What are the home-buying fees first-time buyers need to know? For military and veterans, you can put $0 for a down payment. But for the civilians, the minimum is often 3% down. Next, you’ll have to consider the earnest money or due diligence fee. It allows you to bail during the due diligence period. You should put down the max, 3% of the sales price. If you put anything lower, it shows that you got no skin in the game. Show the sellers you’re serious about buying the home. Want to know more? Yo...
Mar 22, 2022•31 min•Season 1Ep. 81
Every First Time Home Buyer has certain things they MUST know and should NEVER do, but what are they? Get the real scoop from David Sidoni on how you can customize your personal lists to help you in this gigantic decision. The goal is for you to feel confident, not confused and overwhelmed...and sometimes you need more than a few bullet points to get you there because not everything you see on the internet is correct and should be followed. Connect with me to find a trusted realtor i...
Mar 18, 2022•27 min•Season 1Ep. 80
With so much information out there, it can be very tough for first-time homebuyers to navigate between what works, what doesn't, and what to avoid. Here to crush the confusion, David Sidoni is back for another Q&A. First-time homebuyers are feeling even more confused and abused in 2022, so desperation sets in, and many of them are saying, "Screw this! Just get me a deal so I can get a home!" David gets right to it and answers questions about foreclosures, insider deals, and using your purcha...
Mar 15, 2022•47 min•Season 1Ep. 79
Holy $#!^!!! 2022 supply and demand is unreal, impossible, and totally illogical! It's time for a perspective check, because this inventory could DOUBLE tomorrow, and it would barely put a dent in the scarcity of homes for sale right now. So listen to today's episode as we discuss the current market state of houses or homes that was mainly impacted by the pandemic. If you are looking at buying your first place or home, learn how to do things right by staying tuned! Connect with me to find ...
Mar 11, 2022•38 min•Season 1Ep. 78
In today’s episode of How To Buy A Home, David Sidoni goes into versus talk with his listeners. You guys have questions, and they’ve got answers. Three often asked topics are broken down with pros and cons - and there is no ONE answer for everyone. Learn about newly built homes versus re-sale homes, 1099 versus W-2, and paying versus spending money. Listen in to find out which option works best for you. Connect with me to find a trusted realtor in your area or to answer your burning questi...
Mar 08, 2022•53 min•Season 1Ep. 77
Buying a house is easier said than done. It requires a lot of analysis, financially, mentally, and emotionally. In this episode, David Sidoni goes over an interview with a listener who sold a home in Indiana and bought a new home in San Francisco—one of the US' most expensive and competitive markets. He discusses buying a property cross country and shares some tips on how you can change jobs and still manage to get a home loan. Listen in as he talks about winning bidding wars in psycho-competiti...
Mar 04, 2022•36 min•Season 1Ep. 76
The 2022 housing market is moving FAST, and that means as a First Time Home Buyer...you best be ready! To prepare yourself, you need to understand the inspection red flags when looking for homes. Even if people may ask you to waive inspections, say no! You need to see the home for information purposes. Just make sure you have time to back out of the deal. Do you want more tips on red flags and on how to win a bidding war? Are you looking for the answer to the question - "is this pain in the butt...
Feb 18, 2022•36 min•Season 1Ep. 75
The housing market is INSANE in 2021 and early 2022, so it HAS to be a bubble ready to burst, right? This can't keep going like this, so it's gotta crash, right? Well....I don't want to be pollyanna, rainbows and puppies kinda guy who sounds like they are trying to sell you something that will always be worth more than you paid for it, but there is some pretty compelling data that says this is NOT like the last time, and the bubble may be more of a slow rolling train that will keep on trucking f...
Feb 11, 2022•24 min•Season 1Ep. 74
WARNING, WARNING...AGAIN! New stats and information that is CRUCIAL if you are trying to buy your first home in 2022. It ain't no picnic, so you need every tip, tool, technique, trick, and hack to make this happen for you. This episode explores how to win bidding wars, and how to choose a true professional for you. It all starts with the EARLY work, with a professional team helping you prepare months before you ever go look at homes, and then having them on your side when you enter the crazy auc...
Feb 08, 2022•27 min•Season 1Ep. 73
When should you pull your credit? This question is one of the many questions first-time buyers ask David Sidoni. David explains that if you want to buy a home someday, you need to get full loan approval with a credit poll today. It’s far better to do it now than to do it 30 days before you buy a home. The key is to prepare. Put the planning horse so far in front of the cart that the cart is back in the next county. Join the conversation to discover more answers to urgent questions from panicked ...
Feb 04, 2022•43 min•Season 1Ep. 72
If you think buying a home is a pipe dream for you and seem YEARS away, then listen to our 25-year-old guest. At 24, Randy was unemployed with no credit. When he asked his bank if he could get a home loan, they told him to call back in a year. Yup, they gave him no instruction...just don't bother us now and figure it out. Then he went online and called Zillow. Their sage advice? "Uh, no." So, Randy kept working and one day found the podcast. Two months later, we are doing this interview from his...
