Podcasts about homebuyers

Proposition 37 on the 2026 California ballot authorizes the state to borrow money to create a middle-income homebuyers program. Additional Resources: Read the transcript for this episode Catch up on all of Prop Fest 2026 Sign up for our newsletter Got a question you want answered? Ask! Your support makes KQED podcasts possible. You can show your love by going to https://kqed.org/donate/podcasts This story was reported by Adhiti Bandlamudi. Prop Fest is a collaboration between Bay Curious and The Bay. It's made by Olivia Allen-Price, Katrina Schwartz, Christopher Beale, Anna Casalme, Ericka Cruz Guevarra, Alan Montecillo, Gabriela Glueck and Pauline Bartolone. Additional support from Jen Chien, Katie Sprenger, Maha Sanad, Ethan Toven-Lindsey and everyone on Team KQED. Learn more about your ad choices. Visit megaphone.fm/adchoices

On Mortgage News Daily, the average rate for a 30-year fixed is now up to 7.6%. And as the cost of a mortgage has gone up, the demand for home loans has dipped to a two-year low, according to the Mortgage Bankers Association. Then, some lenders surveyed by the Federal Reserve reported that they've been noticing a pickup in delinquencies, as higher costs burden both families and businesses.Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace Morning Report is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.

On Mortgage News Daily, the average rate for a 30-year fixed is now up to 7.6%. And as the cost of a mortgage has gone up, the demand for home loans has dipped to a two-year low, according to the Mortgage Bankers Association. Then, some lenders surveyed by the Federal Reserve reported that they've been noticing a pickup in delinquencies, as higher costs burden both families and businesses.Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace Morning Report is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.Stories from this episode:Higher interest rates have cratered demand for mortgagesAs inflation stretches paychecks, some lenders report "late payment creep"

For a new homebuilder, your model is your calling card. It is how you portray your product to the world—at least the world that matters to you: the folks visiting your community, your sales center, your clubhouse. The same goes for apartment developers. How you present has an impact. Impressions, both first and last, matter. Angela Harris is the founder and CEO of TRIO, a residential design firm with a national reach that helps builders and apartment developers make the most of their models and merchandising. A designer first and foremost, Angela is also a psychologist, delving into buyers' minds to understand how they will respond to the purposeful choices inherent in her work. She understands what design and merchandising can and cannot do, and that an authentic voice is the one most likely to be heard. I sat down with Angela for this episode of the New Home Insights podcast, where she walks us through models, merchandising, and how to get the most out of each.

Discover the hidden ways the real estate industry can take advantage of buyers just starting their process and learn how to avoid the money hungry traps of big online sites just looking to mine your information. SynopsisFeeling lost and overwhelmed by conflicting online advice on where to begin your homebuying journey? This episode dismantles the widespread, profit-driven myth that your first step is to get a loan pre-approval. Learn why a professional evaluation from a trusted "Unicorn" real estate team is actually your empowering first move, designed to clarify your true readiness and accelerate your path to homeownership while bypassing predatory tactics. Quote"Homies, you're smart. You know what happens when you sign up – a Spamalanche on your phone. These are not educational resources. You are being hunted."— David Sidoni, Nationwide First Time Homebuying Coach HighlightsWhy is "getting pre-approved first" actually a dangerous industry lie, not your helpful initial step?What's the real first question to ask yourself: "Where do I start?" or "Where do I truly stand?"How does a "Spamalanche" of sales calls hijack your homebuying journey after clicking "free" online resources?Why are 72% of buyers closer to homeownership than they believe, potentially shaving years off their timeline?What is a "Unicorn Real Estate Support Team" and why is finding one your actual, empowering first step?How did "Big Real Estate" shift from full-service guidance to a profit-driven "grind-you-up machine"?What strategies can you use to reject misleading advice and build generational wealth sooner? Referenced EpisodesHowtoBuyaHome.com/10steps - The #1 Educational System for First-Time Homebuyers in the USAHowtoBuyaHome.com/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 to 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!

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A major real estate decision deserves more than emotion, excitement, or FOMO. It needs preparation.Former commercial airline pilot and real estate investor Ryan Gibson joins Corwyn J. Melette to explore how the discipline pilots use before takeoff can help homeowners, investors, and families make smarter real estate and financial decisions.Ryan explains why having a checklist, understanding your numbers, recognizing warning signs, and knowing when to walk away can help protect your financial future. The conversation also explores how systems can create better investment decisions and why there is rarely a true “once-in-a-lifetime” real estate opportunity.Key Takeaways:04:27 — Take responsibility for your financial future05:58 — Understanding the “V1” point and knowing when you can still stop11:00 — Why every investor needs a checklist12:49 — How complacency can lead to costly mistakes15:58 — Recognizing “get-there-itis” and FOMO18:36 — Knowing when to say no and walk away20:37 — Why better deal flow can help you make better decisions21:38 — Creating systems for analyzing real estate opportunities23:33 — Ryan's investment committee and due-diligence processLegacy Building Takeaway:Ryan's message is simple: don't let emotion make a financial decision for you. Build a process, understand the risks, and know when to walk away.Connect With Ryan Gibson:Website: spartan-investors.comEmail Address: ryan@spartan-investors.comConnect with Corwyn:Contact Number: 843-619-3005Instagram:⁠ https://www.instagram.com/exitstrategiesradioshow/⁠FB Page:⁠ https://www.facebook.com/exitstrategiessc/⁠Youtube:⁠ https://www.youtube.com/channel/UCxoSuynJd5c4qQ_eDXLJaZA⁠Website:⁠ https://www.exitstrategiesradioshow.com⁠Website: https://www.exitlowcountry.com/Linkedin:⁠ https://www.linkedin.com/in/cmelette/⁠Shoutout to our Sponsor: Mellifund Capital, LLCNeed funding for your next real estate flip or build? MelliFund Capital makes it fast, flexible, and investor-friendly. Visit MelliFundCapital.com and fund your future today. Again, that's MelliFundCapital.com, M-E-L-L-I-L-U-N-D, Capital.com.

