now58:20 The self employment struggle1:02:24 Fluctuating income, the first deal ever1:04:56 Bad vs good broker1:06:33 Why not go for the cheapest rate?1:10:51 5% deposit scheme1:13:38 Biggest first home buyer mistakes1:18:02 Emotions of buying a place1:22:24 Toughest deal1:25:08 How afterpay/credit card churning affects home loans1:27:17 Advice for aspiring brokers1:31:11 Outro

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  

Canada's record-high debt levels are making headlines, but what does it mean for homebuyers in Ontario as we head into 2025? Let's break it down.

Original broadcast archive page with expanded content https://rosieonthehouse.com/podcast/on-the-house-hour-guide-to-first-time-homebuying/

Two 25-year-olds became homeowners in 2025 with just $8,000—and almost no money at closing.Watch on YouTube: https://youtu.be/N-ppqcy2eUAChloe and Eduardo beat the odds and bought their first home in one of the toughest markets ever—with less than most people spend on a used car. This episode breaks down how they did it, featuring both their story and insights from their unicorn realtor and lender. You'll learn how assertiveness, education, and a trusted team made the impossible not only possible, but surprisingly affordable. Their journey is proof that the right guidance can help you break through fear and take action, even with limited resources.“Without Max and Kelly, I don't think we would have even known this was possible.” —ChloeHighlights:Chloe and Eduardo bought at 25 while the national average age is 40Only $8,000 in savings to startPaid just $120.95 total at closing thanks to seller credits and down payment assistanceRefunded most of their $3,000 earnest money depositTime from beginning the process to closing: ~3 monthsRealtor Max used his own recent first-time buyer experience to guide themLender Kelly secured down payment assistance that made the deal possibleTheir top tip: be assertive and have a responsive, knowledgeable teamEmotional takeaway: belief, education, and support can outmatch moneyConnect 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!

AI is moving faster than anyone expected — reshaping jobs, media, housing, and even how wealth advisors think. Today's Real Estate Rundown breaks down the massive shifts happening right now across tech, finance, and real estate… and what they mean for agents, lenders, and entrepreneurs heading into 2025 and beyond.

Rising house prices have wiped out the benefits of recent interest rate cuts for first-time buyers. Melbourne-based mortgage broker Siddharth Gupta offers guidance on boosting borrowing capacity and practical strategies for buying your first home.

Is Phoenix at risk of becoming a place where homeownership is simply out of reach for younger buyers?

Thinking about buying a home in Chicago during the holidays but feeling nervous about the market? You're not alone. Every winter I talk to buyers who are scared of overpaying, unsure about rates, and waiting for "the right deal." Here's the truth: the holiday season can be one of the best times to buy Chicago real estate—if you know what to look for.

Crain's residential real estate reporter Dennis Rodkin joins host Amy Guth to talk news from the local housing market, including the region's shrinking home affordability at every tier.Plus: Breakaway aldermen offer counter-budget that kills head tax, developer seeks $47 million tax break for Loop office-to-residential project, Streeterville high-rise sale marks priciest local apartment deal since 2023 and Medline to weigh marketing $5 billion IPO. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Meet Matthew Van Horn and Terry Kerr of MidSouth Home Buyers and MidSouth Best Rentals. These guys are laser focused on buying homes, fixing homes, and then selling them to you so you can sit back and make “mailbox money”. That's right. Passive income! The Holy Grail of entrepreneurship. They've developed the processes, lined up the miracle workers, and even manage the properties for you. Check this out if you've ever thought seriously about getting into real estate investing.   Find them at: https://midsouthhomebuyers.com/  https://midsouthbestrentals.com/    Things mentioned in the show: Science of Getting Rich by Wallace Wattles https://amzn.to/4nYLQ09  Die with Zero by Bill Perkins https://amzn.to/44bk757    --- Click here to change your life- http://eepurl.com/gy5T3T   Hit me up for a one-on-one brainstorming session- https://militaryimagesproject.com/products/brainstorming-session-1-hour    Check out my Linktree for different ways to rock your world! https://linktr.ee/ruggeddad    Check out the sweet Hyper X mic I'm using. https://amzn.to/41AF4px    Check out my best-selling books: Rapid Skill Development 101- https://amzn.to/3J0oDJ0 Streams of Income with Ryan Reger- https://amzn.to/3SDhDHg Strangest Secret Challenge- https://amzn.to/3xiJmVO This page contains affiliate links. This means that if you click a link and buy one of the products on this page, I may receive a commission (at no extra cost to you!) This doesn't affect our opinions or our reviews. Everything we do is to benefit you as the reader, so all of our reviews are as honest and unbiased as possible. #passiveincome #sidehustle #cryptocurrency #richlife