Feb 01, 2022•25 min•Season 1Ep. 71
WARNING WARNING! The 2021 housing market shot up like a rocket, and 2022 looks like we are on the same trajectory in just the first couple of weeks. So, the best time to equip yourself with the knowledge you need as a first-time homebuyer is now! What’s it going to be for the rest of the year? What are some action plans you can take? Listen here to get up-to-date information on what's happening and how you can take advantage of it, or plan for the future for your best strategies. Connect with me...
Jan 27, 2022•24 min•Season 1Ep. 70
Not all advice pertains to everyone, and when it comes to finances, especially buying a home, the opinions differ WILDLY. In this episode, David Sidoni discusses money left on the table and money lost due to the ultra-conservative and uber-safe wealth-building techniques from Dave Ramsey. This is NOT a super risky leverage advice podcast. This is an exploration of the new era of "safe" home buying in a world of super-low interest rates, rising prices, and bolting inflation. Debate is good. Conve...
Jan 25, 2022•1 hr 11 min•Season 1Ep. 69
2021 housing was BANANAS. So what the hell is gonna happen in 2022? If you’re a first time home buyer, you have to know what’s in store for you this year! Listen for a recap from the smartest minds in real estate regurgitated for you by David Sidoni. This is over an hour of REAL DATA and not just opinions and guesses. Take advantage of these data so that you can make the best decisions for you and your family in 2022. Connect with me to find a trusted realtor in your area or to answe...
Jan 13, 2022•1 hr 13 min•Season 1Ep. 68
Inflation! This might be the new thing that will freak us out at the end of 2022. Yes, inflation sucks, and it will affect our economy big time! The question is, what can you do about it? What SHOULD you do about it, especially if you’re thinking of buying your first home? Listen in as David Sidoni discusses what inflation is and how it affects buying your first home. Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube ...
Dec 23, 2021•29 min•Season 1Ep. 67
Shopping for the BEST DEAL is an art form! Gone are the days of driving to flea markets to scour the booths to find a hidden treasure. Now you can shop online and scour sites to find your perfect buy. Is it the same thing when you are shopping for the best home mortgage interest rate on your loan? Not exactly - lots of old adages here. You get what you pay for. Sometimes the best deals aren't deals at all. Don't be a sucka. Time to get your research on and find out how to get the best rate, prot...
Dec 14, 2021•48 min•Season 1Ep. 66
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! Connect...
Dec 07, 2021•46 min•Season 1Ep. 65
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 bank...
Nov 30, 2021•36 min•Season 1Ep. 64
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 do...
Nov 23, 2021•30 min•Season 1Ep. 63
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. Connect with me to find a trusted realtor in your area or to answer your burning questions! Subscribe to our YouTube Cha...
Nov 19, 2021•43 min•Season 1Ep. 62
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 ...
Nov 16, 2021•36 min•Season 1Ep. 61
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 mor...
Nov 09, 2021•45 min•Season 1Ep. 60
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 spoo...
Nov 03, 2021•45 min•Season 1Ep. 59
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 ...
Oct 29, 2021•47 min•Season 1Ep. 58
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. Connect with me to fi...
Oct 22, 2021•50 min•Season 1Ep. 57
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 taki...
Oct 19, 2021•42 min•Season 1Ep. 56
How the heck do you figure out how to buy a home in a city you have never lived in? In this episode, David Sidoni discusses how to move to another state. Remote working is one thing, but remote home buying can be filled with obstacles. Listen to the real-life story of how John and Adrienne, How-to- Buy-A-Home-listeners, figured out how to buy their first home in Portland while they were living in LA . If you want to learn how to move to another state, this episode's for you. Take o...
Oct 15, 2021•49 min•Season 1Ep. 55
You have to grab business opportunities that are available to you, whether you think it's hard or unattainable. Some of those are PMI, refinancing, and loan to value. How do these all work? In this episode, David Sidoni dives into an article about PMI and refinancing, telling tales of success stories from first-time buyers. However, this is not just an education on how they used PMI and refinancing techniques to drop hundreds of their payments; it's also a warning that these dream scenarios were...
Sep 14, 2021•21 min•Season 1Ep. 54
Can you really own your own home at 24? Check out David Sidoni's guest, a first-time homebuyer who dumped her landlord and bought her own place. Madison hated her landlord because the apartment she was living in was messy and dirty. Plus, she felt she was throwing away her money in the trash. If you're a homeowner, you can easily turn your mortgage into a killer investment. If you want to find a place you can call your own, this episode's for you. Tune in and dump your landlord! Connect with me ...
Sep 10, 2021•1 hr 3 min•Season 1Ep. 53
You may have experienced renting for far too long and end up missing out on different opportunities. Did you know that you could start the road to financial security much sooner and still live your own life? House hacks! New slang for some old tricks. If you are freaked out by the monthly payment of owning your place, here's a thought...don't pay it all. Renting all or part of your home can work, or buying a multi-unit home like a duplex or triplex might be the way to do it. Being a landlord isn...
Sep 07, 2021•39 min•Season 1Ep. 52
