How to Buy a Home

This is more than a replay—it’s a full-circle moment. Back in Episode 244, David answered a listener’s in-depth questions about down payments, credit scores, and monthly payments. Now, in Episode 329, you’ll hear the amazing follow-up—how that same listener used the advice to buy a $650K home, win a bidding war, and walk away with a smarter mortgage strategy than most pros could dream up. This episode revisits a real listener journey that began with an email and turned into a personalized coaching moment in Episode 244. Now, months later, they’re homeowners—with $90 PMI instead of 20% down, $100K in reserves still invested, and a clear plan to keep building wealth. From credit moves to appraisal gap strategies, from picking the right lender to planning for a second property down the road, this episode proves that when you stop Googling and start planning, you unlock real results. Quote: “Although we had over 20% to put down, we ended up just putting 5% down because the PMI was only $90 per month. We decided to keep our money in investments and watch it grow.” — Listener featured in Episode 329 Highlights: • How a first-time buyer used Episode 244’s coaching to win a bidding war • Why they chose terms over rate when picking a lender • Locked in at 6.3% after starting at 7.25%—and how timing made the difference • Why they kept 20% in investments instead of using it for a down payment • $90/month PMI that helped them stay liquid—and why that strategy matters • How her 720 credit score got fixed in just months • Planning ahead: Why she stayed off the loan to possibly buy a second property later Referenced Episodes: • Episode 244 – Details Matter: On-Air Coaching With a Real Listener • Episodes 175–177 – How to Win a Bidding War • Episode 198 & 216 – Using PMI Strategically Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit 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!

If you’re tired of feeling stuck, this is the episode that gets you unstuck. David lays out a step-by-step action plan—from boosting your credit and automating savings to leveraging AI, understanding taxes, assumable mortgages, and more. No generic advice here. These are real moves first-time buyers can make today to start building momentum, no matter your timeline or income. Plus, David exposes a new wave of shady “cash back” apps and explains how they work—so you don’t get trapped by fake perks and unvetted agents. Quote: “Research is great, but passive learning can stunt your growth. It’s time for action.” — David Sidoni, Episode 328 Highlights: 1. Leverage AI tools like ChatGPT to research terms, markets, and neighborhoods. 2. Report rent payments to boost your credit—the right way, with professional guidance. 3. Automate your savings and treat it like a non-negotiable bill. 4. Understand homeownership tax benefits that can improve your take-home pay. 5. Explore assumable mortgages for access to 2–3% interest rates (listen to Episode 326). 6. Track your progress visually—thermometers on the fridge, kindergarten-style. 7. Create a parallel financial plan—save and pay down debt at the same time. 8. Consider rate buy-downs to lower your monthly payment (see Episode 262). 9. Fix your partner’s credit score (without starting a fight). 10. Prep for bidding wars—and why being “ready” is more than just finances. BONUS WARNING: • Learn how “cashback” platforms like Gravy use shiny perks to lock you into unvetted agents and lenders who pay to be recommended. • Discover the truth behind those “free” savings—and why they may cost you tens of thousands more in the long run. Referenced Episodes: • Episode 94: Real Estate Terms and Definitions • Episode 251: Tracking Progress with Thermometers • Episode 262: Mortgage Rate Buy-Downs • Episode 300: Deep Dive on Credit Scores • Episodes 175–177: Bidding War Tactics • Episode 326: Assumable Mortgages Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit 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!