Keith discusses seven ways to get a lower mortgage rate, emphasizing the historical impact of the 1940s GI Bill on homeownership and wealth creation.  Caeli Ridge, founder of Ridge Lending Group, digs into smart tactics like adjustable rate mortgages, DSCR loans, and down payment options, plus insider tips on boosting your creditworthiness, timing your rate lock, and planning ahead so you can maximize your returns.  They also explore trends like 50-year mortgages and portable mortgages, and the benefits of FHA and VA loans for first-time buyers.  Resources: Want expert guidance on your next real estate investment or mortgage? Reach out to Ridge Lending Group for personalized support and a full range of loan options—whether you're a first-time buyer or seasoned investor. Visit ridgelendinggroup.com or call 855-74-RIDGE to take your next step! Episode Page: GetRichEducation.com/582 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, seven ways you can get a lower mortgage interest rate. We'll break them down loan types available to you that you never heard of, and learn how the 1940s GI Bill shaped the mortgage that you get today on get rich education   Speaker 1  0:22   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:07   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education. You Keith,   Keith Weinhold  1:23   welcome to GRE from the Romanian Black Sea to the Egyptian Red Sea and across 188 nations worldwide. I'm Keith Weinhold, and this is the indefatigable get rich education before we discuss the seven ways that you can get a lower mortgage rate and more in the 1940s before my dad was born, the GI Bill gave veterans returning from World War Two access to cheap home loans, and that single policy decision might have done more to shape the modern American Housing landscape than Anything else in the last 100 years. Think about it, millions of young men, almost kids, really had just spent the better part of their early adulthood in Europe or the Pacific. They came home, married their sweethearts, started families, and suddenly America had this booming demand for housing, but demand alone doesn't build homes. You also need money. You need access to credit, and that's where the GI Bill stepped in. It didn't just thank returning service members for their sacrifice. It handed them something way more powerful, the ability to buy a home with little money down a low interest rate and underwriting standards that would frankly look like a fantasy today, that access to credit sparked one of the biggest housing booms in American history. You had these entire suburbs that sprang up overnight, Levittown in New York, Lakewood in California. These were master planned communities, and they really became a blueprint for Post War America. We had the booming 50s, and this had a lot to do with it. Here's the part that most people don't understand. This wasn't just about housing. This was about wealth creation, because for better or worse, home ownership has been the primary wealth building vehicle for the American middle class these past 100 years, when you give millions of people a subsidized path into property ownership, you're not just giving them a roof. You're giving them equity appreciation, leverage, tax benefits. You're giving them the engine, this flywheel that spins up generational wealth in a lot of ways. The GI Bill is the earliest institutional example of what I at least tell you here on the show, real estate pays five ways. Now they didn't call it that in 1947 but that's exactly what it was. Veterans earned appreciation as suburbs grew. They had amortization working for them, they collected tax advantages. Inflation slowly eroded their fixed rate mortgage balances too. And here's the thing, these weren't even speculative investments. They were homes that they lived in. Now, of course, the GI bill wasn't perfect. It expanded opportunity for millions of people, but it excluded a lot of people too. Lenders and local governments often blocked black veterans and other minorities from accessing the same benefits. That's a whole story unto itself, but the takeaway for today is, when you combine demographic momentum with favorable financing, you can remake a nation, and that's why housing policy still matters today, which we'll get. Two shortly, when you change access to credit or just tweak it, you change the trajectory of families and markets for generations, and the GI Bill proved that. So when we talk about interest rates, affordability, supply shortages, or any of the high frequency housing data that we cover here, remember that the stories aren't just about numbers. They really are about people. They're about giving ordinary Americans the chance to build wealth the same way that those World War Two veterans did through ownership, stability and the quiet compound leverage, not compound interest. Compound leverage that real estate delivers over time.    Keith Weinhold  5:49   I'm bringing you today's show from, I suppose, a somewhat exotic location. I am inside Caesar's Palace, which is right near the very middle of the famed Las Vegas Strip, that's where I'm at. The hotel staff is always accommodative of the show setup. This might seem a little strange to you, because I'm not a gambler. The reason I'm here is that my brother lives 25 minutes away, and I've been with him during Thanksgiving. Next week, I'll bring you the show from Buffalo, New York, and then two weeks from now, I have something heart warming to tell you about that, and it is a real estate story. I'll be broadcasting the show from upstate Pennsylvania. I'll be there to visit my parents. My brother's also coming in from Nevada to be there. That's where the four of us, mom, dad, my brother and I will sit around the same dining room table in the same kitchen of the same home that my parents have lived in since the 1970s nothing has changed, and all four of us know our spots at the table. And actually, it's not even called the dining room table. It is the supper table, as my parents call it so, from flashy Caesar's Palace today to Buffalo and then to Appalachian simplicity in Pennsylvania, the stability and continuity of my parents living in the same home and four wine holds sitting around the table during the holidays, it is so rare. I imagine less than one or 2% of people can do this. I'm just profoundly grateful and proud of Kurt and Penny Weinhold for being the best, most stable parents I could have asked for. It's almost too much to ask, and if you don't have that in your life. Ah, you can do something about that. You can provide the same decency and stability for your children.    Keith Weinhold  7:50   Let's talk about seven proven ways you can get a lower mortgage rate with this week's terrific guest. Though, we'll focus on investment properties. A lot of this applies to primary residences as well.   Keith Weinhold  8:07   We are joined by the founder of the lender that's created more financial freedom for real estate investors than any other mortgage originator in the nation, the eponymous Ridge lending group. And though that sounds impressive, my gosh, she didn't even need that introduction for you the listener, because she's one of the most recurrent guests in show history. Welcome back to GRE Caeli Ridge,   Caeli Ridge  8:30   I am delighted to be here as always, Keith, thank you for your support and acknowledgement. I love what you do, and I'm hoping that I can bring more value today to your listeners in what it is that we do, educating the masses, right?   Keith Weinhold  8:42   You've been doing that here for about 10 years. And yes, we're talking about a woman with a reputation for writing emails in all caps, yet still maintains a great relationship with everybody. I mean, congrats, shaile. I couldn't possibly pull that off myself.   Caeli Ridge  8:58   Thank you, Keith. And you know, I'm going to stay by my all caps, man, it's a speed thing. It all boils down to the number of seconds in the day that I can just move quickly through an email. Yeah, I love my all caps.   