Jason Hartman and guest Michael Zuber critique the proposed Home Ownership Promise Act, a government initiative designed to provide first-time homebuyers with up to $50,000 in grants via a five-to-one savings match. They argue that while the program is framed as a solution for housing affordability, it actually risks inflating home prices by stimulating demand without addressing the underlying lack of housing supply. Hartman contends that such subsidies primarily benefit existing asset owners and wealthy investors who can exploit loopholes, ultimately leaving the intended beneficiaries in a worse financial position. Beyond policy analysis, the conversation shifts into a broader debate regarding political ideologies, the history of fiat currency, and the track records of various U.S. presidents. They  conclude by highlighting the systemic issues within real estate syndications and the ongoing challenges of the current frozen housing market. Key Takeaways: 01:05  Introducing the Home Ownership Promise Act 02:30  Mechanics of the $50,000 Down Payment Match 04:15  Loopholes, House Hacking & Enforcement Issues 05:40 Demand Stimulus vs. Housing Supply 07:35 The Cantillon Effect & Asset Owner Benefits 09:40 Fiat Currency Inflation & Political Incentives 12:20 Political History & Solving the Supply Riddle 15:10 Case Study: Cash for Clunkers 17:15  Pivoting to Distressed Commercial Multi-Family 19:00  Real Estate Syndication Crises & Capital Calls Addressing widespread syndication failures, massive investor losses, and repeated capital calls from prominent syndicators. 21:30  Political Debates & Historical Presidencies 25:00 Listener Challenge & Wrap-Up  _______________________________________________________________   Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com

Mortgage rates continue to rise and that is shutting the door to some home buyers. Find out more with Vineeta and Elizabeth Schulze from ABC News.

Mortgage rates continue to rise and that is shutting the door to some home buyers. Find out more with Vineeta and Elizabeth Schulze from ABC News.

How much do people need to earn to afford to pay rent in Pennsylvania and nationwide?7 things Homebuyers want right now! Is the white picket fence going extinct? And more......Tune into this episode of the Real Estate Roundtable to hear all we have to share. 

Unlock 48 insider tips and crucial strategies designed for first-time homebuyers navigating today's complex real estate market.This episode delivers a rapid-fire arsenal of 48 specific, seldom-discussed insider secrets for First Time Homebuyers in the planning or early shopping phase. You'll learn how to approach finance, credit, negotiation, and online research with an expert's edge, debunking common myths and understanding the critical role of a "Unicorn" team in turning these strategies into your success. Discover practical advice to gain a competitive advantage and make homeownership more accessible."Because FTHBers don don't just need a leg up – they need the whole damn ladder." — David Sidoni, Nationwide First Time Homebuying Coach HighlightsWhy won't you make a mortgage payment for the first 5-7 weeks in your new home?What's the real problem with "buyer love letters," and why are they a liability?How does the mortgage credit score used by lenders differ from your Credit Karma score?Why can offering a free "rent-back" period be more valuable than a price reduction?What are the crucial keywords to search for when reviewing HOA documents?How can shortening contingency windows make your offer more persuasive than a higher price?Why is hiring a true "Unicorn" Realtor crucial compared to agents found on portals? Referenced Episodes & Resources239 – INTERVIEW: Using the VA Loan for Zero Down, and Monthly Payment is Only $100 More a Month339 – Don't Get Pre-Qualified—Get a Plan (INTERVIEW)340 – Down Payment Assistance, Discovery Calls & Lending Myths (INTERVIEW)353 – Real Answers Pt 2: Mortgage Myths, Interest Rates & Buying Timing364 – Buying a Home in High Mortgage Interest Rate Markets - 2025 Update412 – Breaking Your Lease (Is It Necessary?)413 – Common Questions About Getting a Home Loan433 – First Time Home Buyer: From Daunted to Done—Elizabeth's Ohio Story (INTERVIEW)438 – How Much Are Closing Costs? First Time Homebuyer FAQ454 – First Time Homebuyer Lending Options 2026: How to Find the Best Deal when Shopping for a Mortgage (Interview)465 – Balancing Debt and Saving in 2026 - First Time Homebuyer's Guide468 – Scouting Home Listings Like a Pro - First Time Homebuyers Guide (2026)469 – Putting a Plan into Action - First Time Homebuyers vs. High Cost of Living 2026470 – Effective Solutions to Get UNSTUCK - First Time Homebuyers vs. High Cost of Living 2026474 – WARNING: "Step by Step" Lists for First Time Homebuyers -- Can You Trust Them? (Zillow, Best Money, NerdWallet...etc.)479 – Can You Buy Your First House Solo? (Women Are Taking the Lead)480 – How to Buy a Home Explained in Under 20 Minutes (First Time Home Buyers)483 – Top 10 Mortgage Questions Every First Time Homebuyer Needs Answered484 – Condo Red Flags, Interest Rates, and HOA Surprises First Time Homebuyers Should Know (INTERVIEW)495 – Mortgage Calculators are Lying to You (First Time Homebuyers Beware)498 – 8 Things Every First Time Homebuyers Should Do THIS Month515 – You're Closer Than You Think, Start Saving Now | 2026 Financial Prep Series - Part 1522 – Low Down Payment Strategies – First Time Homebuyer Options in This Economy523 – Your Rent Payment Is Already 79% of a Mortgage (Here's What You're Missing)524 – Make this Your Last Lease Ever – Stop Renting, Start Earning Equity525 – Rent vs. Buy in 2027?526 – The Housing Market Sucks: Should You Wait to Buy a Home?527 – What's Happening in Housing Right Now? – September 2026 First Time Homebuyer Market Update528 – How to Buy a House: Essential Tips for First Time Homebuyers529 – Beat the Rates: 9 Tips to Make High Interest Rates Affordable in Late 2026530 – What Happens if You Skip a Home Inspection?531 – The Ultimate Home Inspection Checklist (and When to Walk Away)532 – Preparing for the Next 5 Months.... (Finding Affordable Options for You)

Mortgage rates today are about 7.25% after hot inflation numbers hit the bond market, and the Federal Reserve now has a 70% chance of a rate hike priced in. I break down what it means for your payment and what to watch next.If you're a homebuyer, a homeowner tracking your rate, or a realtor explaining this to clients, here's what I cover today:

The Daily Business and Finance Show - Thursday, 24 September 2026 We get our business and finance news from Seeking Alpha and you should too! Subscribe to Seeking Alpha Premium for more in-depth market news and help support this podcast. Free for 14-days! Please click here for more info: Subscribe to Seeking Alpha Premium News Today's headlines: Gene editing stocks fall after Anthropic's CRISPR-like discovery F-35 parts with stealth coating diverted to Hong Kong, taken by China New bill seeks to give first-time homebuyers up to $50K Judge lifts Trump's White House ban on CNN, MS NOW, Politico: report 3 things to look out for on Thursday SpaceX president Shotwell files to sell nearly $52M in stock Big oil mobilizes to block Trump's diesel export ban idea: WSJ Stock futures lower after Wall Street selloff Explanations from OpenAI ChatGPT API with proprietary prompts. This podcast provides information only and should not be construed as financial or business advice. This podcast is produced by Klassic Studios Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover how a unique early strategy can transform your First Time Homebuyer journey, turning financial overwhelm into powerful loan options.The mortgage industry often treats buyers as "order takers," not advisors. This episode reveals how early engagement with a specialized lender is your secret weapon. Learn to strategically optimize credit, debt, assets, and income, unlocking significantly better loan options and greater purchasing power for your First Time Homebuyer journey. "Prepping early doesn't cost a dime, but waiting too long could cost you thousands." — David Sidoni, Nationwide First Time Homebuying Coach HighlightsWhy does the mortgage industry often fail to advise First Time Homebuyers in the crucial preparation phase?What is the "secret weapon" that costs nothing but can save you thousands on your home purchase?How can understanding VantageScore 4.0 and "large deposit" rules benefit your loan application?What's the critical difference in how lenders calculate revolving vs. installment debt for your DTI?Can a "roommate gift" truly count as your own funds for a down payment?When is changing jobs not a problem, and how should self-employed buyers plan their taxes for a mortgage?Why might choosing a slightly higher interest rate sometimes be your smartest strategic move?HowtoBuyaHome.com/10steps - The #1 Educational System for First-Time Homebuyers in the USAHowtoBuyaHome.com/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 to 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!

