Podcasts about homebuyers

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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.

Dan Ahlstrand and Clinton Wilkins discussed the need for Canadians to understand income, assets, and credit, especially amidst economic challenges like recession and high inflation.

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-------

Buying your first home is exciting… and a little blinding. Realtors point to the shiny kitchen and fresh paint — but the big money problems are often hiding outside the four walls. In this episode, Coach Matt shares what first-time (and even 10th-time) buyers need to look for in the landscape before they sign on the dotted line:

This week on “Henssler Money Talks,” we're digging into what Thanksgiving really costs in 2025. Walmart is rolling out a dinner basket that feeds 10 for under $4 per person—though it's a bit leaner than last year and noticeably missing those beloved King's Hawaiian rolls. Target's four-person meal rings in under $20, even as grocery prices climb 2.7%. We break down what all of this says about inflation, consumer behavior, and the state of the American wallet heading into the holidays.Then we turn to the markets. November has been a tougher month for stocks, and as third-quarter earnings season winds down, big names like Nvidia are still set to drive headlines. Can its results turn the week around? With the government shutdown now off the table, investors are also gearing up for a fresh round of economic data—including minutes from the Federal Reserve's October meeting that may offer clues about the path of interest rates. We unpack what investors should watch and what it all means for your portfolio.After the break, we dive into a headline-grabbing idea: 50-year mortgages. The Federal Housing Finance Agency is floating the concept, but would stretching a home loan over five decades make homebuying more accessible—or simply saddle borrowers with far more interest over time? We lay out the potential benefits, the pitfalls, and what this could mean for future homeowners.And in our year-end planning segment, we turn to single-member LLCs and gig-economy workers. If you work for yourself, now is the time to take stock of your 2025 tax picture. We'll walk through what counts as income, which expenses qualify as deductions, and how to maximize retirement contributions before the year wraps up.Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — November 22, 2025  |  Season 39, Episode 47Timestamps and Chapters5:39: Gravy, Gobble, and Grocery Bills13:47: Earnings, Rates & Market Trends26:37: 50-Year Home Stretch41:31: Solo but Smart: Year-end Financial Moves for Your LLCFollow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ 

This week on LoanOfficerPodcast.com, Chris Johnstone breaks down one of the most important industry shifts we will experience in our lifetime: the rise of AI-powered search, customer service, and referral generation.   We're no longer talking theory. AI is already recommending mortgage lenders, generating full 1003 applications, and reshaping how homebuyers shop for real estate and financing. Chris explains why this transition will move faster than Google's rise — and what loan officers must do now to stay relevant and win.   3 Big Takeaways:   AI is becoming the new search engine: Homebuyers are already asking ChatGPT who to work with — and choosing its recommendations. Authority scoring now determines who AI recommends: Loan types, local content, and weekly training signals shape whether AI sees you as an expert. This shift is moving fast — faster than the Google era: Loan officers who adapt early will dominate. Those who wait risk becoming the next Blockbuster.     Don't fall behind the curve. This episode could be the competitive edge you need in 2025.

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

Ilyce Glink, ThinkGlink.com and the Love, Money + Real Estate newsletter, joins Lisa Dent to talk about homebuyers. Glink shares that the median age for a first time homebuyer is 40 years old. She gives her perspective on the idea of 50-year-mortgage and compares its total cost when compared to a 30-year-mortgage, expressing doubt that […]

First-time homebuyers often go with any agent they can find, not realizing that a buyer's agent is the one who truly advocates for their side. But is hiring a dual agent really that bad? Tune in to find out.Learn more at https://buyeragentsearch.com/find-a-buyers-agent/ Skyfor, Inc. dba National Buyers Agents Association City: Evergreen Address: 7652 Gartner Rd. Ste. 723 Website: https://buyeragentsearch.com

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.