Keith Weinhold  9:09   Apparently recipients are still replying, well, you can get a lower mortgage rate in at least seven ways. You can get an adjustable rate mortgage, do a midweek lock in, negotiate seller credits. Have a high credit score. Do a two one buy now, which is kind of old school, but some home builders are using it boost your DTI or buy now, not later. Those are some of the strategies for lowering your mortgage rate. What are your thoughts with regard to that?   Caeli Ridge  9:39   I think all of those are viable. I would just say on the adjust for a mortgage. The pushback I would give there is, is that for residential property, specifically, single family, up to four units, we are not finding that spread between the arm and a 30 year fix. We've been the industry as a whole, secondary specifically been on the inverted yield. Now this gets a little tough. Nickel, and I won't go down that rabbit hole, but 08, 09, the housing and lending crash created an environment within secondary markets where an inverted yield has made a 30 year fixed mortgage more favorable in the rate department. Now that's not always going to be the case. I am a huge fan of the adjustable, but what would work right now is an adjustable with the all in one not to take too much time on that topic, but that would be an adjust rate mortgage that I think would save interest or reduce the rate of which interest is accruing,   Keith Weinhold  10:30   the all in one loan, which we discussed extensively back at the beginning of this year here on the show. Long term, though, I have seen adjustable rate mortgages work for a lot of people, because really, the compelling proposition of the arm is that it guarantees that you get a lower rate in the near term, and yet there's only a chance that you're going to have a higher rate in the long term   Caeli Ridge  10:53   and further. Let's I mean, let's dissect that a little bit. I am a huge proponent. I love an adjustable rate mortgage when the arm is pricing a half or a full percentage point plus over a fixed especially for non owner occupied and the reason for that is, and this is statistically speaking, feel free to look this up, guys, the average shelf life of a mortgage for an investment property is about five years. Great point, right? And we know that if that's the case, right, we're refinancing to harvest equity. We're refinancing maybe to reduce an interest rate from where the market was before, et cetera, et cetera. So that would be the first thing I would say. And then also remember, you guys the first 10 years of an amortized mortgage, 30 year fixed, amortized mortgage, how much of that payment is going to the principal? Because people will often push back by saying, well, either an interest only, or an adjustable and what happens if it changes or it goes up? Most of your payment is going to the interest anyway, and that reset to harvest equity. Borrowed funds are non taxable. We always say that, right? I think it's fully justified. So I love an arm, I just don't know, in comparison to a 30 year fixed today, like a five year ARM versus a 30 year fixed we are in a place that it makes sense, but normally, to your point, absolutely. Fan   Keith Weinhold  12:06   that spread needs to widen for the arm to make more sense. What about doing a mid week rate lock in? Is that a thing?    Caeli Ridge  12:13   Yeah. And you know, I don't have any empirical evidence here. Okay, I don't have any data points that actually prove this, except for 25 years in the business and locking loans every day of my life. There's something about a Monday and a Friday. And I have some conspiracy theories. I don't know that. I it's necessary to share them here, but midweek locks tend to be more favorable in both points and interest rate than you'll find on a Friday and a Monday. I think largely it has to do with, you know, the stock exchanges shutting down for the weekend, right? You got a Friday, you got two days in between. You got foreign markets, and all the things that can explode and happen during that amount of time. So I think they hedge a little bit. So on Friday, going into the weekend, I think that there's something about that and why interest rates are a little less favorable. And then Monday, of course, coming off the weekend, similarly, maybe there's some truth to that too.   Keith Weinhold  13:02   Now, negotiating seller credits has really been a trend to help with affordability. Tell us about specifically what you're seeing there, what's common.   Caeli Ridge  13:11   So we're talking to investors. I can tell you that the loan products you guys are going to have access to are going to cap you, okay, you're going to cap at, per guideline, 2% of the purchase price. Okay, remember that your points that you're paying when you get into locking an interest rate are going to be calculated on the loan size, all right. So the first thing to know is seller paid closing costs, maximum is going to be 2% per underwriting guidelines. That 2% is based on your purchase price. Anything that you're paying points for is going to be on the loan balance, the loan size, so there's going to be a little extra there for you that can contribute or can pay for some other closing costs, right, depending on the numbers. Now, if you're smart enough, or lucky enough, or whatever, the market is viable enough that you can negotiate more than 2% from the seller to pay towards closing costs, you're going to be limited on what you can do on the loan side. But let's say that you go and you've negotiated 4% seller will pay 4% towards your closing costs. Then in that case, you can reduce, you got the two points that you're allowed per guideline. And then you can reduce the purchase price by the difference you don't want to leave that money on the table.   Keith Weinhold  14:15   That's how it's done. And then there's just simply having a higher credit score. What's the highest credit score that really helps you get the lowest mortgage rate for both primary residences and non owner occupied properties. Loan product   Caeli Ridge  14:29   type dependent. But I would say overall, 760 and above is kind of that threshold. There are products that go 780 maybe even on the rare occasion, 800 and above. If I had to pick a number as the absolute pinnacle, I'm going to go 780    Keith Weinhold  14:41   All right, so having a credit score above those thresholds really doesn't help get you a lower interest rate. It's really just a little flex that you've got an 811, credit score, or whatever it is. Now the two, one buy down. That's something that we used to see long ago. A few home builders are bringing it back. And what that does it allow? Homebuyers to pay a lower interest rate for the first two years with the seller covering the difference, and that allows the seller to get their price. They don't have to lower the price of the home at all. But the two one buy down, and you see that written, two, one that has been employed more recently. Tell us about that.    Caeli Ridge  15:18   Well, the builders are struggling in some cases, right? The affordability buzzword is all over the place. So they've had to get creative and find ways in which they can move their inventory. So I think they've done a good job at kind of shaving off some of their margins to satisfy or improve the terms for the consumer. So I like the two. One, if you can get it   Keith Weinhold  15:37   now, one can boost their DTI as well their debt to income ratio and Taylor. When we've talked about that before, we've usually talked about reducing your debts in order to improve your DTI. However, a lot of people don't think about the fact that, oh, well, you can increase your income that lowers your DTI to help you qualify. So tell us what is the max DTI that you can have   Caeli Ridge  16:00   maximum debt to income ratio, in most cases on a full dock loan is going to be 50% now, depending on the type of income that you earn or that you've demonstrated, how you calculate that can get a little bit tricky. But if you're just a straight w2 wage earner, we don't have, you know, commissions or bonuses or anything that we consider variable income, then you just take your gross income times 50% whatever that number is, all of your liabilities on the credit report, we do not count ordinary living expenses like food and gas and utilities and cell phone bills. It's the minimum payments on the credit report. As long as whatever that add up is fits within that 50% you're good to go.    