Podcasts about homebuyers

Join hosts Heather Osmond of Osmond Designs, Jeff Caplan and their guest, Jacinda Montano, as they discuss the trends that are happening with interest rates and why you shouldn't close all your credit cards when you pay off that debt.  Jacinda Montano is the owner and Principle Lending Manager at Ultimate Home Lending. For more information about Heather Osmond and Osmond Designs, you can visit their website or their Facebook page.

Many first-time buyers delay reaching out because they think they aren't ready yet. In this episode, a recent homeowner shares how starting the conversation earlier could have saved him time and stress — and why preparation is the biggest advantage a buyer can have.John recently purchased a home in New Jersey, but his journey actually started a year earlier when he first reached out for help. At the time, he didn't respond because he thought he wasn't ready and didn't want to waste anyone's time.After returning to the podcast months later, he reached out again, connected with a trusted realtor, and began the process that led to his home purchase.His biggest advice for other renters: start the conversation early so you can be prepared when the time comes.“Just reach out, even if you don't think you're ready… even if your plan is a year from now, ten years from now. Start the conversation. You'll be glad how prepared you will be.” Highlights• Why many first-time buyers hesitate to contact real estate professionals• The fear of “wasting someone's time” when you're not ready to buy yet• How John originally reached out, then ignored the response• Why he returned a year later and restarted the process• The moment he realized the help offered was real and personal• How connecting with the right realtor helped the process move forward• Why starting early gives buyers a preparation advantageCheck out our updated 2026 First Time Homebuyer's Episode Guide - Over 100 of our BEST Episodes of Detailed Homebuying Knowledge, Interviews, and MORE! Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

The Dutch housing market is cooling, but first-time buyers still face fierce competition and affordability challenges. Discover why mortgage speed is the deciding factor in securing your dream home - and what you can do to gain the edge.For expert assistance, visit https://damovastgoed.nl/ DaMo Vastgoed City: Zoetermeer Address: Boerhaavelaan 40 Website: https://damovastgoed.nl/ Phone: +31 79 737 0117

Whether you're buying your first home, or your forever home, you want to make sure that you're home keeps its value.Here's a list of tips for you to ensure that your home keeps its value outside of the ebs and flows of the real estate market in Halifax and Nova Scotia!Jason Paul902-220-7357jason@infinityrealestategroup.ca@jasonpaulhalifaxrealtor@halifaxrealestatepodcast

Buying your first home can feel overwhelming, especially when saving a deposit feels like the hardest part. In this episode of The First Home Buyers Program Podcast, mortgage broker Maryanne Elliott from 360 Mortgage Solutions explains the Help to Buy Scheme in Australia and how it may help first home buyers enter the property market sooner.The Help to Buy Scheme is a shared equity program where the government contributes a percentage of the purchase price of your home. This can reduce the amount you need to borrow and lower the deposit required to buy your first property. But is it the right option for you? In this episode, we break down:• What the Help to Buy Scheme is• How the shared equity program works in Australia• How much deposit you may need• The pros and cons of the scheme• Who the program is designed to help• What first home buyers should consider before applying If you're planning to buy your first home in the next 6–12 months, understanding government schemes like this could make a big difference in your journey.The goal of this podcast is to help first home buyers feel confident, informed and prepared before entering the property market. Want to know what your options look like? Start with a quick 15-minute chat to understand your borrowing power and the government schemes you may qualify for.Book here:https://link.teamos.ai/widget/booking/7qm3GDqWiTMjczOzhMlH About the Host Maryanne Elliott is a mortgage broker and founder of 360 Mortgage Solutions.After working for one of Australia's major banks for over 13 years, she now specialises in helping first home buyers understand the home buying process and get into the property market with confidence. To check out the First Home Buyers Program Course head here - https://z9gpj4ioc4f1npbcb6x0.app.clientclub.net/courses/offers/6a9e25d2-5268-4d43-884d-4c233af23b5cKeywords:Help to Buy Scheme Australia, first home buyer Australia, government schemes for first home buyers, shared equity scheme Australia, buying your first home Australia, first home buyer mortgage tips, how to buy your first home, property market Australia, first home buyer assistance Australia.

Mortgage rates have dropped below 6% and inventory is shifting, so David Sidoni answers eight of the most common questions first-time buyers are asking about today's housing market. Mortgage rates have recently dropped to 5.99%, the lowest level seen since August 2022. Current housing data also shows 44% more sellers than buyers, creating potential leverage for buyers in many markets. In this episode, David Sidoni answers eight of the most common questions first-time homebuyers are asking about mortgage rates, affordability, and market timing. The goal is to help buyers understand today's market so they can make confident decisions instead of relying on outdated advice. “Affordability is at its best in a long, long time.” Highlights• What are the best mortgage rates available right now for first-time buyers?• Why does having more sellers than buyers matter for your home search?• How do shifting mortgage rates affect affordability in today's market?• Is now actually a better time to buy than many people realize?Check out our updated 2026 First Time Homebuyer's Episode Guide - Over 100 of our BEST Episodes of Detailed Homebuying Knowledge, Interviews, and MORE! Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

In this episode, we sit down with Seth Levy of Signature Premier Properties, a respected Long Island real estate leader known for building one of the top teams on the South Shore. As a Licensed Associate Real Estate Broker and Team Leader, Seth has created a structure that prioritizes performance, accountability, and consistent results. We discuss how he transitioned from solo agent to team builder and the systems he put in place to scale successfully. Seth shares what separates high-performing teams from the rest in today's competitive market. If you're looking for insight into leadership, growth, and winning strategies in Long Island real estate, this episode delivers.

A record portion of new bank lending to first-home buyers is going to those with small deposits. More than half of the $1.1 billion lent to first-home buyers in January went to borrowers with deposits of less than 20 percent, according to the latest Reserve Bank figures. NZ Herald Wellington business editor Jenee Tibshraeny explained further. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Join us as we talk with Taylor Rieder, Loan Officer with Compeer Financial, as she guides first-time home buyers through the essential steps of purchasing their first rural property. In this episode, Taylor breaks down the home-buying process, covering topics like financial readiness, debt-to-income ratios, credit health, and the pre-approval process. Hear more about Compeer's specialized first-time home buyer program offering zero down payment options up to $400,000 for qualified borrowers on rural properties. Additionally, learn about the upcoming free webinar on March 11th for even more in-depth guidance on your home-buying journey.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

A record portion of new bank lending to first-home buyers is going to those with small deposits. More than half of the $1.1 billion lent to first-home buyers in January went to borrowers with deposits of less than 20 percent, according to the latest Reserve Bank figures. NZ Herald Wellington business editor Jenee Tibshraeny explained further. LISTEN ABOVESee omnystudio.com/listener for privacy information.