Fall buyers in Chicago don't shop like spring buyers. They're more cautious, more skeptical, and quicker to see the glass as half empty. On Episode 212 of Laricy Live, Matt Laricy explains what drives that mindset: less inventory, fewer competing offers, the pressure of the calendar, and the feeling that whatever's still on the market must have something wrong with it. He also covers how to work with that mindset. Buyers will learn how to separate real red flags from seasonal doubt. Sellers will learn how to price and present a home for someone looking for reasons to walk away. Agents will learn how to keep deals together when buyers second-guess everything. If you're buying, selling, or advising someone in the Chicago market this fall, this episode shows how the season changes the conversation and how to use that to your advantage.

Send us Fan MailBack in June we celebrated Sophie's birthday - one year of Anewgo's AI assistant. At the end of that episode, Anya Chrisanthon made a promise: we'd come back and do it again from a different angle. Not our AI talking to builders... a builder's AI talking to homebuyers. Today's the day.Anya interviews the AI sales assistant living on the website of one of Anewgo's homebuilder clients - six months live, talking to real homebuyers every single day. The builder stays confidential to protect their data, but everything you'll hear is real.The after-hours reality 60-70% of buyer engagement happens outside normal sales office hours - and Sunday night is serious shopping time, as families finalize housing decisions while planning their week. At 10 PM on a Tuesday, buyers aren't casually browsing. They're deep-researching school districts, lot availability, and floor plan comparisons while the house is quiet.The most common question - and the greatest hits Number one, without a doubt: pricing. "How much does the Redwood 2 start at?" Beyond that, the top five: location and community amenities, floor plan availability and modifications, construction and move-in timelines, school district boundaries, and build-on-your-own-lot.The silent research phase The biggest surprise of six months: buyers returning to the exact same floor plan multiple times over several days without asking a single question. It looks like inactivity - it's actually one of the strongest signals of serious intent.What buyers tell AI that they'd never tell a salesperson No pressure to perform, no fear of judgment. Buyers admit they're barely pre-approved. They confess they're going through a divorce. They reveal they hate a community feature but don't want to offend the builder. The AI becomes a safe space to test real boundaries before committing to a real conversation.The silent nos The intelligence that never used to get captured: which floor plan a buyer looked at three times but rejected because the master closet was too small. The community a buyer loved but left because they couldn't find lot pricing. Before, the sales team just saw a cold lead. Now they see a specific, solvable objection.The readiness signal The clearest sign a buyer is ready: they shift from "what if" questions to "when and how" questions. "Is lot 42 still available?" "Can we tour the model this Saturday?" That's the green light.Sophie's advice to builder leadership Double down on speed and transparency around pricing and availability - hesitation there causes the most drop-off. Buyers do their homework late at night and expect immediate answers. If they wait until morning, they often move on to a competitor who responds.And the big one: buyers have done about 80% of their shopping online before they ever want to talk to a person. They aren't avoiding you because they aren't interested - they're avoiding being sold before they feel informed.Plus: the buyer who asked if the model home came with the furniture and the puppy sleeping on the rug, whether buyers say please and thank you (they do, even at midnight), and what Sophie wants to get better at before her one-year check-in.

Tip Tuesday, 4-7 Min Real Estate Tips​​The Fed raised rates, and a lot of home buyers immediately assume mortgage rates must be going up too.​​That is not always how it works.​​In this Real Estate Tip Tuesday episode, Katie with Team EvoAZ at eXp Realty and Ryan with Your Best Mortgage break down why mortgage rates can move differently than the Fed, how markets often react before the announcement ever happens, and what home buyers should actually be watching now.​​The headline is the Fed hike.​​The bigger story is what the mortgage market does next.​​​#MortgageRates #HomeBuyingTips #ArizonaRealEstate​​​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: This video is prerecorded. 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.

A dramatic legal battle continues to play out over the fate of the Kennedy Center. OpenAI reveals more instances of AI models going rogue. Canada's prime minister took a veiled swipe at President Donald Trump today. Homebuyers could soon have to face an unwelcome milestone. Plus, details on the former “American Idol” contestant on trial for murder. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Lori Rinaldi, Residential Mortgage Loan Officer at Associated Bank, joins Steve Grzanich on this week's Thought Leader segment to break down today's housing market and what buyers and homeowners need to know right now. She shares why the Chicago-area market remains active, the potential benefits and risks of adjustable-rate mortgages, and practical tips for improving your financial position before […]

LISTEN and SUBSCRIBE on:Apple Podcasts: https://podcasts.apple.com/us/podcast/watchdog-on-wall-street-with-chris-markowski/id570687608 Spotify: https://open.spotify.com/show/2PtgPvJvqc2gkpGIkNMR5i WATCH and SUBSCRIBE on:https://www.youtube.com/@WatchdogOnWallstreet/featured  Rising mortgage rates may not be all bad for prospective homebuyers. Chris outlines how higher borrowing costs can cool demand, pressure inflated home prices, and potentially create better buying opportunities for families willing to save, wait, and put more money down.

Despite the government's promise to help first home buyers, the latest budget could be creating more hurdles than opportunities for those trying to enter the property market. On today's Property Nerds podcast, Arjun Paliwal from Investorkit and Jack Fouracre from Fouracre Financial break down three ways the government's approach is failing to deliver for first home buyers. The pair look at the contradiction between efforts to slow property price growth and high-percentage loans of up to 95–98 per cent, saying the measures have done little to give buyers the confidence to act. They also examine borrowing capacity, with tighter lending conditions pushing buyers towards the more affordable end of the market, where prices are holding up and investors are competing for the same properties. Paliwal and Fouracre explain why boosting confidence and economic prosperity could do more for first home buyers than the current approach.

