Podcasts about homebuyers

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

We tlk to Terence Hammond a mortgage broker about Sydney's median house price has jumped more than $121,000 in just 12 months, and unit prices are up another $52,000. First-home buyers are abandoning the dream of buying where they actually want to live — instead turning to investment properties as their only entry point into the market.  ► Record A Message  https://www.speakpipe.com/realestateradio ► Subscribe here to never miss an episode: https://www.podbean.com/user-xyelbri7gupo ► INSTAGRAM: https://www.instagram.com/therealestatepodcast/?hl=en  ► Facebook: https://www.facebook.com/profile.php?id=100070592715418 ► Email:  myrealestatepodcast@gmail.com    The latest real estate news, trends and predictions for Brisbane, Adelaide, Canberra, Gold Coast, Sydney, Melbourne and Perth. We include home buying tips, commercial real estate, property market analysis and real estate investment strategies. Including real estate trends, finance and real estate agents and brokers. Plus real estate law and regulations, and real estate development insights. And real estate investing for first home buyers, real estate market reports and real estate negotiation skills. We include Hobart, Darwin, Hervey Bay, the Sunshine Coast, Newcastle, Central Coast, Wollongong, Geelong, Townsville, Cairns, Ballarat, Bendigo, Launceston, Mackay, Rockhampton, Coffs Harbour. #PropertyInvestment #RealEstateInvesting #FirstTimeInvestor #PropertyManagement #RentalYields #CapitalGrowth #RealEstateFinance #InvestorAdvice #PropertyPortfolio #RealEstateStrategies  #sydneyproperty #Melbourneproperty #brisbaneproperty #perthproperty  #adelaideproperty #canberraproperty #PerthRealEstate #hobartproperty  #RealEstate  #RealEstateNews #MortgageTips #PropertyMarket #FinanceAustralia #BrisbaneInvesting   #RealEstateDevelopment #adelaide #PerthRealEstate #FirstHomeBuyer #AustralianProperty #AustralianRealEstate #PropertyMarketUpdate #MortgageAustralia #FinanceTips #HousingAffordability #RealEstateTrends #AussieProperty  #MortgageRates #HomeLoans  #PropertyMarket #MortgageTips #InterestRates  #BrisbaneProperty #QLDRealEstate #PropertyInvestment #AustralianHousingMarket #AdelaideProperty #AdelaideRealEstate #InvestInAdelaide #SouthAustraliaProperty #AustralianRealEstate #HousingTrends#MelbourneHousing #MelbourneInvestment  #MelbourneMarket  #PropertyInvestment #RealEstateTips #WealthBuilding #InvestmentStrategy #HomeBuying #AustralianProperty #RealEstateAdvice #SmartInvesting #UnitPricesPerth   #SydneyProperty #SydneyRealEstate #SydneyAuctions #PropertyMarketUpdate #RealEstateNews #AustralianProperty #PropertyInvesting #AuctionResults #HousingMarket2025 #RealEstateAustralia #PropertyTrends #NSWProperty #HomeBuyersAustralia    

The Struggles and Realities of First-Time Home Buying in AmericaIn this episode, Vito discusses the challenges faced by America's first-time home buyers, now averaging 40 years old. He reflects on how economic hurdles, lack of affordable housing, and insufficient wage growth impact potential homeowners. The episode also delves into the housing market's supply-demand issues, the implications of the 2008 financial crisis, and the role of media in shaping perceptions. Additionally, Vito touches on the unethical practices of lead aggregation sites like Zillow and offers insight into the current real estate landscape in areas like Cupertino and San Jose. The video concludes with tips for prospective sellers in preparing their homes for the market.America's first-time homebuyer is now 40 Zillow hit with class action over alleged mortgage steeringCupertino Home of the WeekWillow Glen Home of the WeekLuxury Home of the WeekFREE HOME BUYER CHECKLIST HERE https://abitanogroup.com/HomebuyerchecklistPRE-Inspection CHECKLIST HERE https://abitanogroup.com/homeinspectionchecklist 00:00 Introduction: The Age of First-Time Home Buyers00:24 Challenges of Home Ownership for Younger Generations01:27 Economic Factors Affecting Home Buying01:46 The Supply Problem in the Housing Market02:04 The Reality of the Current Housing Market03:02 Zillow's Class Action Lawsuit and Mortgage Steering03:53 The Issue with Lead Aggregation Sites07:13 Cupertino House of the Week08:42 Luxury Home of the Week: Winding Way09:08 Current Market Trends and Conclusion

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.

HOMEBUYERS, What's The Strangest Thing You Discovered Left Behind By The Previous Owners?Become a supporter of this podcast: https://www.spreaker.com/podcast/darkest-mysteries-online-the-strange-and-unusual-podcast-2025--5684156/support.Darkest Mysteries Online

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

HOMEBUYERS, What's The Strangest Thing You Discovered Left Behind By The Previous Owners?Become a supporter of this podcast: https://www.spreaker.com/podcast/darkest-mysteries-online-the-strange-and-unusual-podcast-2025--5684156/support.Darkest Mysteries Online

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

Contact Marko Gelo, he's a Mortgage Broker!604-800-9593 cell/text Vancouver403-606-3751 cell/text CalgaryCall Marko via WhatsApphomefinancingsolutions.caCLICK HERE to be redirected to Mortgagenomics Canada Podcast YouTube ChannelCLICK HERE to be redirected to the blog version of this episode.CLICK HERE to download Marko's award-winning Mobile Mortgage App! Hosted on Acast. See acast.com/privacy for more information.

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-------

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 […]

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.

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 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.

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.

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   —--------------------

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.

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