The federal GST rebate being discussed could return up to $50,000 to eligible first-time home buyers purchasing qualifying new construction. In this episode, we break down what it actually covers, the real-world savings most buyers will see (often closer to ~$27,000 depending on price), who qualifies, and why it could still push prices higher in some markets. We also explain how to stack the GST rebate with the FHSA, Home Buyers' Plan, federal tax credits, and provincial programs—plus practical tips so you don't build your plan around the headline number.

Home sales dropped 8.4%, rates are near 6%, and first-time buyer participation just jumped back to 31%—here's what the January 2026 housing data actually means if you're trying to buy your first home.This episode breaks down the January 2026 housing market data and what it means for first-time homebuyers right now. You'll hear how national sales, regional splits, inventory shortages, and mortgage rates are shaping today's opportunities—and why the long-awaited “crash” still isn't showing up in the math. The episode closes with a direct challenge to renters who are waiting for perfect timing, introducing the rent replacement strategy as a smarter long-term wealth move. “The people who win in their life with their first home purchase aren't the ones who time the market. They're the ones who entered the market.” Highlights: Are prices really about to crash — or is that just wishful thinking?If fewer homes are selling, why aren't prices falling?Why are first-time buyers coming back into the market right now?What does a 6% rate actually mean for your buying power?Is waiting for the “perfect time” keeping you stuck in the rent cycle?Check out our updated 2026 First Time Homebuyer's Episode Guide - Over 100 of our BEST Episodes of Detailed Homebuying Knowledge, Interviews, and MORE! Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Jim Brown of The Sarah Leonard Team at Legacy Properties joins Wendy Snyder, in for David Hochberg, on Home Sweet Home Chicago to discuss whether now is the time to jump into the market and what buyers need to do to win in competitive situations. To learn more about what The Sarah Leonard Team can do for you, visit sarahleonardsells.com or call […]

Monday Headlines: Conflict escalates in the Middle East as Israel, Iran and the US engage in strikes Petrol prices and travel: how this latest Middle East conflict will impact Australia Parents of backpacker killed on K’gari call for inquest Penny Wong to move censure motion against Pauline Hanson The Matildas win their Asian Cup opener Further listening from the headlines: Jane Hume on migration, One Nation and laughing at Angus Taylor Deep Dive: Getting on the property ladder in Australia has never been easy, but new data from Domain shows just how steep the climb has become. The 2026 First Home Buyers Report reveals entry-level property prices have risen in every capital city (except for units in Canberra), deposit saving timelines are stretching longer and mortgage stress now hitting lower-end buyers nationwide. In this episode of The Briefing, Domain’s Dr Nicola Powell joins us to unpack why this crisis is structural, not cyclical, and what, if anything, can be done to fix it. Follow The Briefing: TikTok: @thebriefingpodInstagram: @thebriefingpodcast YouTube: @TheBriefingPodcastSee omnystudio.com/listener for privacy information.

Want to dive deeper into topics like this? Master your journey with Physician Empowerment's Masterclass Membership—your gateway to exclusive content, expert-led sessions, and actionable strategies to elevate your personal and financial well-being. Learn more and join us today! https://www.physempowerment.ca/masterclass—In this episode, Dr. Wing Lim welcomes tax lawyer and Masterclass Faculty Member Jason Pisesky to review the 2026 federal tax updates and what they mean for Canadian physicians and incorporated professionals. While there were no sweeping tax reforms, Jason details moderate middle tax bracket cuts, the return of electric vehicle tax credits, and targeted changes aimed at curbing aggressive tax planning strategies. For physicians focused on year-end planning and tax optimization, this episode provides a practical overview of what has changed and what remains steady in the Canadian tax landscape.Wing and Jason offer a comprehensive review of Canada's registered accounts, including the RRSP, TFSA, First Home Savings Account, Registered Education Savings Plan, and Registered Disability Savings Plan. Jason outlines contribution limits, and he and Wing discuss tax treatment on withdrawal, matching grants, and planning opportunities such as the Home Buyers' Plan and income splitting through spousal RRSPs.  For medical professionals dealing with fluctuating income and long-term wealth planning, this episode reinforces the importance of understanding tax-advantaged accounts and coordinating with accountants and financial advisors. Having a stable financial team means making proactive decisions early in the calendar year rather than at tax filing season.About Jason Pisesky:Jason is a tax lawyer with international accounting firm KPMG and a Physician Empowerment Masterclass Faculty Member. His practice background is extensive and includes personal and corporate tax planning as well as litigation and dispute resolution. Whether you are scaling up your practice or winding it down, proper coordination between a tax lawyer and your accountant can ensure you're doing it right.__Physician Empowerment: Attend an upcoming Empowerment RetreatJoin the Physician Empowerment Masterclass nowWebsite: PhysEmpowerment.ca Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Think you're not ready to buy a home yet? Kennedy started with $8,000 saved and no clear plan — and five months later, she closed on a $300,000 home. Here's how education, the right team, and a focused savings strategy made it happen.Kennedy didn't think she was ready to buy. She had $8,000 saved and just wanted information. Five months later, she closed on a $300,000 home in Louisville. In this episode, she shares how connecting with the right lender and “unicorn realtor” helped her create a clear plan, double her savings, and buy with confidence. This is a real example of what happens when education replaces hesitation and strategy replaces fear.“I didn't think at the beginning of the year when I said I was interested that I would be at this point of already in a home.”HighlightsWhy you don't need to feel “ready” before starting the homebuying conversationHow the right lender and realtor create a clear, customized planThe impact of doubling savings in five months with focused intentWhy location should match your lifestyle, not just a mapHow reducing a 50-minute commute changed the value of the purchaseWhat happens when education replaces uncertaintyCheck out our updated 2026 First Time Homebuyer's Episode Guide - Over 100 of our BEST Episodes of Detailed Homebuying Knowledge, Interviews, and MORE! Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Brian From sits down with Mark Boone, owner of All Citizens Lending, to talk about navigating today’s confusing housing market with clarity and confidence. Mark shares how his faith shapes his approach to mortgage lending, why education—not pressure—is key for buyers, and what first-time homeowners need to know before they start shopping. It’s a hopeful, practical conversation about building wealth, stewarding finances wisely, and keeping faith, family, fitness, and financeSee omnystudio.com/listener for privacy information.