The I Love CVille Show headlines: Avg Age For 1st Time US Homebuyer Is 40 Yrs Old 40 YO 1st Time Buyer: Impact On CVille & AlbCo? Will Two UVA BOV Members Get Fired In One Year? Prop Bet: Sheridan Resigns Or Spanberger Fires Her? How Can The Railway Make CVille A Better Place? Laura Fonner Leaves Beer Run For Staunton Eatery What's The Impact Of VA Tech Hiring James Franklin? If You Need CVille Office Space, Contact Jerry Miller Read Viewer & Listener Comments Live On-Air The I Love CVille Show airs live Monday – Friday from 12:30 pm – 1:30 pm on The I Love CVille Network. Watch and listen to The I Love CVille Show on Facebook, Instagram, Twitter, LinkedIn, iTunes, Apple Podcast, YouTube, Spotify, Fountain, Amazon Music, Audible, Rumble and iLoveCVille.com.

In this episode of Laugh, Lend & Eat, Fobby brings on one of the most respected voices in housing research, Kristin Messerli, to tackle a problem the mortgage industry can't afford to ignore:

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!

Buying your first home? Don't walk into a negotiation blind.In this episode, Mike and Adam break down the exact strategies every first-home buyer needs - from spotting genuine negotiation opportunities to avoiding common traps, understanding timing, reading the market, structuring offers, and knowing when to push, walk away, or say yes.Next Steps: Ready for more? Register now for our upcoming webinar with Rethink Investing, where Scott O'Neill, Dylan Menzies and Michael Vincent unpack how to invest smarter and spot real opportunities in 2026.If you need guidance on what to buy and how to negotiate it, connect with the Lighthouse Property team - we're here to help.For more money tips follow us on:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

Buying a home is exciting — but it also comes with financial responsibilities most new homeowners never hear about. In this episode, Rob breaks down the real costs of owning a home and teaches you how to prepare, budget, and protect yourself from surprise expenses. You'll learn: The hidden costs buyers underestimate How to budget for repairs, maintenance, and emergencies When property taxes and insurance can climb fast Investor-style planning that reduces stress How to build a Home Fund that protects your peace of mind Real stories of homeowners who were prepared — and those who weren't If you want to buy a home confidently (or keep the one you have without financial stress), this episode is a must-listen.

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 

Join economist Dr. Orphe Divounguy and Chris Krug as they discuss home builder incentives on this episode of Everyday Economics! Everyday Economics is an unrehearsed, free-flow discussion of the economic news shaping the day. The thoughts expressed by the hosts are theirs, unedited, and not necessarily the views of their respective organizations. Support this podcast: https://secure.anedot.com/franklin-news-foundation/ce052532-b1e4-41c4-945c-d7ce2f52c38a?source_code=xxxxxx Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

  As the years go on, first-time homebuyers are getting older. Previous to 1989, they were in their 20's, then they crawled through the 30's, and now in 2025, they have officially hit 40. As more adults are living with their families, questions arise about how we get people into homes.

The average first-time homebuyer is almost 40 now — up almost seven years since 2020. Paul and Evan discuss the challenges of being a first-time homebuyer in today's market and the shifting attitudes toward home ownership. Listen along as these advisors share the steps of purchasing your first home, some advice they have for people considering home ownership, and why first-time homebuyers shouldn't be afraid to start small and wait until the time is right.    Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

Everyone wants to save money on their home and this week on Real Estate Today, we're showing you how. From lowering your mortgage rate to dodging rising insurance premiums, we'll cover the smartest ways to protect your wallet and make the most of your real estate investment. Learn how REALTORS® help clients avoid costly mistakes, what smart financial strategies can help homeowners save more, and how a little paint can go a long way in a budget-friendly remodel. Guests include Matt Schulz, chief consumer finance analyst at LendingTree; Travis Hodges, managing director of VIU; Sue Wadden, director of color marketing at Sherwin-Williams; Rebecca Hidalgo, REALTOR®; and Tom Staub, CEO of Red Oak Development Group. Plus, in our Hot or Not segment, we explore two home design trends making headlines: home theaters and tinted windows.