Elizabeth thought she was 12–18 months away from buying her first home. Just four months later, she and her partner Joseph were moving into a sun-filled home they love—for less than list price and with instant equity. This interview breaks down how it happened. After discovering the podcast on Spotify, Elizabeth reached out expecting to take it slow. But with the help of a unicorn lender, she uncovered investment assets she didn’t know she could use, built a plan, and closed fast—without rushing. She shares how she and Joseph trusted their gut, prioritized layout and light over square footage, and used a job offer letter to qualify for their mortgage. Most importantly, she shows what’s possible when buyers have the right team, real information, and support that puts their goals first. Quote: “This is our own place. We don’t have to worry about other people… If there’s problems, we’re in control and we can deal with it ourselves.” — Elizabeth, Episode 327 Highlights: 1. From savings to ownership in 4 months—how a plan made it happen fast. 2. They started with $3,100—and ended up putting 20% down by tapping into investment accounts. 3. Job offer letters work—how Joseph’s future income helped them qualify. 4. The lender made all the difference—six meetings, full education, no pressure. 5. Bank vs. Unicorn Lender—why they ditched the lower rate for real service. 6. Appraisal surprise—they paid under list and the home appraised higher. 7. Light over size—why layout and natural light won over square footage. Referenced Episodes: • Episode 301 – Start of the 10-Step First-Time Homebuyer Starter Series Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit 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!