Send a textSwapping first-time homebuyer journeys with San Antonio Realtors Matt Reyna and Zach Enriquez—what we believed going in, what surprised us, what almost derailed the process, and what we'd do differently today.Most people think buying your first home is a math decision. In real life it's emotional, messy, and full of bad advice from friends, family, and social media. In this episode we break down the real first-time buyer experience from three angles (Realtor + Realtor + Mortgage Lender), including what matters most: credit, income, mindset, equity, and how to stop letting other people's opinions talk you out of building wealth.In this episode you'll learn:- The biggest first-time homebuyer myths (and what's actually true)- How credit and planning impact your options (even with zero down programs)- Why “keeping up with the Joneses” keeps people renting- How equity can become a long-term wealth tool (not just a house)- What Realtors and lenders wish buyers understood before shoppingGuests:Matt Reyna — San Antonio RealtorZach Enriquez — San Antonio RealtorPowered by LoanBot — Smarter Mortgage Matching (App Store + Google Play)

Many homeowners pass on a buyer's agent's help in an effort to simplify the process--a potentially costly mistake. Tune in to learn what these real estate professionals do and how to find the best ones in your first attempt.Find out more at https://buyeragentsearch.com/find-a-buyers-agent/ Skyfor, Inc. dba National Buyers Agents Association City: Evergreen Address: 7652 Gartner Rd. Ste. 723 Website: https://buyeragentsearch.com

This week on tWiRE – This Week in Real Estate, we're breaking down one of the most confusing housing markets we've seen in years.

Tip Tuesday, 4-7 Min Real Estate TipsClosing costs are one of the most misunderstood parts of buying a home. In this Real Estate Tip Tuesday, Ryan walks through what closing costs actually include, what home buyers can realistically expect to pay, and why those numbers vary depending on the loan, property, and situation. ​​From lender fees to prepaid items and escrow costs, this episode helps home buyers understand where the money goes so there are no surprises at the closing table. If you're planning to buy, this is a must watch before you start the process.​​#HomeBuyingTips #ClosingCosts #ArizonaHomes​​Connect with Team EvoAZ: Text ConnectWithKatie to 480-508-9828 ​Connect with Ryan:Text ConnectWithRyan to 480-508-9828​​Want to browse Phoenix area homes? Text GetPhoenixDeals to 480-508-9828 to see our current "good deals" page.​​Disclaimer: The information provided in this video is for educational purposes only and not financial or legal advice. Always consult a licensed lender, real estate agent, or wealth manager for guidance specific to your situation.

Think you need to wait until you're “ready” to talk to a lender? Think again. In this episode, David sits down with expert lender Kelly Cort to explain why early conversations — even a year or two in advance — can save you time, money, and stress. If you're serious about buying a home, this is the episode that could change your entire timeline. Most first-time buyers delay talking to a lender because they think they're not ready — not enough savings, credit isn't perfect, or they're “just researching.” But that delay can cost you. In this episode, David and seasoned mortgage pro Kelly Cort bust that myth wide open. They explain how early lender conversations don't require a pre-approval or credit pull, and how they help you create a custom financial game plan for buying a home — not just a mortgage estimate. From understanding soft vs. hard credit pulls to when you can actually lock in an interest rate, this episode walks you through everything you didn't know you needed to know. You'll learn how to use cash strategically, why down payment assistance isn't just for low-income buyers, and why obsessing over interest rates can distract you from building real buying power. Whether you're buying in six months or two years, this is the knowledge first-time buyers rarely get — and absolutely need. “Just because you can qualify for a $400,000 home doesn't mean you should.” Highlights Why “getting pre-approved” shouldn't be your first step — and what to do insteadThe truth about credit pulls, pre-approvals, and when they actually matterWhat a discovery call is (and why it could change your whole plan)Why some people who “qualify” still feel house-poor — and how to avoid itDown payment assistance myths: who actually qualifies and how to find outUnderstanding rate locks, points, and whether it makes sense to “float” your rateReal talk about affordability: what you can buy vs. what you should buyReferenced Episodes424 - First Time Home Buyers: Chloe & Eduardo Close on a Home (INTERVIEW)340 – Down Payment Assistance, Discovery Calls & Lending Myths (INTERVIEW)339 - Don't Get Pre-Qualified—Get a Plan (INTERVIEW)247 - INTERVIEW: Tips from Expert (Unicorn) Realtor & Lending Team - VA First Time Home BuyerCheck out our updated 2026 First Time Homebuyer's Episode Guide - Over 100 of our BEST Episodes of Detailed Homebuying Knowledge, Interviews, and MORE! Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Is there a right and wrong way to perform a home inspection? In this episode, we dive deep into one of the most debated topics in the home inspection industry — whether there are absolute truths when it comes to inspection standards, reporting methods, and professional judgment. And there's nobody better than Joey McPeek of Peek Home Inspections to speak on the topic. Well known and well respected in the Boise real estate market, Joey's build a reputation for shooting straight... and also pushing back on conventional home inspection norms. We discuss: ✔ Are there objective "right" and "wrong" ways to inspect a home? ✔ How much interpretation is involved in a home inspection report? ✔ Standards of Practice vs. personal inspection style ✔ Risk management and liability considerations ✔ Should the home buyer be present during the inspection? ✔ Pros and cons of buyer attendance at inspections From buyer presence at inspections to gray areas in defect evaluation, this episode explores how inspectors balance professionalism, liability, ethics, and client education. Whether you're a new home inspector, a seasoned professional, considering entering the inspection industry, or a homebuyer wondering what to expect during an inspection... this conversation breaks down the realities behind "right vs wrong" in the field, challenges assumptions, and explores how to balance ethics, standards, communication, and client expectations. If you're serious about improving your inspection process, client communication, and professional standards, this conversation is for you.