Keith Weinhold  16:37   Now, when it comes to improving our DTI to get a lower mortgage rate, I tend to think it's easier to knock out some debts to improve your DTI. But what about the other side of it? What about increasing your income to improve your DTI, lower your mortgage rate and qualify? Can you talk about some of the strategies for increasing your income with respect to DTI?    Caeli Ridge  17:02   Absolutely. And the biggest one, I think that we probably want to focus on most is going to be on a schedule E, right? That's the one that you're going to have more control over. So when we talk about rental income and how we might be able to boost that first, it might be important to share that there are two ways in underwriting that we will calculate or quantify rental income. The first way is called the acquisition year formula. I'll give you that in just a second. It's very easy, but the way I think we focus on here, because acquisition year is going to be what it is, you're going to have very little ability to manipulate or change that once our rental properties fall on our tax return, specifically the Schedule E of a federal tax return, you as the taxpayer or the borrower are going to have some access to maximize or increase the income, or, let's actually get a little bit more granular there to maximize the gain or minimize the loss, by means of depreciation, maybe a cost seg, maybe we make sure that one time, extraordinary expenses are demonstrated on the tax return in the appropriate way so that underwriting can add those things back. So I know that this sounds technical, but the scheduling is the way that I would say is the easiest for an investor to maximize income, reduce debt to income ratio. And I will close by saying that ridge lending, I think one of our most valued value adds is the ability to help our clients look at their draft tax returns on an annual basis and present them with, Hey, listen, Mr. Jones, if you file this way, this draft tax return, if it files this way, this is what it means to your debt to income ratio. Here's my advice, right? We go into a lot of depth there with our clients.   Keith Weinhold  18:39   That is a smart, long term planning piece that most mortgage companies are not going to give you. They're not going to be forward looking, looking out for your next three years of growing your income property portfolio. And shortly, we'll talk about a way for you to qualify loans where you don't have to show tax returns or W twos or pay stubs. But while we're talking about how to get a lower mortgage rate and some creative ways to do that, I brought up, buy now, not later. And what do I mean by that? What I mean is say, properties appreciate even 3% over time. Buying now, I mean that is going to net you more equity if you buy now rather than waiting, than it would in the savings from a rate drop, when you look at the appreciation run up, however, if rates go up, then you get both the lower price and the lower rate by buying now, not later.   Caeli Ridge  19:32   And I would add to that, we have to remember that in addition to a very modest 3% in the home appreciation, we should be appreciating our rents at even a modest 2% a year, right? Depending on where you are, et cetera. I know that there's exceptions to the rule. And then finally, we got to add in that tax benefit, what you're going to get in your deductions, et cetera, et cetera.   Keith Weinhold  19:51   Yeah, great point. Well, I brought up seven ways that you can get a lower mortgage rate. Can you share a few more with us? Some common ones? Because I know. That almost everyone that calls in there wants to inquire about mortgage rate as well.    Caeli Ridge  20:03   Everybody wants, yep, everybody wants to talk about the rate, despite my vervet opposition to say, do the math. Do the math. Do the math. You know, the easiest one there would be buying down the rate. I'm going to try and formulate an example. Let's say you've got a really high wage earner and in the thick of their earning years, and they're trying to prepare for retirement down the road. It's a longer term burn. They desperately need tax deductions, and the deal that they're looking at, yeah, it's okay, but they want some extra expenses on the Schedule E, maybe they buy the rate down by three even 4% because points on an investment loan transaction are tax deductible, so that might be something, and they obviously benefit from the lower interest rate. Now I may push back on this, and I think again, I know I sound like a broken record here, but we really need to do the math. What are we getting versus what are we giving up to get a 6% or five and a half percent interest rate? What does that mean in real, tangible cost, and what's that? Break even? It's actually a fairly simple calculation. When you just divide the difference in what you're getting versus what you're paying for, and that'll give you the number of months that it takes to recapture the incentive versus the expense. But that would be the easiest one. Keith, I would say buying down points, using paying additional points to get that lower interest rate,   Keith Weinhold  21:20   buying down your rate. It could feel good in the short term, but it's often not the best long term or even intermediate term move when you do the math, as you always like to say, well, you the listener here, you know that you can qualify for mortgage loans, for rental properties without needing a w2 without needing a pay stub and without even needing to show tax returns, because you need all those things for a conventional loan, but for a DSCR loan, debt service coverage ratio, you don't. So talk to us about the pros and cons of a DSCR loan versus a conventional   Caeli Ridge  21:53   loan. Okay? And I've got a hook here too, because I think the listeners are gonna be very, very pleased to hear at the end of this statement, what's happening with DSCR in conjunction or comparison, rather to the conventional so DSCR everybody means debt service, coverage ratio. It's a very simple formula. We are going to take the gross rents and divide it by the principal and interest and taxes and insurance and association. If it applies, that's it.   Keith Weinhold  22:18   $1,000 in gross rents, $800 in p i, t i, that yields a DSCR of 1.25 Correct?   