It's Wednesday, November 12th, A.D. 2025. This is The Worldview in 5 Minutes heard on 140 radio stations and at www.TheWorldview.com.  I'm Adam McManus. (Adam@TheWorldview.com) By Jonathan Clark Chinese Communists arrested and detained three Christians Communist authorities in central China arrested and detained three Christians from a house church this month. Two of the Christians are pastors. They are facing trumped up charges of “fraud” and had previously spent over two years in custody. Officials often use such charges against house church leaders for simply receiving tithes and offerings. ChinaAid noted, “In recent years, the charge of ‘fraud' has increasingly been used by local governments across China as a common tactic to suppress pastors of house churches systematically.” Psalm 14:1, 4 says, “The fool has said in his heart, ‘There is no God.' They are corrupt, they have done abominable works, there is none who does good. … Have all the workers of iniquity no knowledge, who eat up My people as they eat bread, and do not call on the LORD?” Japanese soldiers address attacks by bears Japan deployed troops to the northern part of the island country last week to deal with a string of deadly attacks—from bears. Since April of this year, bears have killed at least 13 people in Japan and injured over 100 more. That's the most fatalities on record. Experts are blaming the attacks on a poor acorn harvest this year. Bears are now leaving their natural habitats and wandering into urban areas to find food. In one incident last month, a bear attacked shoppers at a supermarket 80 miles north of Tokyo.   Supreme Court affirms Trump's call for biologically accurate passports In the United States, the U.S. Supreme ruled in favor of the Trump administration in a case involving so-called gender identity.  The ruling allows the State Department to require passports to list the holder's biological sex at birth. The court ruled 6-3 along ideological lines.  The ruling stated, “Displaying passport holders' sex at birth no more offends equal protection principles than displaying their country of birth—in both cases, the government is merely attesting to an historical fact without subjecting anyone to differential treatment.” Nebraska defunded Planned Parenthood Nebraska became the latest state to defund abortion providers like Planned Parenthood.  The state's Republican Governor Jim Pillen  signed an executive order last Thursday to end Medicaid funding to abortion providers. Nebraska made the move after the U.S. Supreme Court allowed South Carolina to defund Planned Parenthood.   Listen to comments from Nebraska State Attorney General Mike Hilgers. HILGERS: “Today is a culmination of years of work to ensure that Nebraska taxpayers no longer have their tax dollars going to fund abortions in the state of Nebraska. It's a fight that has gone on even from my time in the legislature.  “When we first got Title X funds, we stopped Title X from going to abortion providers, and now, thanks to [Nebraska] Governor Pillen's leadership, we have finally gotten to a place where taxpayer funds will no longer support abortions.” Age of first-time home buyer has increased to record high of 40 The National Association of Realtors released their 2025 Profile of Home Buyers and Sellers. The share of homes being bought by first-time buyers dropped to a record low of 21% over the last year. Meanwhile, the typical age of a first-time buyer climbed to an all-time high of 40. Jessica Lautz, Deputy Chief Economist for the National Association of Realtors, said, “The historically low share of first-time buyers underscores the real-world consequences of a housing market starved for affordable inventory.” Regular Bible readers are more generous The American Bible Society released a new chapter from its State of the Bible USA 2025 report. The research found people who read the Bible regularly are more likely to be generous. Among Christian denominations, Evangelical Protestants have the highest percentage of givers and the highest median amount given. John Plake with the American Bible Society said, “The correlation between Scripture engagement and loving behavior and generosity is undeniable. The more people engage with Scripture, the more likely they are to give of their time, talents, and treasures and to act lovingly toward their neighbors.” In 1 Corinthians 9:7, the Apostle Paul wrote, “So let each one give as he purposes in his heart, not grudgingly or of necessity; for God loves a cheerful giver.” Florida's first search-and-rescue otter And finally, officials in Florida are deploying their first ever search-and-rescue otter. Splash, the two-year-old otter, is now helping the Martin County Sheriff's Office in search and rescue missions. Splash uses a unique bubble technique to detect scents underwater. This allows him to find missing bodies more effectively than dive teams can.  Listen to comments from Sheriff John Budensiek to CBS12 News. BUDENSIEK: “We see a lot of innovative things with technology [Artificial Intelligence], but we're going back to the basics of using an animal to do what they do best, and that's to go in their own environment and detect things that don't belong there.” A rescue otter.  What a brilliant way to employ one of God's creatures to rescue those made in God's image! Close And that's The Worldview on this Wednesday, November 12th, in the year of our Lord 2025. Follow us on X or subscribe for free by Spotify, Amazon Music, or by iTunes or email to our unique Christian newscast at www.TheWorldview.com.  I'm Adam McManus (Adam@TheWorldview.com). Seize the day for Jesus Christ.