Join co-hosts Sammy Gordon and Jimmy Ibrahim, along with APS Portfolio Strategist Luke Teeuwsen to tackle the challenges and opportunities facing first-time property buyers in 2026. The team digs deep into the realities of breaking into the property market, sharing practical numbers and strategies while busting myths around minimum budgets, government deposit schemes and the cultural pressures of keeping up with the Joneses. They highlight the power of rentvesting, the importance of realistic expectations and the mindset needed to build a substantial portfolio. The episode wraps up with a special code word for first-time buyer discounts and an encouraging reminder that anyone, no matter their age or starting point, can take the steps needed to begin building their property legacy. School of Property is the ultimate education destination to master property investment, with a curriculum meticulously designed and crafted with both beginners and experts in mind. Whether you are a complete novice, or you're ready to take things to the next level in your portfolio, this is the program for you! To find out more, head to www.schoolofproperty.com.au If you loved this episode please send it on to someone who would take some value, and please give us a 5 star review if you haven't yet and are loving the poddy! If you want your question answered on our podcast DM us on our socials or email us at apsteam@australianpropertyscout.com.au Send us your questions to: Instagram: @australianpropertyscout Want to book a call with us: Website: https://australianpropertyscout.com.au Any information, comments, opinions or content that we provide in this podcast is our general observations and information only and it is not to be taken as, or in any way, considered to be financial advice, accounting advice, superannuation advice or legal advice. We strongly recommend all and any listener and participant to obtain their own independent financial advice, accounting advice, superannuation advice and legal advice before acting in any way in relation to any investment at all including any investment in property such as what we might be discussing in this podcast. No warranty, guarantee or representation is to be taken and you cannot reproduce it in any way. Every persons financial or investment situation is different and you must consider your own circumstances before undertaking any investment and be sure to obtain independent advice. Australian Property Scout Pty Ltd | License Number: 10094798 | ABN: 64 638 266 369 Chapters (00:01:18) Welcome (00:05:13) The reality of getting started in 2026 (00:08:18) Delayed gratification + sacrifices (00:12:01) Is it harder than ever? Modern vs past challenges (00:13:34) Cost breakdown of getting into a property (00:18:22) Government schemes + market impact (00:26:19) Importance of education (00:27:49) Secret codeword reveal (00:29:24) What asset should first-time buyers purchase? (00:37:30) Blocking out noise and pressure (00:41:00) How Sam overcame obstacles and fear

Homebuyers are getting the biggest discounts on properties in over 12 years—and it's only getting started.  At this point, nobody can refute that a full-on buyer's market has arrived. Homes are selling below list price, buyers are waiting out the market, and sellers are getting increasingly desperate. All the while, mortgage rates are a full percentage point lower than a year ago, inventory is up, and mortgage payments are actually down.  This is it. The “shift” that investors and homebuyers have been waiting for. In this month's housing market update, we'll get into it all—how much of a discount you can get on your next property (and markets with the biggest deals), why nobody is buying right now and how that gives investors an advantage, whether mortgage rates will drop below the low six-percent range, and how likely a housing market crash is with inventory rising but demand staying stagnant.  In This Episode We Cover These housing markets are seeing 10% discounts off list price  Signs pointing to a “full-on” buyer's market, and whether it will last  Inventory is rising by double-digit percentages, but is it enough to cause a housing crash? Will mortgage rates keep falling throughout 2026? The real reason so many homebuyers aren't jumping back in as prices fall  And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/real-estate-1242 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

Check out our updated 2026 First Time Homebuyer's Episode Guide - Over 100 of our BEST Episodes of Detailed Homebuying Knowledge, Interviews, and MORE! Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Learn the essential “last-mile” steps that prevent closing-day surprises—and how to use your first home as the foundation for smarter next-move planning.This final installment of the 2026 first-time homebuyer checklist breaks down what really happens between offer acceptance and getting your keys—especially the details that tend to blindside buyers in the last week before closing. You'll learn why the closing date should be treated as a moving target, what to handle early (like utilities and mail), and how to protect yourself when wiring your funds. The episode also zooms out beyond closing day to explain how first-time buyers can build options for “house #2” without automatically selling the first one.“The actual closing date is fluid.” - David Sidoni Highlights Why is your closing date more of a “target” than a guarantee—and how should you plan around that?What do most buyers forget to set up before closing that can create immediate headaches (and fees) after they get the keys?How can you avoid wire fraud when sending the biggest wire of your life?What's the “first 48 hours” checklist after acceptance that keeps your deal moving forward?If homeowners insurance feels impossible right now, what's real—and what's overhyped pessimism?How do you start thinking beyond this purchase—so your first home becomes a step toward long-term flexibility, not a financial trap? Referenced Episodes Episode 400 – Introduction: How to Buy a Home Starter Series (START HERE)Episode 199 – Boomer's Homes Were CHEAPER – Plus Credit Pull Myths!Episode 392 – New Construction vs. Resale: Which Home Is Right for First-Time Buyers?Episode 438 – How Much Are Closing Costs? First Time Homebuyer FAQCheck out our updated 2026 First Time Homebuyer's Episode Guide - Over 100 of our BEST Episodes of Detailed Homebuying Knowledge, Interviews, and MORE! Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

In this episode, we sit down with Jose Padro of Signature Premier Properties, a dedicated Long Island real estate professional known for his positive mindset, strong negotiation skills, and commitment to delivering results.As the team leader of The Padro Team, Jose brings energy, professionalism, and integrity to every transaction. Whether working with buyers searching for the right home or sellers looking to maximize value, he approaches each deal with strategy, care, and a drive to create a smooth experience from start to finish.We dive into what sets him apart in the Long Island market, how he leads his team, and why attitude and execution matter just as much as market knowledge in today's real estate landscape.If you're buying, selling, or just want insight from someone actively in the trenches of the Long Island housing market, this episode delivers.

This week on the Builder Marketing Podcast, Jamie Adams of JK Premier Marketing joins Greg and Kevin to explore why pinpointing your ideal home buyer audience is the cornerstone of home builder success and how that clarity can fundamentally transform marketing strategy. https://www.buildermarketingpodcast.com/episodes/307-pinpointing-your-ideal-home-buyers-jamie-adams

Emily and Patrick share how they went from a cramped $2,400/month one-bedroom rental to owning a 1,400 sq ft Southern California townhome by trusting the numbers, timing the market, and staying organized through the entire process. After renting for years and assuming Southern California homeownership would be out of reach, Emily and Patrick learned their buying power by working through their numbers with a lender and adjusting their price bracket strategically. They toured roughly a dozen homes, hit a rare slower moment in the local 2025 market, and ended up being the only offer on a townhome that needed mostly cosmetic updates. Emily practiced the future mortgage payment in advance using a spreadsheet budget and shifted savings into safer accounts once they began seriously shopping. From inspection through closing, they describe the process as surprisingly smooth—largely because they stayed document-ready and followed each step quickly online. “It was surprisingly smooth. Everything was really easy because I just, I had all my documents ready and then everything's with the internet and everything being, you can submit all the forms and sign all the documents online. It made it so easy.” - Emily HighlightsHow do you decide it's worth paying more than your rent to own—especially in an expensive market like Southern California?What's the fastest way to get clarity on what you can actually afford before you fall in love with the wrong price range?How can touring “enough” homes help you recognize the right one—and avoid panic when the search starts to feel hopeless?What can first-time buyers do to make closing feel “surprisingly smooth,” even with big numbers and lots of paperwork?Check out our updated 2026 First Time Homebuyer's Episode Guide - Over 100 of our BEST Episodes of Detailed Homebuying Knowledge, Interviews, and MORE! Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