Think low interest rates are gone? Not if you know where to look. In this game-changing episode, David Sidoni is joined by Ryan, aka The Assumable Guy, to break down assumable mortgages—a rare but powerful way first-time buyers could score a 2-3% interest rate in today’s high-rate market. Assumable mortgages sound too good to be true—but they’re real, and most agents don’t even know how they work. David and Ryan explain how these loans let buyers take over a seller’s low-interest mortgage, slashing monthly payments by hundreds. They cover the step-by-step process, how to find these deals, the challenges, and why this could be the ultimate first-time buyer hack—especially if you’re willing to get creative with house hacking too. ✅ Plus—specific instructions if you want help finding assumable mortgages in your area. Quote: “Not only will you pay, on average, $1,000 less a month in your mortgage, but you’re going to spend $80,000 less in interest in just the first five years alone.” — Ryan, Episode 326 Highlights: • What is an assumable mortgage? How it works—and how buyers benefit. • How to inherit a 2-3% interest rate—even when market rates are 7%+. • The truth about VA, FHA, and USDA loans—who can assume them and the biggest misconceptions. • What’s the catch? Equity gaps, longer timelines, and lender roadblocks explained. • House hacking meets assumables—how Ryan used this strategy to build his real estate portfolio from $35K/year to financial freedom. • Down payment options—what happens if the seller has a lot of equity and how to finance the gap. • Why most realtors have no idea this strategy exists—and how a unicorn agent makes all the difference. Referenced Links & Resources: • Follow Ryan (The Assumable Guy) on Instagram: https://www.instagram.com/the.assumable.guy/ • TikTok: https://www.tiktok.com/@the.assumable.guy • Learn more about assumables and house hacking at TheAssumableGuy.com IMPORTANT – Get Local Assumable Mortgage Info: If you want specific assumable mortgage options in YOUR area, go to HowToBuyAHome.com and click Ask David. Tell him you want info on assumables, and he’ll connect you with the right unicorn experts. Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit 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 one-of-a-kind episode, David Sidoni sits down with Maya, a conversational AI chatbot designed for natural dialogue—not real estate advice. What happens when a general-purpose AI is asked to weigh in on one of life’s biggest decisions—buying a home? David puts Maya to the test in this completely unscripted conversation to see what AI understands about the homebuying journey. Together, they explore renting vs. buying, the emotional connection to homeownership, what makes a great realtor, and the persistent myths that hold buyers back. Maya wasn’t designed for homebuyers, but the conversation reveals just how far AI has come—and why understanding tech like this matters as the real estate world evolves. Quote: “You’re a myth buster, a champion for the underdog, guiding them through the labyrinth of homeownership.” — Maya, Episode 325 Highlights: • Can a general AI chatbot really discuss homebuying? • Renting vs. buying—Maya breaks down the emotional and financial sides. • What makes a great realtor? Maya nails the top 5 traits buyers need. • The 20% down payment myth—why it’s still holding buyers back. • The rise of AI in real estate—what’s helpful and what’s risky. • Why first-time buyers are older than ever—and how misinformation delays them. Referenced Resources: • Learn more about Maya’s AI technology from Sesame: https://www.sesame.com/research/crossing_the_uncanny_valley_of_voice Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit 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 pulls back the curtain on what happens when a unicorn realtor, a killer team, and a well-prepared first-time buyer come together. David Sidoni is joined by Melissa and her realtor Alton to break down exactly how Melissa bought her first home—a $675K corner-unit condo—in a high-cost area without getting house poor. Buying in Southern California is tough—but Melissa, a first-time buyer and pharmacist, made it happen. In this episode, Melissa and Alton share how preparation, strategy, and the right team helped Melissa win a gorgeous, light-filled condo—with no bidding war and no major compromises. From dodging HOA disasters to insider tips on finding hidden value, this episode is packed with lessons for anyone buying in a competitive market. Quote: “This is my first home and I’m by myself. I didn’t really have anybody I could talk to who understood real estate… So I think [Alton] kind of just helped guide me… explaining things, putting in terms that I would quickly understand… I needed somebody to kind of guide me and to do that. I didn’t have anybody else like that.” — Melissa Highlights: • How Melissa’s preparation and spreadsheets made the homebuying process fast and smooth. • The HOA disaster that saved her thousands—and how the right team caught it. • Why natural light, a corner unit, and safety were dealbreakers—and how she got it all. • The truth about physician loans—and why Melissa didn’t need one. • How holiday buying season helped reduce competition and secure her dream home. • What happens when you go under contract, back out, and still win the right home. • The power of having a unicorn realtor who builds relationships and gets deals done. Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit 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 special replay, David Sidoni dives into one of the most common first-time buyer questions—should you buy a home directly from the seller? Plus, the truth about Zillow’s Zestimate and why relying on it could cost you thousands.Buying directly from a seller (For Sale By Owner / FSBO) sounds like a great way to score a deal—but is it? David breaks down the real risks of buying without representation and why FSBO deals often leave first-time buyers unprotected and overpaying. Plus, he exposes the shocking inaccuracy of Zillow’s Zestimate, and what you should do instead if you want to make a smart offer. Quote: “The seller pays for your realtor. You shouldn’t have to do this alone, especially because you can hire a pro for free.” – David Sidoni Highlights: • Why most FSBO deals don’t save you money—and often cost you more. • The real reason sellers skip listing on the open market (hint: it’s not to give you a deal). • How Zillow’s Zestimate is often off by thousands—straight from Zillow’s own data. • What buyers miss out on without professional representation—and why it’s risky. • Why timing the market wrong can cost you more than “overpaying” today. • How amortization works—and what you REALLY pay over the life of a loan. • Why owner financing might sound appealing—but often benefits the seller, not you. Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit! David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Buying a home might seem out of reach, but are you closer than you think? In this episode, David Sidoni breaks down the five biggest questions every renter should ask before deciding if they’re ready to stop renting and start building wealth. Most first-time buyers wait longer than they need to simply because they don’t know where to start. David tackles the biggest myths about credit, savings, and affordability—plus, the simple mindset shift that could put homeownership in reach much sooner than expected. Quote: “Buying a home isn’t something you do after years of renting. It’s an option you should consider every time you move—because for thousands of first-time buyers, it’s been way more doable than they ever imagined.” – David Sidoni Highlights: 1. Am I even ready to buy? Why homeownership might be closer than you think. 2. What’s the absolute minimum I need to qualify? (Credit, income, and debt-to-income ratio). 3. How much house can I afford? Why online calculators might be lying to you. 4. Are there programs that can help? Free money for first-time buyers. 5. How long does the homebuying process actually take? (Hint: It’s probably shorter than you expect). Referenced Episodes: • Episode 301-310 – The 10-Step First-Time Homebuyer Starter Series. • Episode 239 – Isaiah’s story: Buying a home for less than his rent. General Notes: Most renters don’t know they’re ready—until they take the first step. Even if you think you’re years away, this episode helps you get real answers, not guesses, so you can take control of your future. Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit! David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Buying a home in an expensive market seems impossible—but Sam and Kristen did it while planning a wedding. In this episode, they reveal how they saved, strategized, and won their dream home in Long Island—without being the highest bid. With $40,000 down and wedding expenses on the horizon, Sam and Kristen weren’t sure homeownership was possible. After months of research, the right real estate team, and a few unexpected twists, they made it happen. They share why walking away from one deal saved them thousands, how they beat a higher offer, and the unexpected factor that helped them win their home. Quote: “We actually got outbid on this house… and the sellers still picked us. They saw us on the cameras, thought we were so cute, and wanted a nice couple to move in!” – Sam Highlights: • How they saved for a home—while paying for a wedding. • Why walking away from their first house was the best decision. • How they won their home—without being the highest offer. • Why sellers sometimes choose buyers over money. • The power of working with the right real estate team. • How their dog Miles played a role in their home search. Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit 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 one of California’s most devastating wildfires, entire neighborhoods were lost. Sam and Claire, two sisters who lived through the disaster, share their story of survival, loss, and rebuilding. This powerful conversation highlights the strength of community, the importance of preparation, and the resilience needed to start over. The 2025 LA Wildfire changed lives in an instant, wiping out homes and displacing families overnight. Sam and Claire, both realtors and community leaders, lost nearly everything. In this emotional interview, they recount the chaos of evacuation, the heartbreak of losing their home, and the unexpected acts of kindness that helped them rebuild. Their story is a testament to the power of community, preparation, and perseverance in the face of tragedy. Quote: “The hardest part for me was the feeling of displacement… Not knowing where your children are going to sleep is indescribable.” – Claire, Episode 320 Highlights: • The morning everything changed – How Sam and Claire went from a normal workday to losing everything in hours. • The emotional reality of losing a home – What displacement feels like and how families cope with uncertainty. • What happens when insurance isn’t enough – The hard truths about coverage gaps and rebuilding after disaster. • Acts of kindness in crisis – How friends, strangers, and the community stepped up to help. • Lessons for homeowners and buyers – Why insurance matters more than you think and how to prepare for the unexpected. • Rebuilding, recovery, and resilience – What comes next for survivors and their communities. Referenced Resources: • California Fire Foundation – Providing relief and support to fire victims Connect with me to find a trusted realtor in your area or to answer your critical questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit 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!