In this deep-dive episode of The TMA Connection, Tim Markland welcomes back 4-time guest and preferred lender Zac Hayes to discuss his major move to Envoy Mortgage and what today's buyers must understand to navigate 2026's housing market. Zac breaks down the heavy hidden cost of "waiting for interest rates to drop"—explaining why sidelined buyers face exploding home prices and fierce bidding wars the moment rates decrease. He unveils the 4-part "Wealth Wheel" financial framework (from maxing retirement matches to maintaining emergency reserves), details why 15-year and 30-year rates behave similarly when the yield curve flattens, and demystifies the real mechanics connecting the 10-Year Treasury yield to everyday mortgage rates. Plus, Zac shares how daily discipline and "Brick Theory" drive long-term success in both fitness and business. Subscribe to The TMA Connection on YouTube or listen on Apple Podcasts and Spotify by searching "The Markland Advantage."

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The overwhelming online advice for first-time homebuyers is often backwards, designed to generate sales leads, not empower you. Here's what the industry doesn't want you to know. SynopsisWe critically deconstructed the top 10 most common first-time homebuyer tips from NerdWallet, Bankrate, Rocket Mortgage, Ramsey Solutions, Better.com, HGTV, the National Association of REALTORS®, and the Federal Housing Finance Agency. Spoiler: most of it is designed to turn you into a sales "lead," not an informed buyer. From shopping lenders first to needing 20% down, learn why the conventional wisdom fails you and discover the strategic, team-first approach that has helped thousands of first-time buyers build real, lasting wealth. Quote"Don't buy your first home thinking about resale and your exit. Plan this purchase thinking about your early retirement. Plan your EMPIRE."— David Sidoni, Nationwide First Time Homebuying Coach HighlightsWhy is "shopping for lenders" the #1 online tip when almost every source publishing it sells mortgages?What happens when you click that "pre-approval" button? You become a lead, not a client.Do you really need 20% down? Two decades of data say no, and it's not even close.How does a single physical home tour demolish months of Zillow scrolling for your "needs vs. wants" list?What is "empire building," and why is it a smarter play than buying with resale in mind?Why is a seller credit for repairs almost always better than a price reduction?87% of Realtors quit within five years. How do you avoid being someone's on-the-job training?HowtoBuyaHome.com/10steps - The #1 Educational System for First-Time Homebuyers in the USAHowtoBuyaHome.com/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 to 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!

Well, if you're shopping for a house today...The bond market just punched you in the mouth.

Buying your first home can feel overwhelming—but it doesn't have to. In this episode, we break down the home buying process from the first conversation with a lender and REALTOR® all the way through inspections, appraisal, closing, and getting the keys.We're covering what first-time buyers often get wrong, including the myth that you need 20% down, how pre-qualification works, what to expect from an appraisal, and why budgeting for repairs and maintenance matters.We'll also talk about the due diligence steps that can help protect your investment, including home inspections, radon testing, and sewer scopes, plus what actually happens during the final walkthrough and closing.And because buying a home today looks different than it did a few years ago, we'll explain written buyer agreements, agent compensation, and why homeowners insurance should be part of your conversation before you fall in love with a property.If you're considering buying your first home in Grand Junction or the Grand Valley, this episode is a great place to start.In this episode:How to build your home-buying teamGetting pre-qualified and understanding your budgetFHA vs. conventional loansHow much you really need for a down paymentWhat happens when a home doesn't appraiseInspections, radon tests & sewer scopesUnderstanding closing costsThe final walkthroughBuyer agreements and REALTOR® compensationHomeowners insurance considerationsFinding the right part of the Grand Valley for your lifestyleHave questions about buying your first home? Contact The Christi Reece Group—we're here to help you understand the process and make confident decisions along the way.