High interest rates and post-COVID inflation have pushed the average age of first-time homebuyers to 40, leaving millions of Americans locked out of the market. Indiana Republican Congressman Marlin Stutzman joins us to discuss bipartisan efforts to improve the housing market, including his Streamlining Rural Housing Act—which aims to lower costs by cutting through conflicting federal red tape.Later, Oklahoma Republican Senator James Lankford joins us to discuss whether Congress can finally rein in federal waste. This follows the release of his latest "Federal Fumbles" report, which highlights hundreds of billions of dollars lost to fraud and improper payments in programs like Medicare and SNAP. Learn more about your ad choices. Visit podcastchoices.com/adchoices

High interest rates and post-COVID inflation have pushed the average age of first-time homebuyers to 40, leaving millions of Americans locked out of the market. Indiana Republican Congressman Marlin Stutzman joins us to discuss bipartisan efforts to improve the housing market, including his Streamlining Rural Housing Act—which aims to lower costs by cutting through conflicting federal red tape.Later, Oklahoma Republican Senator James Lankford joins us to discuss whether Congress can finally rein in federal waste. This follows the release of his latest "Federal Fumbles" report, which highlights hundreds of billions of dollars lost to fraud and improper payments in programs like Medicare and SNAP. Learn more about your ad choices. Visit podcastchoices.com/adchoices

High interest rates and post-COVID inflation have pushed the average age of first-time homebuyers to 40, leaving millions of Americans locked out of the market. Indiana Republican Congressman Marlin Stutzman joins us to discuss bipartisan efforts to improve the housing market, including his Streamlining Rural Housing Act—which aims to lower costs by cutting through conflicting federal red tape.Later, Oklahoma Republican Senator James Lankford joins us to discuss whether Congress can finally rein in federal waste. This follows the release of his latest "Federal Fumbles" report, which highlights hundreds of billions of dollars lost to fraud and improper payments in programs like Medicare and SNAP. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Learn how to negotiate smarter by using flexibility, contract timelines, and inspection strategy—without giving up the protections first-time buyers need.This episode breaks down what actually drives real estate negotiations (and why preparation months ahead protects your leverage). You'll learn how earnest money, contingency timelines, seller disclosures, and home inspections shape both your risk and your negotiating power. It also covers why asking for credits can be cleaner than repair requests—and closes with a practical credit score “nugget” to help you avoid last-minute financing surprises.“It all comes down to two simple concepts. Real estate is all about time and money.”HighlightsHow does flexibility on timing help you negotiate a better price without feeling “desperate”?What do earnest money and contingency deadlines really protect—and what happens if you miss them?Which seller disclosure details should make you slow down, ask questions, or renegotiate?Why is waiving a home inspection usually a risky move for first-time buyers—even in a competitive market?When should you ask for a seller credit instead of repairs to avoid last-minute closing chaos?What's the fastest way to improve your mortgage-ready credit score if you waited too long to start?Referenced EpisodesEpisode 175 – How to win in BIDDING WARS in the 2023 marketEpisode 176 – How to win in BIDDING WARS in 2023 – Part 2Episode 177 – How to win in BIDDING WARS in 2023 – Part 3Episode 332 – Home Inspections: What's Normal vs Red Flag? (110 Replay)Episode 340 – Down Payment Assistance, Discovery Calls & Lending Myths (INTERVIEW)Episode 400 – Introduction: How to Buy a Home Starter Series (START HERE)Episode 403 – How to Buy a Home - Step 3: Improving Your Credit Score (16 Pro Tips)Episode 412 – Breaking Your Lease (Is It Necessary?)Episode 415 – Financially Prepare to Buy Your First Home 2.0 - Pt. 1Episode 416 – The Best Budgeting Apps - Financially Prepare to Buy Your First Home - 2.0 Pt. 2 - (Replay of Ep. 371)Episode 417 – 8 Critical Tips – Financially Prepare to Buy Your First Home 2.0 - Pt. 3Episode 419 – Cut Big Costs - Financially Prepare to Buy Your First Home 2.0 - Pt. 4Episode 420 – Managing Student Debt - Financially Prepare to Buy Your First Home - Pt. 5Episode 423 – Using Your 401(k) - Financially Prepare to Buy Your First Home - Pt. 6Episode 426 – Lowering Your Down Payment – Financially Prepare to Buy Your First Home – Pt. 7Episode 437 – What Is a Unicorn Realtor? First Time Homebuyer FAQ:Episode 440 – First Time Homebuyer Playbook (Part 1): Rent Replacement StrategyEpisode 441 – First Time Homebuyer Playbook (Part 2): The Last Lease EverEpisode 443 – First Time Homebuyer FAQ: What Can I Actually Afford in 2026?Check out our updated 2026 First Time Homebuyer's Episode Guide - Over 100 of our BEST Episodes of Detailed Homebuying Knowledge, Interviews, and MORE! Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, info

Part 2 of the 2026 essential checklist shows first time homebuyers how to research neighborhoods, tour homes strategically, and protect themselves while shopping in today's weird housing market. This episode jumps from planning into the “fun stuff”: a practical checklist for researching neighborhoods and shopping for homes like a pro instead of a scrolling-Zillow zombie. You'll learn how to use tools like Google Maps, Street View, WalkScore, crime maps, school ratings, zoning plans, and even old-school paper maps to understand a community before you ever step inside a house. David then walks through smart touring strategy—bundling showings, ranking your top three, watching for surveillance cameras, checking commute times and internet service, and touring midweek to beat the weekend crowds. Finally, he explains how to avoid traps with open houses and new construction, why list prices are “garbage,” how to spot opportunity in “back on market” and badly photographed listings, and why your realtor's most valuable job is negotiating and protecting you once you've found a home.“I'm going to give you the checklist for home shopping.” - David Sidoni Highlights How can you use online tools and maps to spot the right neighborhoods before you ever book a showing? What should you look for when driving neighborhoods at different times of day to really understand daily life there? How do you protect yourself at open houses and new construction sites so you don't accidentally give up your right to representation or overpay? Why are list prices “garbage,” and how can back-on-market homes, ugly photos, and current market conditions actually work to your advantage? Referenced Episodes444 – February 2026 is a Buyers Market - What First Time Homebuyers Need to Know367 – Why Financial Advisors Can't Help You Buy a Home - INTERVIEW368 – The Truth About Renting: What You're Really Paying For - INTERVIEW370 – The Truth About Tax Breaks for First-Time Buyers - INTERVIEW408 – How to Buy a Home - Step 8: Using the Internet to Buy a Home392 – New Construction vs. Resale: Which Home Is Right for First-Time Buyers?440 – First Time Homebuyer Playbook (Part 1): Rent Replacement Strategy441 – First Time Homebuyer Playbook (Part 2): The Last Lease EverCheck out our updated 2026 First Time Homebuyer's Episode Guide - Over 100 of our BEST Episodes of Detailed Homebuying Knowledge, Interviews, and MORE! Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Evelyn Rivera is the exclusive rental agent for all Handsome Homebuyer's rental properties as well as all properties within Handsome Asset Solutions. Sell your house, land or commercial property on: https://handsomehomebuyer.com/ Follow us on:TikTok:   / handsome_homebuyer  Twitter:   / handsome_hb  Instagram:   / handsome_homebuyer  Pinterest:   / handsome_homebuyer  Linkedin: www.linkedin.com/in/charles-weinraub-94376116bListen our podcasts:https://open.spotify.com/show/2iIg3W4...https://podcasts.apple.com/us/podcast...https://www.iheart.com/podcast/256-th...https://anchor.fm/charles-weinraub