David Sidoni breaks down one of the biggest misconceptions in homebuying—whether condos and townhomes are a bad investment. With affordability getting tighter, first-time buyers need to know why condos and townhomes can be smart stepping stones that help build wealth instead of throwing money away on rent. Is buying a condo or townhome a bad idea? Many first-time homebuyers believe they must buy a house to build wealth—but that myth is costing buyers hundreds of thousands of dollars. In this episode, David revisits this hot topic with new insights for 2024-2025 and explains how a rent replacement strategy can turn a condo or townhome into your first step toward long-term financial success. Quote: "There’s tons of condo haters out there. But with the right guidance in an appreciating market—especially as things get more unaffordable—sometimes, using a rent replacement strategy to buy a condo means you can afford a home later and be hundreds of thousands of dollars ahead." Highlights: What’s the real difference between a condo, townhome, and single-family home?Why do so many people wrongly assume condos aren’t a good investment?The unexpected costs of owning a house that condos can help you avoid.How HOA fees actually replace major homeownership expenses.The “rent replacement strategy” – how to use a condo to fast-track your dream home.How a past guest turned a $197K condo into an $80K profit to buy her dream home.What buyers NEED to check before purchasing a condo or townhome. Referenced Episodes: Episode 238Episode 154 Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit 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!

David Sidoni interviews Antonio, a self-proclaimed risk-averse first-time homebuyer who spent six years researching before deciding to buy. With the right strategy and team, Antonio went from planning to homeownership in just days—and he shares how research, preparation, and smart decisions helped him secure a home faster than he ever expected. After six years of Zillow searches and financial planning, Antonio still wasn’t sure if he was ready to buy. But after finding How to Buy a Home and connecting with a trusted real estate team, he discovered that the homebuying process doesn’t have to take forever—and that he was far more prepared than he thought. In this episode, Antonio shares the research strategies that gave him confidence, how he secured a better deal than expected, and the surprising ways a well-prepared buyer can gain an advantage over sellers. “I think it’s said a lot on the podcast, but I don’t think it can be stressed enough—finding a good realtor and starting that communication early absolutely made a huge difference.” – Antonio Highlights: • How six years of research led Antonio to fast-track his home purchase. • The biggest mistake first-time homebuyers make when researching online. • Why not all real estate advice applies to first-time buyers—beware of investor-focused content. • How Antonio went from months of planning to buying in days once he had the right team. • The surprising advantage he used to beat another buyer with a previous contract. • How he secured a home with only 10% down instead of waiting years for 20%. • The one negotiation tactic that saved him thousands on his home purchase. Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit 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!

David Sidoni sits down with Mark and Brian Mann, hosts of Raising Real Estate Standards, to discuss the current state of real estate, how the industry is shifting, and what first-time homebuyers need to know about working with the right professionals. In this episode, David welcomes Mark and Brian Mann, two seasoned real estate professionals dedicated to raising industry standards. They discuss why buyers should avoid “door openers” and seek real agents who prioritize long-term strategy over quick commissions. With real estate evolving, they break down how first-time homebuyers can protect themselves, why empathy and education matter, and what changes are reshaping the industry. Quote: “Do what you can to get into the market, because that first house is a catapult to a lot of options four, five, ten years down the road. The money you build in equity will give you and your family a lot of upward mobility that you will never get in just about any other investment.” – Mark Mann Highlights: • Why real estate standards are falling – and how buyers can find true professionals. • The “door opener” vs. the real estate strategist – how to tell the difference. • What buyers should look for beyond price and interest rates. • Why first-time homebuyers should focus on long-term financial growth. • Are part-time agents disappearing? The future of real estate professionals. • What first-time buyers need to know about industry changes in 2025. • How the Mann brothers are pushing for better real estate service and transparency. Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit 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!

Mortgage rates are dropping, sellers are slashing prices, and pending home sales are hitting record lows. But what does it all mean for first-time homebuyers? In this episode, David dives into the latest housing market trends, breaking down what’s happening with inventory, interest rates, and buyer demand. Should you wait, or is now still the right time to jump in? The answer may surprise you. Quote: “A recession sounds scary, but guess what? It could actually be great news for first-time homebuyers. Why? Because when the economy slows, mortgage rates tend to drop—and that’s your opportunity to pounce.” Highlights: Is the market slowing down?Mortgage rates dipped—so what now?Sellers are cutting prices!The “window of opportunity” might be staying open longer.nventory is rising—but is it enough?Crash or correction?Two possible scenarios for 2025: Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit 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 your first home could not only pay for itself but also set you up for future wealth? That’s exactly what Chris did—buying a home at 20, collecting rent from his college roommates, and using real estate to skyrocket his credit, financial stability, and future businesses. In this episode, David Sidoni uncovers the strategies Chris used to turn his first home into a long-term investment, proving that homeownership isn’t just possible—it’s a game-changer. Quote “I didn’t have a lot of credit, but getting a mortgage payment on my record completely boosted me—like bonkers.” — Chris Highlights • What if buying a home was possible sooner than you thought? • Could your mortgage actually boost your credit? • Is renting really “safer”? • How can you buy with little to no money down? • Can you use your first home to buy another? • Are college rentals a hidden investment goldmine? • What’s next for homebuyers in 2025? Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit 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!