Caeli Ridge  22:25   Yes, you're absolutely right. The one that I use as I, just to keep it simple, is 1000 rents, 1000 piti. That's a 1.0 right? As long as the gross rents are equal or greater than the p i, t i, you're going to be in a position to get the more favorable rates. Now that's not to say that we can't go below a 1.0 ratio. You can actually have a property, we have products that will allow the DSCR to be a point seven five. That would mean, in this scenario, if you had rents, gross rents of 750, and the piti was 1000 you can actually get that loan done. That is allowed. The rate gets a little bit hairy. So more often than not, we're at the 1.0 and above. So this is just a really great way for investors who are either recently self employed, maybe they're adjusted gross, they just write everything off for reasons that you can imagine. Why? Right? They don't want to pay the taxes. It could be 100 different reasons. The DSCR option is such a great solution to provide a 30 year fixed mortgage same same similar leverage, if not sometimes even better than a Fannie Freddie, than a conventional loan, you can usually leverage a little bit more, in some cases, on a DSCR like a two to four, for example, two to four unit residential property, Fannie Freddie, they kind of cut those loan to values a little bit, and the DSCR loans don't care about that. So you can get the same leverage as a single family would in a DSCR. The only other primary difference is these DSCR loans are going to come with prepayment penalties. Typically, the standard is about three years, but we're usually not refinancing in the first 36 months. Anyway, if you know that that's applicable to you, then you'd have to buy the prepay down or out, which you can do otherwise. DSCR is amazing. Oh, and I'll give you the little hook here. So something I have observed this is maybe very recent 4550 ish days, the margin for interest rate difference between conventional and DSCR is really starting to narrow. DSCR products are really performing well, and that interest rate improvements that we've been seeing for those products is not far off from what the Fannie Freddie's are, and I've even seen examples where DSCR beats a 30 year fixed Fannie Freddie rate. Now those are for the higher loan amounts. I can explain if you want, but otherwise, that's good news.   Keith Weinhold  24:36   Okay, this is really good news. It's a time in the cycle where dscrs could very well make sense for you without that huge documentation Shakedown that you need with W twos and pay stubs and everything else. There are a lot of nascent trends in the mortgage industry, and we're trying to separate some of them from being rumors, from being something that can truly happen. We're talking about 50 year mortgages and poor. Affordable mortgages. More on that. When we come back, you're listening to get rich education. Our guest is Ridge lending Group President, Chaley Ridge   Keith Weinhold  25:07   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program. When you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest, start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text now it's 1-937-795-8989, yep, text their freedom. Coach, directly, again. 1-937-795-8989,   Keith Weinhold  26:18   The same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, start your pre qual and even chat with President Chaley Ridge personally, while it's on your mind, start at Ridge lending group.com, that's Ridge lending group.com   Dana Dunford  26:50   this is hemlanes co founder, Dana Dunford. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.    Keith Weinhold  26:58   welcome back to get rich education. We're talking with Ridge lending Group President and Founder, Chaley Ridge about how you can get lower mortgage rates, and also about some trends in the industry, separating what's really a rumor in what could really happen squaring on 50 year mortgages and portable mortgages, those are both things only being discussed by the administration to help with affordability. FHFA Director Bill Pulte created some jarring news recently when he publicized this. What are your thoughts on the 50 year mortgage?    Caeli Ridge  27:39   You know, on a primary residence basis, I'm not so sure I need to maybe put some more thought into that. But for an investment property, I love it. Man, anything to keep that payment down so that, because, remember, we talked about earlier in the show here the percentage of mortgages, let's just use our 30 year fixed for a second that for a rental property that start on day one and then stroke a check 360 times later to pay that to zero. Is a fraction of a percent right? We are refinancing these things. We are selling them and doing 1031 exchanges. So anything that can keep my cash flow higher and my payment lower, I am all for it. Now, the people that push back and say, Well, I want to pay off my mortgage in 15 years. I don't want to pay extra interest, you are welcome to do that. So there's a second piece to this that I think is equally as important as maximizing cash flow, and that is your qualification. All right, if this comes to pass, and right now, it could just be noise, okay, and I'm speaking specifically for investment property, but if this is available to us, the debt to income ratio component, because think about it like this. So I'm going to keep using my 15 year and my 30 year, because that's kind of what we understand. The payment difference between a 30 year 360 month and a 15 year 180 month can be substantial depending on the loan size. I mean, it can be hundreds and hundreds of dollars for the individual that is dead set and say, I don't want to pay the higher interest. I want to pay these things off. We may have arguments about that whole strategy to begin with, but overall, if they still want to do that and that's their decision, Fine, take the 30 year fixed payment. Take the 30 year fixed mortgage. Apply the difference. You can figure out that payment difference very easily. Apply it religiously. Every month. You will cross the finish line in about 15.4 years. Download an amortization calculator online. You can find them everywhere. Plug in your numbers, and you'll see what I'm talking about. If you were to do this, let's say the difference is 200 bucks a month, and you send it in every month with your 30 year fixed mortgage payment, you will cross the finish line to pay that thing off in about 15.4 years. So yes, you'll pay a few extra months of interest. But what have you done to your qualifications, right, your payment now on your debt to income ratio, when we're looking at this thing for a future optimization, never take the shorter term amortization, ever, ever, ever, you won't pay the higher interest that the 30 year or the 50 Year will probably come with because you've accelerated the payoff so long, if that's your choice. Now for everybody else that really wants. To maximize that cash flow. And they get that, they're going to be refinancing this every five, six, whatever it is, years take it, man, I am all for the longer term amortization on a rental.   Keith Weinhold  30:10   I agree with you. I even like the 50 year on a primary residence, but yeah, Chaley, right here on the show, several weeks before Bill Pulte made the announcement, I actually talked about the 50 year mortgage and compared it to the 30 and the reasons that I like it because I knew there was a chance it could be coming, since this administration is trying to do so much to help out with affordability, people buy based on a payment, not a price that lowers the payment. A 50 year mortgage helps you benefit from inflation, and there are a lot of other advantages that have to do with that, although you probably are going to pay a higher interest rate on a 50 than you would a 30. And you know, Chaley, when the 30 year mortgage had its Advent just after World War Two, I'm going to guess 75 years ago, people were having this same conversation like, oh, 30 years, my gosh, you're never going to pay off the home. And really, that's not what it's about.    Caeli Ridge  31:01   Not at all, not at all. And remember, you guys, I would encourage everybody listening to this to actually go get that amortization table and see how much interest is baked in and how it is applied and paid. It is the back end of any of these amortized mortgages where the principal actually starts to get applied in a meaningful way. The 50 year mortgage, or the longer term amortization is a huge advantage. I'm speaking for investors. Mostly. I love it.   