A first-time buyer shares how early planning, relocating for affordability, and buying with a family member helped three roommates become homeowners in California. Eric, his partner, and their cousin Alex were priced out of San Jose and chose to explore Bakersfield after realizing it fit their budget and lifestyle goals. They spent time learning the city firsthand (including a smart Uber/Lyft approach that doubled as income and neighborhood research) while working through job changes and loan qualification. Eric explains how pre-planning with a mortgage pro reduced last-minute stress, and how they protected themselves by backing out of an escrow when a solar loan complication became too costly. The story ends with their team finding a better home quickly—one that met their must-haves—and a reminder that the process can be a stop-and-go emotional rollercoaster. “My biggest tip was pro. It's like starts as early as possible. Even if you don't think you're quite ready yet.” - Eric HighlightsHow early should a first-time homebuyer talk to a mortgage broker and realtor to avoid last-minute stress? What's the smartest way to “learn a new city” before buying—while also earning extra income? How can two people qualify for a mortgage even when a third household member isn't ready to be on the loan yet? When should a buyer walk away from a deal in escrow—and how do you do it without losing your deposit? Check out our updated 2026 First Time Homebuyer's Episode Guide - Over 100 of our BEST Episodes of Detailed Homebuying Knowledge, Interviews, and MORE! Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

A first-time buyer shares how early planning, relocating for affordability, and buying with a family member helped three roommates become homeowners in California. Eric, his partner, and their cousin Alex were priced out of San Jose and chose to explore Bakersfield after realizing it fit their budget and lifestyle goals. They spent time learning the city firsthand (including a smart Uber/Lyft approach that doubled as income and neighborhood research) while working through job changes and loan qualification. Eric explains how pre-planning with a mortgage pro reduced last-minute stress, and how they protected themselves by backing out of an escrow when a solar loan complication became too costly. The story ends with their team finding a better home quickly—one that met their must-haves—and a reminder that the process can be a stop-and-go emotional rollercoaster. “My biggest tip was pro. It's like starts as early as possible. Even if you don't think you're quite ready yet.” - Eric HighlightsHow early should a first-time homebuyer talk to a mortgage broker and realtor to avoid last-minute stress? What's the smartest way to “learn a new city” before buying—while also earning extra income? How can two people qualify for a mortgage even when a third household member isn't ready to be on the loan yet? When should a buyer walk away from a deal in escrow—and how do you do it without losing your deposit? Check out our updated 2026 First Time Homebuyer's Episode Guide - Over 100 of our BEST Episodes of Detailed Homebuying Knowledge, Interviews, and MORE! Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

The housing market is showing signs buyers haven't seen in years — and the data is hard to ignore. In this episode of The RE Source, we break down why a growing share of homes are selling below asking price, where the largest discounts are appearing, and how increased inventory is shifting leverage back toward buyers. We also explore why this doesn't signal a crash, but rather a window of opportunity for those who are prepared. If you work with buyers or are watching the market closely, this episode provides timely context on where advantage is emerging and what it could mean heading deeper into 2026. ⭐ JOIN OUR COMMUNITY ⭐ Get the hottest and most up-to-date info in the Real Estate and lending industry! click the link to subscribe today ➡️ https://theREsource.tv/?utm_source=ytd 

This interview breaks down how self-employed first-time homebuyers can use intentional tax strategy to improve mortgage qualification and avoid higher-cost loan options. In this interview, CPA and licensed loan professional Dan Mullen explains why many self-employed first-time homebuyers are incorrectly told they cannot qualify for a mortgage. He breaks down the critical difference between taxable income and mortgage-qualifying income, showing how common write-offs can unintentionally reduce buying power if planned poorly. The discussion walks through legal tax strategies—such as depreciation, mileage, and asset treatment—that can preserve lender-approved income while remaining compliant with tax law. The episode also explains why bank statement loans are more expensive and why early coordination between a CPA and lender can dramatically change a buyer's outcome. “Buying a home is the financial foundation of virtually every American out there.”– Dan Mullen, CPA Highlights How can self-employed buyers legally qualify for a conventional mortgage without paying more in taxes?Why does writing off everything on your tax return often hurt mortgage approval?When does a bank statement loan make sense—and why is it usually the most expensive option?How early should freelancers and business owners involve a CPA if they want to buy a home?Check out our updated 2026 First Time Homebuyer's Episode Guide - Over 100 of our BEST Episodes of Detailed Homebuying Knowledge, Interviews, and MORE! Referenced Episodes:444 - February 2026 is a Buyers Market - What First Time Homebuyers Need to Know367 - Why Financial Advisors Can't Help You Buy a Home - INTERVIEW368 - The Truth About Renting: What You're Really Paying For - INTERVIEW370 - The Truth About Tax Breaks for First-Time Buyers - INTERVIEW408 - How to Buy a Home - Step 8: Using the Internet to Buy a Home392 – New Construction vs. Resale: Which Home Is Right for First-Time Buyers?437 - What Is a Unicorn Realtor? First Time Homebuyer FAQ:340 – Down Payment Assistance, Discovery Calls & Lending Myths (INTERVIEW)426 - Lowering Your Down Payment – Financially Prepare to Buy Your First Home – Pt. 7332 – Home Inspections: What's Normal vs Red Flag? (110 Replay)400 - Introduction: How to Buy a Home Starter Series (START HERE)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!