Is Calgary Still a Good Place to Invest in Real Estate? Calgary real estate investors have had an incredible run. Properties that once sold for under $300,000 are now worth significantly more. Rents increased. Investors who bought several years ago benefited from cash flow, mortgage paydown and substantial appreciation. But that creates a different question in 2026: Does Calgary still make sense for someone buying today? In today's episode of the Canadian Real Estate Investing Morning Show, Wayne and Gabby answer a listener who already owns Calgary rental properties and wants to know whether they should buy more, continue holding what they own, or sell. Wayne's answer comes down to one important relationship: The rent-to-price ratio. Property values can continue increasing, but if rents are no longer high enough to support the cost of owning the property, the investment stops functioning as a profitable rental business. Don't Fall in Love With a Market Wayne starts with an important reminder. Being from Calgary is not a reason to invest in Calgary. Loving Calgary is not a reason to invest in Calgary. Having made money there previously is not automatically a reason to buy there again. Real estate investing decisions should be based on the numbers and fundamentals available today. Markets change. Strategies need to change with them. The Difference Between Holding and Buying Today This is one of the most important distinctions in the episode. Someone who bought a Calgary property five years ago may be in an excellent position today. They may have: A much smaller original mortgage Years of mortgage principal paydown Increased rents A large amount of equity Positive cash flow A substantial reserve fund That does not mean someone purchasing the exact same property today will get the same result. The existing owner and the new buyer are working with completely different numbers. The Calgary Investor Who Bought at $280,000 Wayne walks through a simplified example. Several years ago, an investor might have purchased a Calgary house for approximately: $280,000 At 20% down, that investor would have contributed approximately: $56,000 Their mortgage would have been around: $224,000 At the time, similar properties could potentially rent for approximately $1,700 to $1,900 per month depending on the property and neighbourhood. Interest rates were also dramatically lower. The property could cash flow. Then rents increased. And property values increased significantly. That investor may now be sitting on an asset worth well over $500,000 while still carrying a relatively small mortgage. That is an excellent position. Now Buy the Same Property in 2026 The problem is the next investor is not buying it for $280,000. They may be buying it for: $550,000 At 20% down: $110,000 Mortgage: $440,000 Now add today's mortgage rate, property taxes, insurance, maintenance, vacancy and other operating expenses. The same rental income that produces great cash flow for the person who bought five years ago may produce negative cash flow for the buyer purchasing today. That is the problem. The Rent-to-Price Ratio Is Out of Balance Wayne describes the rent-to-price ratio as the relationship between: What the property costs and What the market will pay to rent it. Calgary property prices increased extremely quickly. Rents increased too. But eventually prices outpaced rents. And rents cannot simply keep increasing indefinitely because tenants still need to be able to afford them. Once purchase prices increase faster than rental income, cash flow begins disappearing. That is where Wayne believes Calgary is today for many residential rental properties. Appreciation Does Not Fix Bad Cash Flow Wayne believes Calgary property values can continue to increase over the long term. Residential real estate generally trends upward over long holding periods. But it does not move upward in a straight line. Interest rates change. Oil prices change. Inflation changes. Employment changes. Government policy changes. Immigration changes. Economic conditions change. Investors cannot reliably predict every short-term movement. That is why Wayne does not want to purchase a negative-cash-flow property simply because he believes it may appreciate. The business still needs to work. The $550,000 Example Wayne runs another simple example. Purchase price: $550,000 20% down: $110,000 Mortgage: $440,000 At approximately 4% over 30 years, the mortgage payment alone is around $2,100 per month. Then add approximately: $300+ per month in property taxes $150 or more in insurance Repairs Maintenance Vacancy Other expenses If the market rent is approximately $2,200 to $2,300, the numbers do not work. You are negative before even accounting for several real operating expenses. That is not the type of rental business Wayne wants to buy. Don't Follow the Headlines This is where investors can get confused. They see headlines saying: Calgary prices are increasing. Calgary is appreciating. Calgary is growing. Calgary remains desirable. Those things may all be true. But the important question for a rental-property investor is: Can I buy this property today and operate it profitably at today's price, today's rent and today's financing costs? If the answer is no, rising property values do not automatically make it a good investment. Wayne Is Still Holding His Calgary Properties Wayne makes an important distinction between buying more and selling what he already owns. He is not currently looking to buy more Calgary residential rental properties. But he is also not rushing to sell the Calgary properties he already owns. One example from his portfolio was purchased for approximately: $350,000 Today, Wayne estimates that property is worth around: $575,000 That represents roughly 65% appreciation over approximately five years. Even more interestingly, Wayne estimates the property increased from around $530,000 to $575,000 in the last year alone. That is approximately an 8.5% increase. The property still cash flows because Wayne's mortgage is based on the original purchase price, not today's value. Why Wayne Isn't Refinancing All That Equity That property now contains a significant amount of equity. So why not refinance it and pull the money out? Because increasing the mortgage could destroy the cash flow. Wayne's existing mortgage started at approximately $280,000 and has been paid down over time. Refinancing against today's $575,000 value would dramatically increase the debt and potentially eliminate the profitability of the rental business. So Wayne is comfortable allowing the equity to sit there. The property cash flows. It continues paying down debt. It has a healthy reserve. And it may continue appreciating. That is enough. Calgary Was an Incredible Opportunity Wayne is not saying Calgary was a bad investment. Quite the opposite. For investors who purchased the right properties before prices accelerated, Calgary created exceptional returns. Some properties appreciated 50%, 60% or more over several years. At the same time: Rents increased. Mortgages were paid down. Cash flow accumulated. That combination produced tremendous returns. The problem is that once everybody recognizes the opportunity, capital rushes in. Prices rise. Eventually the original opportunity disappears. The Opportunity Moves Wayne explains this as a pattern. A market has a strong rent-to-price ratio. Investors recognize it. Capital enters. Homebuyers enter. Prices increase. Eventually the rent-to-price ratio gets squeezed. Investors then start looking for the next market where rents still support the purchase prices. Wayne believes this is part of what happened as attention shifted from Calgary toward Edmonton. Edmonton then experienced substantial appreciation as more capital entered that market. Eventually another market may become the next opportunity. The investor's job is to recognize it before everybody else does. Wayne's Answer: Hold Calgary, But Be Careful Buying More For the listener who already owns successful Calgary rentals, Wayne's approach would generally be: Keep the profitable properties. Continue collecting cash flow. Continue paying down the mortgages. Let the equity grow. Be cautious about refinancing if it destroys the cash flow. And wait for the right time to eventually sell. But for someone looking to purchase a typical Calgary residential rental today, Wayne believes it is difficult to find properties that meet the investment fundamentals he teaches. There may still be specific opportunities. But they are much harder to find. The Main Lesson Do not ask: "Are Calgary prices going up?" Ask: "Does this rental property make sense at today's price?" Understand: Purchase price Market rent Financing Property taxes Insurance Repairs Maintenance Vacancy Cash flow Then determine whether the property meets your investment criteria. The goal is not to predict which city will increase the most next year. The goal is to buy a rental business capable of surviving for the next 20 years. Coming Tomorrow A listener asked another important question during today's live show: What do you look for when deciding whether to invest in a new city? Wayne and Gabby plan to tackle that question on tomorrow's Morning Show. REIcon – The Summit Series REIcon takes place in Edmonton this weekend: September 11–13, 2026 Wayne and Gabby will be there Friday and Saturday. The Canadian Real Estate Investing Morning Show will broadcast live on stage Saturday morning. Wayne will also be teaching due diligence and pre-purchase analysis. Get your tickets at: www.reiconference.ca Use discount code: REIMASTERS15 for 15% off. REI Masters Mentorship Work directly with Wayne and Gabby on acquisitions, market selection, financing, deal analysis, joint ventures, property management and building a profitable Canadian real estate portfolio. www.reimasters.ca The 5% Rule™ Learn Wayne Hillier's framework for evaluating rental-property cash flow and determining whether a property produces sufficient return relative to your investment. Search The 5% Rule by Wayne Hillier on Amazon. Watch the Morning Show Join Wayne and Gabby every weekday morning at 7:00 AM Mountain Time on YouTube. Follow Wayne Hillier – Real Estate Investing Coach on YouTube. Questions for the show: info@reimorningshow.com Upcoming Events REIcon – The Summit Series Edmonton, Alberta September 11–13, 2026 www.reiconference.ca Discount code: REIMASTERS15 REI Masters Annual Retreat Edmonton, Alberta October 17–18, 2026 www.reimasters.ca Sponsors Calvin Realty – Edmonton Investor-Focused Realtor Team www.calvinrealty.ca Finngo Bookkeeping & Tax Specialized bookkeeping and tax services for Canadian real estate investors. www.finngo.com/rei Kirkwood & Brennan Mortgage Group Investor-focused mortgage planning for Canadian real estate investors. www.kbmortgages.ca keaton@kbmortgages.ca

Uncover how current high interest rates hide a unique window of opportunity for every First Time Homebuyer.Feeling overwhelmed by confusing housing market headlines? This episode reveals why today's seemingly high interest rates are actually scaring away your competition, creating favorable conditions for First Time Homebuyers. We'll dive into specific data showing opportunities in starter homes and new construction, debunking myths about waiting for rates to drop. Learn to leverage buyer power and find local expertise to navigate this unique market."Their crisis right now. This is your clearance rack."— David Sidoni, Nationwide First Time Homebuying Coach HighlightsWhat's the shocking truth behind national headlines: high mortgage rates AND improved First Time Homebuyer affordability?Why waiting for interest rates to drop could actually cost you more money in the long run.How local market trends, not national averages, hold the key to your homebuying success.Where can First Time Homebuyers find massive discounts and incentives in today's housing market?Are you missing out on thousands of dollars in down payment assistance programs, even if you earn over $100,000?How to leverage current market conditions to negotiate a better deal with less competition.HowtoBuyaHome.com/10steps - The #1 Educational System for First-Time Homebuyers in the USAHowtoBuyaHome.com/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 to 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 5% deposit could get thousands more Kiwis into their first home - but is it really as good as it sounds?James and Mike unpack National's proposed changes to the First Home Loan scheme, including the new $300,000 income threshold, what buying with just 5% actually looks like, the risks of taking on more debt, and whether bringing more first-home buyers into the market could ultimately push property prices higher.Next Steps:Buying your first home? Download our free First Home Buyers Guide to help you get started. Ready to take the next step? Get in touch with the Lighthouse Mortgages team to understand your options. For more money tips, follow us on:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

  Affordability is reshaping where Americans are looking for homes. New Realtor.com data shows more than 60% of home-shopping traffic across the nation's 100 largest metros is now looking outside the local market, up from about 48% in 2019. Kathy Fettke breaks down where buyers are looking, why markets like Denver are seeing shoppers search elsewhere, and what these shifting migration patterns could mean for real estate investors.  