Keith Weinhold  31:26   Some people say, are you nuts? Look at how much more interest you're paying over the life of the loan on a 50 year mortgage versus a 30 year mortgage. We already touched on that you're not going to keep that loan for the life of it, and if you just take the difference from the lower payment that a 50 Year gives you, and invest that in 8% return, you are going to crush 2x to 3x oftentimes, what the paltry interest savings are over several decades,    Caeli Ridge  31:26   and somebody else is making that payment right. We have tenants that are responsible   Keith Weinhold  31:47    100% and then there's something that I don't know if portable mortgages would fly. And what this means is that when borrowers move, they could keep the rate, keep their term and keep their lender, presumably for the new home you might have seen it in the news. You the listener that Fannie May remove the minimum credit score requirements from desktop underwriting. And Chaley, I think you let me know elsewhere that those changes don't affect non owner occupied, but of course, it could affect the broader housing market in pricing. What are your thoughts about lowering the credit score requirement   Caeli Ridge  32:28   so similar to the portable stuff, until it really reaches mainstream and it affects the non owner occupied I'm not deep diving into those things. The basis of it, though, is, is that, yeah, they're removing that minimum credit score requirement from a du underwrite that stands for desktop underwriter, as you said, that is Fannie Mae's sophisticated, automated underwriting system, and I think it's just going to give more eligibility to lower income households and people trying to become homeowners that have found the barrier for entry very restrictive because They have credit issues.    Keith Weinhold  33:00   Well, let's talk about FHA and VA loans, something that we have rarely, if ever touched on. Our listeners know that I started out making my first ever property of any kind, an FHA loan with three and a half percent down on a fourplex, living in one unit, renting out the other three. Tell us about some trends there in FHA and VA loans   Caeli Ridge  33:21   we actually just did house hack campaign. We did a webinar on it, co living, all those different ways in which, you know, the younger generation, especially, and this is true for anyone. I don't want to pigeonhole it, can get themselves into home ownership and propel them into the real estate investing as an asset class. I am such a big fan of this model, in this strategy, for anybody that's interested and willing to kind of coal mingle or habitat, like you did a four Plex at three and a half percent down, you've got three tenants that are making your mortgage payment. VA, likewise, any of the Gubby loans, which include VA, FHA, USDA, you can get high, high leverage and up to four units. So I'm a huge fan of that. And then the CO living is another thing that I think is not quite mainstream, but I think it's gaining steam    Keith Weinhold  34:09   for those that don't know what we're talking about, you can use an FHA loan with a three and a half percent down payment, as long as you live in one of the units, your credit score can even be pretty low, and you can do that with a single family home, duplex, triplex or fourplex. You can get those same benefits with a VA loan and zero down   Caeli Ridge  34:29   USDA also zero down if you're in the right zip code. How does one qualify for a USDA loan? You know, there's a website I would have you check out. We don't do a ton of those. We have the ability, of course, but there's income restrictions and all of this. They've got, actually, a pretty slick website where you can go online, type in the zip code, make sure it's in a rural area, what your income is. There's all these inputs, and it'll tell you if you'd be a candidate for it. But yeah, it's good. Rates zero down. I like the product.   Keith Weinhold  34:56   Well, there have been a lot of newsy items when it comes. Comes to mortgages. Caeli and I think we should drop back before we're done here and talk about the basics. Just basically, what does it take to get a non owner occupied loan for residential income property?   Caeli Ridge  35:12   You know, there's so many options for investors today that I would say that if you have access to and even with what we just said, house hack. I mean, listen, if you've got 3% down, three and a half percent down, you can probably assure yourself you can get into a property. And if you can't qualify from a income debt to income ratio perspective, you've got three or four other models, which include DSCR, bank statement loans, asset depletion loans, overall, I would say that this is an individual conversation. Chances are you could probably qualify today, and if you can't, one of the things that I love about Ridge lending is, is that we're going to help you plant the seeds and show you how to qualify. If it takes you three months or six months or a year, that's what we do.   Keith Weinhold  35:56   Yeah, we've definitely noticed the difference here and that you do help that investor with long term planning? I do my own loans at ridge, and my assistant here at GRE she recently got the ball rolling with you in there at Ridge as well.   Caeli Ridge  36:11   Brenda, yes, yes, that was fantastic. We are very looking forward to helping her.   Keith Weinhold  36:16   Well, you know, chili, I've come here with a lot of questions that I had. What's the question No one's asking you, but you wish that they would.   Caeli Ridge  36:25   I think it probably would be for me, planning. You know, we get a lot of questions about interest rates. That's kind of top of mind for everybody. More about planning, having people that are interested in real estate as an asset class and an investment have the conversations to say, this is where I'm at today. This is where I'd like to be in five years. Tell me how to get there, and we can have those high level conversations that really sort of reverse engineer it and say, Okay, this is where you stand today from an underwriting perspective. This is where you need to be, and here's how we're going to get you there. It's always about planting seeds and creating those roadmaps, as I like to say so I would say that that would be top of my list.   Keith Weinhold  37:02   That's exactly what you do in there, and that's really what sets you apart. Well, remind our audience how they can get a hold of ridge.   Caeli Ridge  37:11   Yes, there's a couple ways. Of course, our website, Ridge lending group.com Please email us info at Ridge lending group.com and then call us toll free. 855-747-4343, 855-74-RIDGE  is an easy way to remember.   Keith Weinhold  37:25   It's really been valuable this time. Chaley, thanks so much for coming back onto the show.   Caeli Ridge  37:29    Appreciate you. Keith.   Keith Weinhold  37:36   Oh yeah, good pointed info from Chaley over at Ridge, I think that the important things for you to remember from our conversation is that, gosh, isn't it so glaring like in your face that you have options. All these options when you engage with a lender, you're going to learn that there are probably loan programs that you've never even heard of, some that you might fit into and even if you aren't adding more property, if you're not in that phase, there are ways that you can take your existing loans and consolidate them or refinance them, or use them to produce a tax free windfall for yourself and the US is often the envy of other world nations with the flexibility that we have here in our mortgage market. I've never known anyone that does this better than Chaley and her team. I mean, they are real difference makers. If you learn something on today's show, hey, Don't hoard the good stuff. Engage in the nicest kind of wealth redistribution. Tap the Share button right now and share this on social, or text this episode to one friend who'd appreciate it. That would mean the world to me. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  38:57   Nothing on this show should be considered specific personal or professional advice, please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively   Keith Weinhold  39:25   The preceding program was brought to you by your home for wealth building, getricheducation.com  