BiggerPockets’ Dave Meyer joins David Sidoni to bust myths about real estate, revealing strategies that make homeownership possible—even in expensive markets. Whether you’re feeling stuck in the rent cycle, overwhelmed by mortgage jargon, or just unsure if buying is for you, this episode breaks it all down with simple, data-driven insights. Quote: “If you buy one rental every three to four years, you can set yourself up for financial freedom—without needing a thousand doors.” – Dave Meyer Highlights: • What if you could buy a home with just 3.5% down? Dave Meyer explains how FHA loans and other financing options can help you skip the 20% myth. • Is renting really better than buying? The truth about long-term wealth-building through real estate—and why time in the market beats timing the market. • Could house hacking make homeownership affordable? Discover how living in a multi-unit or renting out a room can slash your mortgage payments. • What’s the biggest mistake first-time buyers make? Hint: It’s not just about the down payment—it’s about understanding appreciation, cash flow, and tax benefits. • Are you overestimating how many properties you need? Forget social media hype—owning just a few rentals can set you up for long-term financial success. • Do real estate “gurus” get it wrong? Dave calls out common misconceptions (looking at you, Grant Cardone and Robert Kiyosaki). • Is it too late to buy? Market cycles fluctuate, but historical data proves that real estate remains one of the most reliable ways to build wealth. Connect with me to find a trusted realtor in your area or to answer your burning questions! Visit BiggerPockets to learn more about the tools and resources Dave mentioned! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit 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 freaking people out—but that’s exactly why it might be your best shot to buy a home! Most buyers are too scared to jump in, but that hesitation means huge opportunities for first-time buyers who know where to look. In this episode, learn why 2025 could be the perfect time to buy, how to tap into free money for your down payment, and the biggest traps to avoid. If you’re tired of feeling stuck, this is your wake-up call. Quote: “When you’re prepared, you don’t just jump on an opportunity—you jump in with options. And that’s how you win.” Highlights: • Is now really the right time to buy? Why high inventory and low competition could be the best setup for first-time buyers in years. • Could you get up to $50K in free money? New down payment assistance programs might help you buy sooner than you thought. • Renting vs. Buying – The real math. Why your rent check might be keeping you stuck when you could be building wealth instead. • Homebuilders are getting desperate. How their need to sell could score you a lower interest rate, big incentives, and hidden discounts. • Most real estate agents aren’t selling homes. What this means for you—and how to find an agent who actually knows what they’re doing. • Beware of builder traps. The sneaky tricks new construction companies use to lock you in without proper representation. Referenced Episodes: • Episode 279 – Resale vs. New Homes: Which One’s Right for You? • Episode 260 – How Patrick & Alex Got a Killer Deal on a New Build • Episode 256 – Jelly’s Story: Builder Incentives, Big Savings Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit 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!

Worried that an appraisal issue or a non-traditional career path (like still being a grad student) makes homeownership impossible? In this episode, David Sidoni chats with Declan and Bailey—new homeowners who once believed buying was “only for the rich”—to reveal how down payment assistance, flexible financing options, and the right support team can help first-time buyers find stability faster than they ever imagined. Quote: “I always thought buying a home was only for the super-rich, but here we are—homeowners with just 3% down!” - Bailey Highlights: Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit 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 the window of opportunity for first-time homebuyers finally here? David Sidoni reveals why February 2025 presents a unique moment in the market, with increased inventory and less competition than seen in the past five years. Quote: "According to Zillow and their market Heat index, home buyers had more leverage than they've ever had in the past five years." Highlights: Referenced Episodes: FED RATE CUT 4- PART SERIES Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit 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! Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit 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!

Ready for the final step in your homebuying journey? Step 10 reveals why even the most well-meaning advice from experienced homeowners could derail your 2025 house hunt - and shows you exactly where to find the current market insights you actually need. Quote: "Your best play is more time in the market, not trying to time the market." - David Sidoni Episode Highlights: Referenced Episodes: Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Channel @HowToBuyaHome Instagram @HowtoBuyAHomePodcast Tik Tok @HowToBuyAHome Visit 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!