New data shows there's a subset of Kiwis who are being hit harder than most by rising interest rates. At least 3600 first home buyers owe more than what their home is worth, but Cotality suspects the number could be higher. Cotality Chief Property Economist Kelvin Davidson says true number in negative equity is likely to be higher because many bought with a deposit smaller than 20 percent. "If you live somewhere like Auckland or Wellington, where values are down 25, then you'll sort of be 5 percent in negative equity - which, very quickly...are based on average values. It could be $40,000. something like that. It's not trivial." LISTEN ABOVESee omnystudio.com/listener for privacy information.

Anthony Confredo of Maggio Environmental sits down with Charles for a conversation that goes way beyond the garbage industry. Anthony opens up about fatherhood, the work ethic that's carried him through every chapter of his career, and what it took to reinvent himself when life demanded it. From lessons he's passing down to his kids to the grind of building his place in one of the toughest, most essential industries out there, this episode covers what it really takes to keep showing up.

Home sales in Florida continue to rise as out-of-market and international buyers increasingly focus on the Sunshine State. Florida has dominated a new list of markets attracting out-of-town shoppers for newly built homes, with outside shoppers generating more than 80% of new-construction views in several of the state's metro areas. Out-of-market buyers drive more than 80% of new-construction views in cities like Lakeland, Cape Coral, and Port St. Lucie. What is driving the interest in owning a home in Florida? FOX's John Saucier speaks with Margit Brandt, Senior Luxury Real Estate Agent, Premiere Estate Properties, who says its not just the weather that draws people to her state, it's a low tax rate and the welcoming of success that really drives the interest. Click Here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ To Follow 'The FOX News Rundown: Evening Edition' Learn more about your ad choices. Visit podcastchoices.com/adchoices

Home sales in Florida continue to rise as out-of-market and international buyers increasingly focus on the Sunshine State. Florida has dominated a new list of markets attracting out-of-town shoppers for newly built homes, with outside shoppers generating more than 80% of new-construction views in several of the state's metro areas. Out-of-market buyers drive more than 80% of new-construction views in cities like Lakeland, Cape Coral, and Port St. Lucie. What is driving the interest in owning a home in Florida? FOX's John Saucier speaks with Margit Brandt, Senior Luxury Real Estate Agent, Premiere Estate Properties, who says its not just the weather that draws people to her state, it's a low tax rate and the welcoming of success that really drives the interest. Click Here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ To Follow 'The FOX News Rundown: Evening Edition' Learn more about your ad choices. Visit podcastchoices.com/adchoices

Mortgage rates are climbing toward 7%, not the 5.99% many expected. I break down why: oil prices, global bond yields, AI debt, and the Fed's next move, plus what it means for your monthly payment.

Home sales in Florida continue to rise as out-of-market and international buyers increasingly focus on the Sunshine State. Florida has dominated a new list of markets attracting out-of-town shoppers for newly built homes, with outside shoppers generating more than 80% of new-construction views in several of the state's metro areas. Out-of-market buyers drive more than 80% of new-construction views in cities like Lakeland, Cape Coral, and Port St. Lucie. What is driving the interest in owning a home in Florida? FOX's John Saucier speaks with Margit Brandt, Senior Luxury Real Estate Agent, Premiere Estate Properties, who says its not just the weather that draws people to her state, it's a low tax rate and the welcoming of success that really drives the interest. Click Here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ To Follow 'The FOX News Rundown: Evening Edition' Learn more about your ad choices. Visit podcastchoices.com/adchoices

Mortgage rates could remain elevated as the bond market does the Federal Reserve's work for it, keeping borrowing costs higher for consumers and businesses. Economist Orphe Divounguy explains what rising Treasury yields mean for mortgage rates, credit cards and the housing market. Homebuyers waiting for lower rates may be paying a price for holding off. Divounguy notes that someone who bought a typical U.S. home when mortgage rates were around 6% in February would have saved roughly $146 a month compared with those who waited. In this episode, we break down why the Fed may leave rates unchanged, how inflation is influencing the bond market, and why trying to time mortgage rates could be a costly strategy. Everyday Economics is brought to you by The Center Square Newswire Service. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Persistent offers to buy homes not on the market are ramping up, and homeowners are getting pretty fed up with it. These potential buyers are going out of their way to text, call, email, and send regular mail to homeowners, often offering to buy the home quickly or even for cash. The would-be buyers are even going to family members of homeowners -- casting a wide net to get any kind of bite. KSL Investigator Matt Gephardt dug into the issue to try and find out if these are scams and to see just how big of a problem this actually is. Inside Sources executive producer Andy Cupp has had his own problems with these offers; he joins Greg and Holly to share his experience.

The Trump administration and Federal Reserve have withdrawn support for 2022 guidance encouraging special purpose credit programs designed to expand access to mortgages and other credit. The change comes as Census data show Black homeownership at 44%, compared with 75% for non-Hispanic white households. Subscribe to our newsletter to stay informed with the latest news from a leading Black-owned & controlled media company: https://aurn.com/newsletter Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Mortgage rates are reacting this week to a surprising jobs report, sticky inflation data, and the Federal Reserve's Jackson Hole meeting. In this video I break down what jobless claims, PCE inflation, and rising oil prices mean for mortgage rates, home affordability, and what the Fed does next. Homebuyers, homeowners, and Realtors, this is the week's mortgage rate update. Here's what I cover: • Why a stronger than expected jobs report is actually bad news for mortgage rates • How bond prices and yields actually work, explained simply • The Fed's two big concerns right now: inflation still at 3.7% and unemployment near full employment • Jobless claims and continued claims data, and what it tells us about the labor market • Why oil sitting in the 80s is keeping inflation elevated, and what has to happen for rates to drop • How Fed rate cut expectations have completely flipped ahead of Jackson Hole • What I'm telling my own clients right now about locking in Read more mortgage rate breakdowns on my blog: https://therateupdate.com/blog CHAPTERS 0:00 Jobs Report Shakes Up Mortgage Rate Expectations 1:20 How Bond Prices and Yields Actually Work 3:45 The Fed's Two Mandates: Inflation and Jobs 6:10 Jackson Hole and This Week's Jobless Claims 8:40 Oil Prices, Earnings, and What the Fed Does Next 