Homebuyers facing last-minute mortgage delays will learn why banks suddenly tighten underwriting, scrutinize income, and place closings on hold. In this episode, Kris Krohn breaks down how lenders view equity, what documentation really matters, and how switching lenders can sometimes save a deal. This conversation is packed with practical guidance for navigating home loan approvals, real estate investing, and managing stressful closing timelines.

Are you thinking about buying a home in 2026 but not sure when to start planning?Do you feel like it's too early to reach out to a realtor… or maybe afraid of wasting their time? You're not alone—and that's exactly why this episode is a must-listen.In this episode, Seth dives deep into the importance of early engagement in real estate planning. Whether you're a first-time buyer or a seasoned investor, planning ahead can save you stress, time, and unexpected headaches. From personality-driven decision-making styles to overcoming fears around finances and agent communication, this episode is packed with real talk and practical advice.And if you've ever wondered how AI is about to change the real estate game—Seth gives a sneak peek at what's coming next week.If you're serious about buying a home in 2026 (or even thinking about it)... then this episode is for you. Episode Breakdown:00:00 Planning for 2026: Why Early Preparation Matters00:49 Welcome to the Podcast01:37 Why You Should Start Talking to Realtors Now03:30 Tech Brains vs. Entrepreneurs: Different Buying Styles09:21 How to Navigate Financial Setbacks Without Shame14:50 Closing Thoughts + Next Week's AI Sneak Peek