HEADLINES:♦ Saudi Arabia To Offer Lifetime Residency To Foreign Home Buyers: AGBI Reports ♦ Saudi Fintech Firm Lean Eyes Expansion And IPO Opportunities ♦ Dubai's ultra-luxury property market is breaking new records — even before construction begins ♦ Cristiano Ronaldo Backs Saudi Arabia's Tourism Vision at TOURISE 2025  Newsletter: https://aug.us/4jqModrWhatsApp: https://aug.us/40FdYLUInstagram: https://aug.us/4ihltzQTiktok: https://aug.us/4lnV0D8Smashi Business Show (Mon-Friday): https://aug.us/3BTU2MY

Does navigating Maine's real estate market warrant the aid of a buyer's agent? Can you do with a listing agent? If you're serious about relocating to the Pine Tree State, this episode is for you.Learn more at https://buyeragentsearch.com/find-a-buyers-agent/ Skyfor, Inc. dba National Buyers Agents Association City: Evergreen Address: 7652 Gartner Rd. Ste. 723 Website: https://buyeragentsearch.com

In this episode of "People Not Titles," Steve Kaempf and Matt Lombardi discuss the end of the U.S. government shutdown and its positive impact on real estate market confidence, as well as former President Trump's proposal for a 50-year mortgage to boost housing affordability. They also analyze a class action lawsuit against Zillow, the appointment of a Chief Data Officer at the National Association of REALTORS®, and the effects of a K-shaped economy on different market segments.Government Shutdown Resolution and Market Impact (00:00:00)Details of the Shutdown Deal and Next Steps (00:01:14)Psychological and Market Effects of Shutdown (00:02:41)Trump's 50-Year Mortgage Proposal Overview (00:03:41)Potential Benefits and Psychological Impact of 50-Year Mortgages (00:05:19)Legal Hurdles and Market Implications of 50-Year Mortgages (00:08:32)Zillow Class Action Lawsuit: Alleged Kickbacks (00:12:28)Bundled Services and Consumer Harm Concerns (00:13:39)Zillow's Super App Strategy and Legal Context (00:15:38)NAR Appoints First Chief Data Officer (00:19:32)K-Shaped Economy and Real Estate (00:23:03)Chicago's Luxury Housing Market Hits Record (00:28:56)NAR Profile of Home Buyers and Sellers: Key Trends (00:32:24)Demographic Shifts and Opportunities for Agents (00:34:37)Repeat Buyers and Market Motivators (00:35:25)Neighborhood Quality and Home Search Trends (00:36:12)Longer Homeownership Tenure and Market Effects (00:37:31)Generational Market Trends: Gen Z and Affluent Buyers (00:39:00)Land Trust Title News and Veterans Day Shoutout (00:39:46)Chicago Bears and Local Sports Update (00:41:02)Podcast Closing and Call to Action (00:41:48)Full episodes available at www.peoplenottitles.comPeople, Not Titles podcast is hosted by Steve Kaempf and is dedicated to lifting up professionals in the real estate and business community. Our inspiration is to highlight success principles of our colleagues.Our Success Series covers principles of success to help your thrive!www.peoplenottitles.comIG - https://www.instagram.com/peoplenotti...FB - https://www.facebook.com/peoplenottitlesTwitter - https://twitter.com/sjkaempfSpotify - https://open.spotify.com/show/1uu5kTv...