Part 1 of the 2026 essential checklist walks first-time homebuyers through the smartest way to start—by building a financing plan, avoiding common internet myths, and getting a real pre-approval early. This episode kicks off a multi-part “essential checklist” with a focus on financing and loan strategy, including a rapid-fire myth bust around “deal” listings like short sales and tax lien properties. It explains why the 20% down payment belief is outdated for most first-time buyers, and outlines today's common low-down-payment paths (including FHA, conventional, VA, and USDA where eligible). It also breaks down why “pre-qualification” is mostly marketing noise, why APR matters alongside the interest rate, and why buyers should prioritize finding the right people (a specialist realtor + lender team) over chasing a single number. Finally, it flags that down payment assistance programs and grants change frequently, so buyers should always ask about current options and stacking possibilities. "I'm going to go rapid fire with coaching and tips on the best ways to work your financing, as well as your loan when you're trying to buy your first home.”HighlightsWhat “too good to be true” home deals (short sales, tax liens, foreclosures) are not realistic for most first-time buyers in 2026—and why? How can first-time buyers stop chasing the “best rate” and start comparing loans using APR and total cost instead? Why is “get pre-qualified first” often the wrong first step—and what does a real pre-approval actually do for your plan? What's the smartest order for building your team so your realtor and lender work together (and you don't lose money or lose the house)? Referenced EpisodesEpisode 400 — Starting point / 10-step system Episode 425 — Buyer story referenced in the new listener question segment Episode 426 — Low down payment options + more on down payment assistance Episode 437 — More on the “unicorn team” concept Episode 440 — More on the “20% down” myth For more, check out our updated 2026 First Time Homebuyer's Episode Guide - Over 100 of our BEST Episodes of Detailed Homebuying Knowledge, Interviews, and MORE! Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Frank Rohde is the Founder and CEO of Ownify, a fractional homeownership platform pairing institutional and impact investors with qualified first-time buyers to make homeownership more accessible. With a 20+ year career at the intersection of finance, credit analytics, and technology, Frank previously led Nomis Solutions, scaling it into a global mortgage pricing engine used by top banks. Earlier roles include leadership at FICO, founding the early online insurer eCoverage, and launching AI models before it was trendy. Born in Germany, Frank is a former national whitewater kayaking champion, marathon runner on all seven continents, and lifelong reader—now channeling that energy into building a path between renting and owning, one Brick by Brick™.(01:51) - Why Homeownership Is Broken(04:10) - Ownify model(06:03) - How Fractional Ownership Works(13:08) - Ownify Benefits for First-time Homebuyers(16:11) - Homeowner & Investor Alignment(23:21) - Feature: CREtech New York Oct. 20–21(24:09) - Event Opportunities(25:38) - All-Cash Offers Explained(32:40) - Underwriting & Risk Management(35:47) - Investor Returns(38:48) - Market Expansion(41:37) - Policy & Regulatory Headwinds(44:04) - Collaboration Superpower: Elon Musk

Buyers have been in a constant battle for homes...  But now they may be the ones with the leverage. According to Redfin, in December, there were 47% more home sellers than buyers, which is roughly 631,000 extra, the largest gap in records going back to 2013. Is that the case in Utah? Russel Faucette, Owner of The Stern Team of Omada Real Estate joins the show.

Get the exact “move fast without panicking” checklist Gideon and Caroline used to get under contract in under a week—numbers first, must-haves clear, team aligned. Gideon and Caroline share how they got under contract in under a week by doing the prep that prevents regret: running numbers early, narrowing to a true non-negotiable, and leaning on a coordinated lender/realtor team. They also break down how they handled common first-time buyer sticking points—PMI, one borrower vs two, inspection tradeoffs, and avoiding closing-cost surprises. “I didn't realize how smooth the process could be… they were all talking to each other in the background, and it was almost completely hands off for us.” — CarolineHighlights When should you “run the numbers” so you can move fast without overbuying?What's the fastest way to identify your true non-negotiables (so you stop second-guessing)?How can one must-have narrow your search and speed up the whole timeline?Should you apply with one income or two—and why might it change your interest rate?If PMI is scaring you off, what does it look like when you price it out with real math?What does an “integrated” lender/agent/title relationship actually do to reduce stress and delays?What inspection limits might you run into—and how do you decide what risk is acceptable?How do you avoid surprise costs at closing (especially when everything moves quickly)? Check out our updated 2026 First Time Homebuyer's Episode Guide - Over 100 of our BEST Episodes of Detailed Homebuying Knowledge, Interviews, and MORE! Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

This episode explains why a rare January buyer's market is creating real affordability opportunities for first-time homebuyers right now, without waiting on government “fixes.” SynopsisWith sellers outnumbering buyers by 47%—including 631,000 more sellers than buyers in January 2026—the episode breaks down why leverage has quietly shifted back to homebuyers. It outlines practical ways buyers are getting affordability through negotiations, seller credits, and builder incentives—plus rate buy-downs and closing cost help. It also explains why headline-driven policy talk doesn't solve the real issue (inventory) and why affordability wins often come from local and market-based opportunities instead. Finally, it spotlights emerging state and local ideas that could reduce monthly payments—like property tax caps/exemptions and stacked grants—while encouraging first-time buyers to get proactive before spring competition returns. “Right now, there's 631,000 more home sellers than there are home buyers in January 2026.” Highlights How does a first-time homebuyer actually use a “47% more sellers than buyers” market to negotiate better terms and prices?What affordability tools are working right now—seller credits, rate buy-downs, and builder incentives—and how do buyers stack them?Which markets are being labeled more buyer-friendly, and what signals should first-time buyers look for in their own area? What local policy changes (like property tax relief and expanded grant programs) could reduce your monthly payment without needing rates or prices to crash? Check out our updated 2026 First Time Homebuyer's Episode Guide - Over 100 of our BEST Episodes of Detailed Homebuying Knowledge, Interviews, and MORE! Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