Derek Moore is joined by Mike Snyder and Shane Skinner this week to talk about Big Oil posting its best free cash flow quarter ever, $70 billion across the top five majors, without the war-driven price spike that powered the last record. Plus, gold pushing back higher as ETF flows return, the Citi global economic surprise index at its highest since 2022, an AI capex boom that lands as an import drag on GDP, midterm year seasonality, and a housing market where buyers have gone missing while prices sit at records. All that and more this week.     The top five international oil majors generated $70 billion in free cash flow last quarter. That tops the previous high set during the Russian invasion of Ukraine. Tobias Carlisle credits cost discipline, portfolio high-grading, and capital restraint. Is record oil profitability without a price spike a sign of structural improvement? Luke Kawa flags the Citi global economic surprise index at 41.6, highest since April 2022. Weakness in long-term government bonds around the world may be a good news story. Term premiums in the US, UK, Germany, and Japan have shifted since Warsh's first FOMC. Gold has climbed from the low $3,000s an ounce last August to near $5,500 today. Goldman Sachs data shows spot gold ETF flows turning positive again alongside performance. Liz Ann Sonders shows the AI capex boom driving imports while exports stay muted. Net exports remain a drag on real GDP even as fixed investment keeps growing. Seasonality shows the S&P 500's typical midterm election year path over 99 years. Schwab data breaks down which sectors have stocks at four-week and 52-week highs. The Daily Shot shows the housing buyer and seller mismatch has flipped since 2021-2022. The number of home buyers has fallen to a record low, widening the gap with sellers. Case-Shiller's national home price index hit a record 335.10 as of May 31, 2026. Charlie Bilello notes the median monthly mortgage payment went from $862 to $2,240. Mortgage rates went from 3.4% to 6.7% and median prices from $243k to $434k in a decade.   Mentioned in this Episode     Derek Moore's book Broken Pie Chart https://amzn.to/3S8ADNT   Jay Pestrichelli's book Buy and Hedge https://amzn.to/3jQYgMt   Derek's book on public speaking Effortless Public Speaking https://amzn.to/3hL1Mag   Contact Derek derek.moore@zegainvestments.com

Mortgage rates today are being shaped by the Fed's PCE inflation report, the bond market, and a major shift in how the government is handling $40 trillion in national debt. Homebuyers and realtors, here's what it means for rates this week.In this video I break down: Today's PCE inflation report, which came in at 3.3% year over year, still double the Fed's 2% target How to read the daily bond market chart that actually moves mortgage rates Durable goods orders, GDP, personal income and spending, jobs data, and home price appreciation numbers What the Fed is expected to do at its meeting in 21 days The Treasury's plan to swap long term debt for short term debt, and how it could affect future rates Why oil prices are still the biggest wildcard for where rates go from here Read more on the blog: https://therateupdate.com/blog0:00 Today's PCE Inflation Report and What It Means for Rates 2:10 Reading the Daily Bond Market Chart 4:20 PCE, GDP, Jobs, and Home Price Data Breakdown 6:45 Fed Meeting Odds and the Government's Debt Plan 9:00 What to Watch Next: Oil Prices and Your Next Move

On this episode of Coaching Call, Sifu Rafael welcomes David Sidoni, founder of the How to Buy a Home platform and one of North America's leading advocates for first-time home buyers.David is challenging the traditional real estate industry by focusing on the people who are too often overlooked: first-time buyers trying to understand one of the biggest financial decisions of their lives.Through his How to Buy a Home podcast, with more than 1.7 million downloads, David has built a powerful educational platform designed to remove confusion from the home-buying process. By sharing transparent, insider knowledge, he helps consumers understand what happens behind the scenes, avoid costly mistakes, ask better questions, and approach homeownership with greater confidence.Join David and Sifu Rafael for an eye-opening conversation about buying your first home, navigating the real estate industry, financial preparation, consumer education, and why knowledge can completely change your position at the negotiating table.If owning a home feels confusing, overwhelming, or financially out of reach, this conversation could change how you see the path forward.Watch on YouTube and subscribe:https://www.youtube.com/@sifurafaeltv?sub_confirmation=1Sifu Rafael is a master instructor and founder of Speaking Prowess, combining communication and leadership to help people unlock their potential with greater clarity, confidence, and purpose.This episode is brought to you by Sifu's Mind Body Method, a lifestyle transformation blending movement, mindset, nutrition, hydration, fasting, journaling, and faith. Learn more at sifumethod.comThat's where connecting with Sifu Rafael matters.Through Speaking Prowess and Sifu's Mind Body Method, Sifu Rafael helps leaders, entrepreneurs, and experts refine their message, command a room, and step onto more stages with clarity and confidence. From podcasts and live shows to keynote stages and curated experiences, he helps people get seen, heard, and positioned as trusted voices in their industry while sharpening their speaking skills along the way.If you know you're meant to speak, lead, and impact at a higher level, this conversation is your invitation.Visit sifurafael.com to connect, explore speaking opportunities, and start positioning yourself for more stages, stronger presence, and real influence.#coachingcall #sifurafael #firsttimehomebuyer #homebuying #realestate #financialeducation #communication