Your 60-second money minute. Today's topic: One Last Homebuyer Gasp Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The final 2025 How to Buy a Home Episode Guide is here. Specifically curated for first time home buyers. Use your holiday downtime to get ahead on your homebuying journey. This curated playlist of the best How to Buy a Home episodes is your shortcut to clarity, confidence, and real progress.

The median age of first-time buyers was at an all-time high in 2025. What does this, and other facts and trends about consumers, mean for agents? Alex walks us through some highlights from the National Association of REALTORS® 2025 Profile of Home Buyers and Sellers Report and what you can glean from it to support your business. Highlights From the Profile of Home Buyers and Sellers: https://www.nar.realtor/research-and-statistics/research-reports/highlights-from-the-profile-of-home-buyers-and-sellers

First-time homebuyers used to be in their early 30s. Today? The median first-time buyer is nearly 40 years old — and the ripple effects are reshaping America's housing market. In this conversation, Kathy Fettke sits down with NAR's Deputy Chief Economist Jessica Lautz to break down the newest data on affordability, delayed homeownership, rising rents, the surge in all-cash buyers, and why so many Americans are locked out of the market longer than ever. They also discuss how this impacts real estate investors long term. 

Dave Jones sits down with lender Giovanni Cervantes for an honest conversation about the realities black and brown buyers are facing right now. They unpack the challenges first-time homebuyers are running into, the fears many Latino families carry around homeownership, and how down payment assistance programs can open doors for people who don't think buying is possible.Giovanni shares how his immigrant upbringing and move from Mexico shaped his purpose in lending, and why education and community support matter more than ever in today's market.A grounded, practical episode full of insight — and a clear call for buyers to lean into preparation, resources, and community.Follow Giovanni Cervantes online: Instagram - @lendingwithgioEmail: giovanni.cervantes@movement.comPhone: (206) 687-6794-------

Stu Burguiere reacts to some popular information circling the mainstream media regarding the future of our housing market and explains why one MAJOR factor is missing from their calculus. Then Blaze News managing editor Rob Eno joins in to give us HIS roundup of how the mainstream media and Left are faring in Donald Trump's second term. And Stu checks in on his favorite new person: Olivia Nuzzi.  TODAY'S SPONSORS AMERICAN GIANT CLOTHING Buy American today at http://www.american-giant.com/STU and save 20% when you use the name ‘STU' at checkout   REAL ESTATE AGENTS I TRUST For more information, please visit http://www.realestateagentsitrust.com Learn more about your ad choices. Visit megaphone.fm/adchoices

The 50-year mortgage is being hyped as a way to make homes more “affordable" according to President Trump. Join Caleb Guilliams to walk through the numbers, the opportunity cost, and why extending mortgages doesn't actually solve the affordability crisis, while also explaining the two scenarios where it might help. Analyze the math, the risk, and the long-term impact on housing prices.Want to Pay Less in Taxes to the Government? Click Here: https://betterwealth.com/tax====================DISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice.Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Should you wait to buy in 2026? Or is now actually your best shot? This special year-end episode unpacks what happened in 2025 — and what's coming in 2026 — using real data from 150+ housing analytics sources. If you're a renter trying to make the smartest financial move, this is the episode you can't afford to miss.It's not just another forecast — it's your reality check. In this extended episode, David Sidoni breaks down the true state of the 2025 housing market and delivers an evidence-based prediction for 2026 that every first-time buyer needs to hear.You'll learn why “waiting for a crash” is not a plan, why prices might hold or rise even in a weird economy, and how to separate real market shifts from fear-driven headlines. David shares findings from over 150 housing reports, daily economic updates, and expert webinars — cutting through the noise to help you make an informed decision.With interest rates, low inventory, and price trends all colliding, the data says that the best buying opportunity might be happening right now. You'll also get the red flags to watch for, and the strategies smart buyers are using to take advantage of this window before it closes in spring 2026.If you're trying to time your move — or just make sense of conflicting opinions — this episode delivers the clarity you've been waiting for.“None of the data says that waiting for 2026 will save you money. The best time for a renter to buy a home… was yesterday.”HighlightsWhy home prices didn't fall in 2025 — and what's likely for 2026What over 150 housing reports and data sources reveal about the year aheadDebunking the myth of timing the market for a “better deal”The rent math: how buying now can still be smarter than waitingRed flags for 2026: bad advice, bad headlines, and bad timingWhy winter 2025–2026 could be your best buying windowStrategies to prepare now — even if you're planning to buy later next yearReferenced EpisodesConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

The National Association of Realtors' latest data shows a historic shift in the U.S. housing market: the typical first-time homebuyer is now 40 years old. In this episode, Kathy Fettke breaks down why first-time buyers are aging, what rising mortgage rates and record-high prices have to do with it, and how this trend is reshaping inventory, mobility, and long-term wealth building. We also look at what improving mortgage rates and growing supply could mean for buyers heading into 2026. Want to access our 500 FREE Webinars? Just visit www.NewsforInvestors.com  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 SOURCES: https://www.realtor.com/news/trends/first-time-homebuyer-median-age-2025/  https://www.nar.realtor/newsroom/first-time-home-buyer-share-falls-to-historic-low-of-21-median-age-rises-to-40 

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