In this conversation, Brianna Wenrich from Kaydem Credit Help discusses the importance of credit restoration and education. She explains the difference between credit repair and credit building, the multi-channel approach to disputing negative items on credit reports, and the trends she observes in the industry, particularly regarding student loans and evictions. Brianna emphasizes the need for individuals to understand their credit reports and when to seek professional help for credit repair.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

In this episode of The Market Pulse, host Aaron Fichera is joined by multifamily operations expert Adrian Danila, founder of Multifamily X Consulting, to explore how the real estate industry is shifting to meet the demands of Gen Z and younger millennials.Adrian shares powerful insights into the mindset of next-gen renters—and future homeowners—including their expectations around tech-enabled living, authenticity in branding, fast response times, and meaningful community engagement.Whether you're a home builder, real estate developer, or multifamily marketer, this episode delivers practical strategies to help you future-proof your brand and turn today's renters into tomorrow's buyers.

Stephen Kates of Bankrate says that isn't a good idea because you are not building any equity. He also takes a look at inflation and car loans

Seattle’s red hot housing market is shifting. But that doesn’t mean more people are buying homes. Seattle Times reporter Alexis Weisend explains what’s keeping buyers back. Sound Transit survey We can only make Seattle Now because listeners support us. Tap here to make a gift and keep Seattle Now in your feed. Got questions about local news or story ideas to share? We want to hear from you! Email us at seattlenow@kuow.org, leave us a voicemail at (206) 616-6746 or leave us feedback online.See omnystudio.com/listener for privacy information.

Would a 50 year mortgage help home buyers? HR 1 full 2323 Mon, 10 Nov 2025 15:59:20 +0000 QMivjzJg0vNji6Hdooj6TWzGcZvWvkT0 news MIDDAY with JAYME & WIER news Would a 50 year mortgage help home buyers? HR 1 From local news & politics, to what's trending, sports & personal stories...MIDDAY with JAYME & WIER will get you through the middle of your day! © 2025 Audacy, Inc. News False https://player.amperwavepodcasting.com?feed-l

 Headlines: – Welcome To Mo News (02:00) – Flight-Cancellation Plans Prompt Scramble Across Travel Industry (04:20) – Senate To Vote On Pathway To End Shutdown (06:40) – SNAP Benefits Must Be Fully Paid by Trump Administration By Friday, Judge Orders (07:10) – First-Time Home Buyers Are Older Than Ever (08:10) – Kazakhstan To Join Abraham Accords (11:15) – Teacher Awarded $10M In Lawsuit Against Principal Who Failed To Stop 6-Year-Old Who Shot Her (13:25) – Nancy Pelosi Says She Will Not Seek Reelection (15:10) –  Obesity Drugs May Drop to as Little as $149 a Month (16:50) – Starbucks' Viral Bearista Cup Is Causing Mayhem: ‘I Will Fight You for It' (18:50) – What We're Watching, Reading, Eating (20:40) Thanks To Our Sponsors:  – ⁠LMNT⁠ - Free Sample Pack with any LMNT drink mix purchase –⁠ Industrious⁠ - Coworking office. 50% off day pass | Promo Code: MONEWS50 – Surfshark - 4 additional months of Surfshark VPN | Code: MONEWS – Factor Meals – 50% your first box plus free shipping | Promo Code: monews50off – Monarch Money - 50% off your first year | Promo Code: MONEWS

The Moneywise Radio Show and Podcast Thursday, November 6th  BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Guys" podcast call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guest: Lori Malkin, Founder/Chairperson of JJ's Legacy website: www.jjslegacy.org/ facebook: JJ's_Legacy instagram: @jjslegacy    

The expert realtors at Berkshire Hathaway Premier Partners have some new statistics about first time homebuyers and how that age is not what we have seen in the past. Get the inside scoop on how you can position yourself to be a homeowner ahead of this trend.See omnystudio.com/listener for privacy information.