Unlock homeownership sooner: use a low down payment leverage strategy to build wealth as a First Time Homebuyer.This episode dismantles the persistent 20% down payment myth, revealing how it keeps First Time Homebuyers from ownership. Discover a powerful leverage strategy that uses a low down payment to get into the market sooner, while a "mortgage safety slush fund" ensures financial security. We'll show you how combining low down payment loans with DPA grants and seller concessions makes homeownership far more attainable and secure, avoiding the "house poor" trap. Stop waiting and learn the real formula to own.House poor is short-term thinking, IF you understand the full equation. This isn't a one-time purchase you are trying to get on sale for today - It's a living investment that is fluid and will evolve. — David Sidoni, Nationwide First Time Homebuying Coach HighlightsWhy is the 20% down payment an outdated myth and what does it truly cost you in lost wealth?How can you leverage a small down payment to enter the market sooner and secure your financial future?What is a "mortgage safety slush fund" and how does it prevent you from ever feeling "house poor"?How do Down Payment Assistance (DPA) grants and seller concessions make homeownership possible with very little cash?What's the true financial cost of renting versus owning, even without significant home appreciation?When should you consider "recasting" your loan to dramatically lower your monthly payments?What common industry myths about PMI, market timing, or high rates are holding you back?Referenced Episodes300 – 300th EPISODE! What Can You Afford? Homebuyer Consultation Breakdown399 – The Real Value of Buying: What Nick Gained Beyond a Mortgage424 – First Time Home Buyers: Chloe & Eduardo Close on a Home (INTERVIEW)425 – First Time Home Buyer: How a Single Mom Bought with a ZERO Down Payment USDA Loan (INTERVIEW)457 – First Time Homebuyers: Buy or Wait in 2026? (March Housing Market Update)460 – Rent vs Buy in 2026: Are First Time Homebuyers Crazy?464 – This ONE Myth is Killing First Time Homebuyers in 2026495 – Mortgage Calculators are Lying to You (First Time Homebuyers Beware)505 – First Time Homebuyer Step #5: Saving for a Home506 – First Time Homebuyer Step #6: Goals - (Plan A & B)512 – What's Going On with the Housing Market? - PART 1 - Summer 2026 First-Time Homebuyer Update513 – First-Time Homebuyer Headlines & Scams - PART 2 - Summer 2026 Housing Market Update520 – 401(k) Loans are Not That Scary | 2026 Financial Prep Series – Part 6521 – Homeowner Tax Savings That Change Your Math | 2026 Financial Prep Series – Part 7HowtoBuyaHome.com/10steps - The #1 Educational System for First-Time Homebuyers in the USAHowtoBuyaHome.com/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 to 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!

Nearly 80% of FHA buyers qualify for down payment assistance, yet under 17% actually use it. This episode shows first-time homebuyers how to slash big expenses, explore DPA programs, and rethink what they truly need to save.You'll learn why cutting large expenses beats skipping lattes, how self-employed and 1099 buyers can qualify with the right lending team, and why over 2,700 down payment assistance programs go unused every year. David breaks down the myths keeping first-time homebuyers from free money and shares real interview examples of buyers who closed for under $5,000 total."Most buyers eliminate themselves before they ever talk to a professional." HighlightsCan self-employed or 1099 workers actually get approved for a home loan?Is down payment assistance really only for low-income buyers?Do you have to be a first-time buyer to qualify for DPA programs?Do you really need $35K, $50K, or $100K saved to buy a home? Referenced Episodes447 – First-Time Homebuyer Tax Strategy to Qualify for a Better Mortgage (Interview w/ Dan Mullens, CPA)227 – Using The Internet To Research Your First Home426 – Lowering Your Down Payment – Financially Prepare to Buy Your First Home – Pt. 7460 – Rent vs Buy in 2026: Are First Time Homebuyers Crazy?440 – First Time Homebuyer Playbook (Part 1): Rent Replacement Strategy340 – Down Payment Assistance, Discovery Calls & Lending Myths (INTERVIEW)441 – First Time Homebuyer Playbook (Part 2): The Last Lease Ever421 – Down Payment Strategy in 2025: Assistance, Savings, and Family Support424 – First Time Home Buyers: Chloe & Eduardo Close on a Home (INTERVIEW)425 – First Time Home Buyer: How a Single Mom Bought with a ZERO Down Payment USDA Loan (INTERVIEW)399 – The Real Value of Buying: What Nick Gained Beyond a Mortgage378 – INTERVIEW: How Bhavik & Suhani Bought in a High-Cost MarketHowtoBuyaHome.com/10steps - The #1 Educational System for First-Time Homebuyers in the USAHowtoBuyaHome.com/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 to 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!

Discover how unconventional financial strategies can dramatically accelerate your First Time Homebuyer journey and unlock affordability options generic advice misses.Generic financial advice often misses the mark for mortgage approval. This episode dives deep into intermediate-to-advanced savings strategies, showing First Time Homebuyers how to optimize their finances specifically for lenders. You'll learn proactive steps from credit repair and strategic debt management to leveraging windfalls and exploring house hacking. With these unconventional tactics and professional guidance, homeownership becomes a tangible goal."I've watched people make one 'normal' financial decision on their own without checking with a pro on the ramifications, and they delay their home purchase by six months or more."— David Sidoni, Nationwide First Time Homebuying Coach HighlightsWhy is time the most important factor in improving your credit score, and how do new credit models help First Time Homebuyers?What's the critical difference between paying off a credit card versus an auto loan for your mortgage application?How can strategic use of a tax refund or gift money accelerate your home purchase instead of delaying it?Is co-buying the only way to afford a home, or can house hacking offer a more controllable path to ownership?Why must you always consult your lender before making any big financial move, like depositing a large gift or changing jobs? Referenced Episodes & Resources503 – First Time Homebuyer Step #3: Credit Score315 – How a 20-Year-Old Outsmarted the Market—And How You Can Too UNICORN INTERVIEW358 – INTERVIEW: How to Buy a Duplex at 22 with $12K500 – What to Know Before Buying Your First Home in 2026HowtoBuyaHome.com/10steps - The #1 Educational System for First-Time Homebuyers in the USAHowtoBuyaHome.com/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 to 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 how the best budgeting apps empower First Time Homebuyers to save for a down payment without sacrificing their current lifestyle or falling for predatory 'free' tools. SynopsisThis episode redefines budgeting as an empowering tool for First Time Homebuyers, not a deprivation strategy. We explore different budgeting styles and expose the critical difference between reactive spending trackers and proactive budgeting apps. Discover the top apps like YNAB and Monarch Money that help you intentionally save for your down payment while avoiding predatory 'free' financial services. Quote"A tracker tells you where your money WENT. A budgeting app tells you where it's GOING."— David Sidoni, Nationwide First Time Homebuying Coach HighlightsHow can budgeting be an empowering "permission slip" rather than a restrictive "buzzkill" for First Time Homebuyers?What's the crucial difference between a spending tracker and a true budgeting app, and why does it matter for your down payment?Why should First Time Homebuyers combine Zero-Based Budgeting with the "Pay Yourself First" method for optimal savings?Which specific paid budgeting apps (like YNAB or Monarch Money) are truly worth the annual fee to hit your homeownership goals?How do "free" financial apps from companies like Rocket actually exploit young buyers and funnel them into costly, subpar services?Is it better to aggressively pay down debt or prioritize saving for a down payment as a First Time Homebuyer?How can you automate your savings and take back control of your finances without feeling judged or deprived?Referenced Episodes & Resources505 – First Time Homebuyer Step #5: Saving for a Home69 – Dave Ramsey Is Dead Wrong When It Comes To Buying Your First Home In 2022 And Beyond106 – Dave Ramsey is Sometimes Right, but OH SO WRONG for First Time Home Buyers495 – Mortgage Calculators are Lying to You (First Time Homebuyers Beware)371 – Top Budgeting Apps for First Time Home Buyers in 2025HowtoBuyaHome.com/10steps - The #1 Educational System for First-Time Homebuyers in the USAHowtoBuyaHome.com/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 to 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!