How to Buy a Home

Ep 65 - Where Do I Start, What’s An HOA, When Can I Get Down Payment Help, Who Is The Best Lender, And Why Is This So Confusing?

How do you buy your first home? When can you get down payment help? These are questions that first time homebuyers wrestle with. In this episode, David Sidoni guides you, so you won't get lost in the labyrinth of convoluted information, as each new piece of information has a new term that leads to more questions. You may wallow in confusion conundrum or the who, what, when, where, and why. Do not fret – your answers are right here, ready to be inserted into your earholes. Tune in!

Ep 64 - Credit Tips For First Time Home Buyers From Jeanne Kelly, A Nationally Recognized Expert In Credit And FICO Credit Score

Are you a first-time buyer who would like to raise your credit score? Then, you’re in the right episode! Join credit pro Jeanne Kelly, an author, speaker, and general queen of all things credit, as she talks to host David Sidoni about tips to help you improve your credit score so you can get the best deal when looking to buy your first home. Sure, money is essential when buying your first home, but so is your credit since you're probably going to ask for a loan to buy that place. And those banks LOVE to give you money for a better rate when your FICO credit score assures them they will get paid back. So tune in to live your dream!

Ep. 63 - FISBOs And Zillow Zestimates - Why They Both Suck For First Time Home Buyers

First time home buying can be massively confusing, so trying to buy a home yourself from an owner in a for sale by owner (FSBO) situation has lots of dangerous potential for a buyer who’s new to the game. And if you're thinking Zillow Zestimates will help you determine how much you should pay for a home, Zillow's own website tells you how inaccurate their own Zestimates truly are. In this episode, David Sidoni tells you why they are so often very wrong. Join in to learn some important dos and don'ts for first time home buyers!

Ep. 62 - 2021 Recap And 2022’s Forecast - Plus, First Time Home Buyer Fundamentals

2021 was a wild ride in the housing market. Post-pandemic buying frenzy, with the lowest mortgage interest rates of all time, created bidding wars and shocking home price appreciation. This episode does a deep dive on the numbers, plus predictions for 2022 and beyond. And we even jump back to some first time home buyer fundamentals, just to be sure we all stay on target.

Ep. 61 - More FICO Fun - Some Good News, For Once, About Credit Scores - And More Credit Hacks!

The higher your credit score, the less that you have to pay. If you have a low score, then David Sidoni has some great news for you! There is a new program that is FINALLY going to count your rental history as a POSITIVE on your credit score. Right now, you only get your missed payments counted on your score, and that’s not good. But if you have paid in good standing, the credit beauteous are finally going to acknowledge your time adulting, up to two years’ worth. Listen for that info, and more on FICO score hacks and planning to buy your first home.

Ep 60 - Tips for First Time Home Buyers to Buy at the End of the Year

2021 changed the norm in housing availability during the holiday season. The housing supply increased by a lot, and David Sidoni, our host, enumerates the reason behind this. He also discussed topics that can help us, especially if you are looking for a home. We have annual seasonal trends that could help you out either this holiday season or maybe 2022 or 2023, tips on how to buy in a competitive market, and lastly, the secret and amazing down payment assistance program. Stay tuned to learn more and leverage this information and newfound knowledge.

Ep 59 - Fun Facts – Random Listener Questions For First Time Home Buyers At All Levels

It's Halloween and instead of giving you bite-sized candy, your host David Sidoni is going to give you bite-sized FUN FACTS about buying your first home. Learn why credit score matters, what a bridge loan is, or why apps shouldn't be trusted. Join David as he gives some stories and important lessons on why buying a house is all about timing. Find your own very special realtor unicorn out there to help you with all your troubles. Listen to this episode for all the fun facts and avoid all the spooky scary parts of buying your first home.

Ep 58 - How To Use Your Retirement Savings To Buy Your First Home The SAFE Way, And Deep Random Thoughts

Some people regard their retirement savings as their holy grail. What if you can diversify that by buying a house? Yes, touching your retirement or funneling away from your retirement savings plan can be terrifying and a non-starter for many people. But your host David Sidoni promises you that if you listen to this episode, you will find MORE smart ways to save safely for your retirement. You don't know what you don't know. Also, listen in as David answers some listener questions and gives some random thoughts. Diversify your retirement savings today!

Ep 57 - It Will Cost You Much More To Wait For Things To Cool Down

In 2021, you already lost waiting to see if you buy your first home. Prices have been going up and homes have been appreciating since 2012, and in 2021, prices will have gone up 10-13% on average. So you just figured this out and assume a drop is coming, and you're going keep waiting. For many of you, bad move. Listen to the details on how this historic run will likely be more historic and you should get some piece of it, instead of waiting and spending money on rent.

Ep. 56 - The Advanced Hack to Raise Your Credit Score and Get Extra Cash for Your Down Payment

You may be in doubt to push through your plan of buying your first home. But you just have to research and realize that the rent you’re paying now is already slowing things down for you. Take action now and listen to this episode to learn how to balance debt and savings! This can be a HUGE help for some first time home buyers. It's a more advanced financial formula that helps first time buyers raise their credit scores quickly, and get more money for their down payment. It's a simple tactic taking advantage of the personal loan market to help get buyers able to purchase now. If you realize that you are years away from doing it on your own and you'd be spending tens of thousands of dollars in rent while you try to reduce your debt and save for a down payment, this hack may be your answer.