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In this episode of the Real Estate Pros podcast, host Kristen interviews Fred Wikkeling, a seasoned real estate professional with 49 years of experience. Fred shares his journey into real estate, his passion for helping first-time homebuyers, and insights into the current market dynamics. He discusses the importance of understanding the home buying process, the opportunities available for first-time buyers, and his mission to promote affordable housing. Fred emphasizes the need for mentorship and knowledge in navigating the real estate landscape, making this episode a valuable resource for anyone interested in homeownership.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Crain's residential real estate reporter Dennis Rodkin and host Amy Guth discuss the latest from the local housing market, including Cook County tax bill delays causing homebuyer headaches.Plus: The suite of health care bills passed by Illinois lawmakers, AAR inks big office lease at Merchandise Mart, GoHealth plans to cut nearly 500 more jobs and former Mayor Daley creates merchant bank with son and longtime associate. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The typical first-time home buyer in the U.S. was 40 years of age, an all-time high, according to an annual report released this week from the National Association of Realtors. The surveys were based on transactions between July 2024 and June 2025.Additionally, only 21% of purchases were from first-time buyers, an all-time low and roughly half of the 2007 figure.From a multifamily perspective, rental housing is now capturing adults for approximately an extra decade longer than it used to, primarily due to affordability and lack of inventory. While that is a boost to rental housing demand, the trend has been a drag on the economy and job market.Explore our webpage for more insights and resources:https://bit.ly/Radix_Website

Redfin's Chen Zhao joins Nicole Petallides at Charles Schwab's IMPACT 2025 Conference to explain how housing demand remains "frozen." She says that prospective buyers shouldn't expect to see the "ultra low" mortgage rates of 2019, though she believes wages will catch up to prices. For those seeking a home now, Chen says it's impossible to "time" the housing market and offers homebuying advice.======== 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

AM looks at Australia's housing market and why it's hard for people to crack.

AM looks at Australia's housing market and why it's hard for people to crack.

We have the list of most-requested home features!

A simple complete guide for first-time home buyers. To get a PDF version of this episode, reach out to me at leonelhomeloans@gmail.com

Tara Mychelle doesn't just walk into homes, she listens to them. In this episode, she chats with us to share how intuition, empathy, and unseen energy can shape what happens in real estate. Tune in and you'll never look at a “stuck” listing the same way again!   Key takeaways to listen for How emotional energy can affect the sale of a home Why certain homes feel “off” and how to clear that energy The role of intuition in guiding both buyers and agents How Tara blends biotech and spiritual consulting in her practice What agents can do to help homeowners move forward emotionally   Resources mentioned in this episode Stonewall Jackson House | AMERICAN HERITAGE   About Tara Mychelle Tara is the founder of Soul'd Spaces, a company that blends real estate expertise with energy alignment to help homes sell faster and feel more harmonious. With over 25 years in real estate and more than two decades of experience in energy work, Tara bridges the practical and spiritual sides of home transitions. Through Soul'd Spaces, she helps clients achieve alignment so their homes and lives move forward with intention and transformation.   Connect with Tara Website: Soul'd Spaces Podcast: Rooted & Rising: Stories of Transformation, Intuition, and Soul-Led Healing Instagram: @souldspaces Email: tara@souldspaces.com   Connect with Leigh Please subscribe to this podcast on your favorite podcast app at https://pod.link/1153262163, and never miss a beat from Leigh by visiting https://leighbrown.com. DM Leigh Brown on Instagram @ LeighThomasBrown.

Lo is joined by real estate strategist Scott Harris, whose decades of experience and new boutique approach to brokerage reshapes how buying and selling should feel. Scott, having brokered nearly $2 billion in NYC properties and recently founding Magnetic, unpacks the biggest mistakes buyers make today, how to reframe beliefs like “I'll never own a home,” and the four-step “Magnetic Method” (Activate → Align → Amplify → Attract) he uses to help clients land properties they truly love.Scott shares the most misunderstood step in his method and digs into why so many people get stuck there. He walks through a “mission impossible” transaction from his NYC career and reveals the pivot that made it happen. The conversation also explores how to balance your dream home wishlist with what's realistic, and why sometimes a “starter home” is the smarter move. For women or people buying solo, he highlights unique negotiation, financing, and mindset hurdles and how to coach past them.You'll also learn the invisible costs most buyers forget (maintenance, taxes, inflation, HOA, renovations), and discover what gives one buyer the edge in an offer war that isn't just about money. In closing, Scott offers concrete steps listeners can take 6–12 months ahead of a purchase to set themselves up for success.Whether you feel like the market is stacked against you or you're just curious how to bring more intention into your home search, this is a guide for confident, heart-forward real estate — not just transactions.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.