This episode breaks down the biggest myth in home buying: how affordability is really calculated.Most first-time buyers ask, “What can I afford?”—but that question leads to the wrong answers. David explains how bad math, bad advice, and outdated thinking have made homeownership feel further away than it actually is. Learn how debt-to-income ratios, down payments, and private mortgage insurance actually work in 2026. Real buyer examples prove you may be much closer to owning than you think.“Buying a home isn't just a financial decision. It's a plan that interacts with every other aspect of your life.” What happens when you ask, “What can I afford?” too early in the process?Can saving $45,000 more really lower your monthly payment in a meaningful way?What's the truth about PMI—and is it actually a smart tool for first-time buyers?How did some buyers get in for as little as $3,700… or even less?Is the January 2026 market creating unexpected opportunities for renters? 300 – 300th EPISODE! What Can You Afford? Homebuyer Consultation Breakdown426 – Lowering Your Down Payment – Financially Prepare to Buy Your First Home – Pt. 7198 – PMI Is a Privilege216 – PMI Is Still A Privilege And Still Not The Devil355 – Real Answers Pt 4: Should I Rent or Buy in 2025?440 – First Time Homebuyer Playbook (Part 1): Rent Replacement Strategy441 – First Time Homebuyer Playbook (Part 2): The Last Lease Ever94 – First Time Home Buyer Terms And Definitions From A-Z...Well, Just A Actually169 – Woman Power: This Single Woman Bought Her First Home215 – That ADU Guy Interview - The Ultimate House Hacks To Make Buying Affordable321 – Buying in a High-Cost Area – Long Island, NY (INTERVIEW)399 – The Real Value of Buying: What Nick Gained Beyond a Mortgage430 – First Time Homebuyer: Escaping $3K/Month Crushing Rent With Just $12K Down (INTERVIEW)439 – First Time Homebuyer: Why Abigail Broke Her Lease and Bought in 90 Days424 – First Time Home Buyers: Chloe & Eduardo Close on a Home (INTERVIEW)Check out our updated 2026 First Time Homebuyer's Episode Guide - Over 100 of our BEST Episodes of Detailed Homebuying Knowledge, Interviews, and MORE! Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

What if everything you thought you knew about homebuyers and sellers was wrong? Every year we dive into the gold mine of information inside the NAR Profile of Home Buyers and Sellers and the Member Profile for Realtors, and y'all… the 2025 data might be the most shocking yet. In this 4th annual deep dive, we're bringing you the stats that matter—and breaking down what they actually mean for your real estate business in 2026. From skyrocketing median ages to shifts in how (and if) clients are finding their agents, this episode is your go-to resource for understanding the real people buying and selling homes right now. Spoiler: they probably don't look like the people you've been marketing to. We also chat about why real estate websites are shockingly useless, who's staying in homes longer than ever, and how to stop worrying about FSBOs entirely. Plus, Katy reveals why this data can sharpen your confidence as a Realtor and even improve your listing presentations, and Alissa shares a vulnerable moment when she almost let imposter syndrome cost her a listing. Grab your coffee (or your calculator) and let's talk buyers, sellers, and the wild stats behind them. Here's what we cover in this episode: The median age of buyers and sellers (and why it matters) The shift in first-time buyer demographics How long people are staying in their homes now What agents think is causing market stagnation The #1 way buyers and sellers choose their Realtor For Sale By Owner: how many really do it, and what they lose What types of agents are thriving—and who's leaving the industry The truth about paid leads, teams, and real estate income What the data says about your social media efforts (brace yourself) Key Quotes & Takeaways "The NAR report isn't just stats. It's a confidence builder, a client education tool, and a strategy guide." – Katy "We think everyone is like us, but they're not. That's why this data is good—it bursts the bubble." – Alissa "If you're talking to the wrong people, your marketing will never work. These numbers tell us who's actually buying and selling." – Katy "Only 6% of Realtors have real estate as their first career. That means most of us are figuring this out as a second act." – Alissa "Almost 30% of agents net less than $10,000 a year. We have to stop telling new agents that success is instant." – Katy Products, People & Previous Episodes Mentioned: Email Templates 101 Agent Systems 101 FREE Database Template Want to toast someone on the show? Send us a voice or video message with your name, who you're toasting, and why! Email it to team@hustlehumblypodcast.com.   Music:   "Straight A's" by Connor Price → https://connorprice.shop/   "The Good Life" by Summer Kennedy → https://soundcloud.com/summerkennedy/the-good-life   "Be The One" by Matrika → https://uppbeat.io/t/matrika/be-the-one  

John and Chrissy share how they turned early inheritance and smart planning into a successful first home purchase in pricey California.After renting for over 18 years, John and Chrissy navigated skyrocketing rents, family support, and strategic planning to buy a $700,000 home in San Luis Obispo. With only $5,000 in savings, an unexpected offer of early inheritance shifted their mindset from surviving rent hikes to buying a home. They used the How to Buy a Home system and their Unicorn team to align monthly affordability with realistic home options. From dealing with open house stress to choosing a planned urban development (PUD) for detached living without breaking the bank, their journey reflects persistence, planning, and prioritizing what matters most.“You have no idea what you're capable of until you put it in front of you and crunch the numbers.” — ChrissyHighlights: How do you go from $5,000 in savings to owning a $700,000 home with confidence?What options exist for buyers who want a detached home but can't afford traditional single-family prices?How can early inheritance or family gifts be used responsibly without guilt or confusion?What happens when you stop asking, “Can I afford this?” and start asking, “How do I make this work?”Check out our EPISODE GUIDE for more information and interviews!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!

Most first-time homebuyers don't need a miracle — they just need a system. In Part 2 of this playbook series, David Sidoni gives you the exact monthly roadmap to go from renting to owning in one year or less.The housing industry ignores renters during the most important phase — the planning stage. But that's exactly where first-time buyers need the most support.In this episode, David Sidoni delivers the second half of the “Last Lease Ever” Playbook, a proven system designed to help renters become homeowners with just one focused action step per month. You'll learn how to stop guessing, start tracking, and build your own custom plan based on the “Big Three”: credit, debt, and savings.Forget waiting until you're “ready.” This episode shows you how to take control now — even if you're still a year or two away from buying. You'll also learn why finding your unicorn realtor and lender before you're ready makes all the difference.“Most renters can buy in 12 months or less — if they stop waiting for someone to hand them a plan.”HIGHLIGHTSWhat most renters get wrong about “readiness”Why one action step a month is more powerful than you thinkHow the system works even if you're 6–24 months away from buyingThe problem with waiting to talk to a realtor or lenderWhat makes a real estate “unicorn” — and how to find yoursWhy the industry ignores planning-phase buyers (and what to do about it)How to build a customized, trackable roadmap — no gimmicks, just real stepsREFERENCED EPISODES403 – Credit404 – Debt405 – Savingtask437 – What is a Unicorn Realtor?381 – Saving While in Debt: How Much Do First-Time Buyers Really Need in 2025?355 – Real Answers Pt 4: Should I Rent or Buy in 2025?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!