Podcast

Ep 103 – Lessons For Home Buyers Of Any Age With An Interview With A 59 ½ Year-Old First-Time Home Buyer

HBH 103 | Lessons For Home Buyers

HBH 103 | Lessons For Home Buyers

 

Cynthia realized she had been renting for way too long, so she did the research, found a team, and bought a home in the cold of Chicago in 2022! How is that even possible??? Hear it straight from a buyer like you and get real-life tips from someone who’s been through it.

Lessons For Home Buyers Of Any Age With An Interview With A 59 ½ Year-Old First-Time Home Buyer

Listener Interview Success Story

There are some Boomers and Gen X people that you don’t have to clap back out with, “Okay, Boomer.” There are people of other ages who feel the same way that you do. Cynthia is 59 and a half and this is an interview with her. She thought she could never buy a home. Does that sound familiar? She lives like a Millennial. She travels. She’s single. She drinks wine. She loves her music. She eats organic food and has been changing careers her entire life. How did she buy a home? Let’s find out.

What is happening in my How to Buy a Homies? This is a great interview and it’s got tons of life lessons and things for buyers of any age. Cynthia is going to tell you her story. You’re going to learn tips and tricks and scary things that you want to avoid. All of that comes from her story. Read close and you’re going to learn real-life lessons on these topics.

Staying within your budget and being able to sleep at night when you find out what your new payment’s going to be. Learn the truth about those first-time buyer seminars brought to you by local realtors and local lenders. How can you do this on your own, not having to wait for an inheritance that might not come for a lot of years? Cynthia’s dad’s 90 and still kicking.

You’re going to learn about Cynthia researching and educating herself to help block out the haters. All the other boomer friends she had out there were telling her not to touch her retirement. She figured out that even at 59 and a half years old, she ran the numbers for herself. Instead of listening to everybody else and their old fearful philosophies, she saw the long-term benefits of diversifying her portfolio. You’re also going to hear about finding a comparable monthly payment close to rent payment on a $221,000 home that’s going to work for her for the rest of her life. The home and the payment.

You’re going to hear about working with our own realtor and lender that got referred to her by her friend and double-checking that she was in good hands by getting educated from the show to ensure she had a unicorn team that she could lean on for experience, caring and advice. We’re going to hear about buying in hipster neighborhoods where they have shops to do mustache waxing. We’re also going to find some interesting tidbits about HOA assessments and reserves. That’s important stuff.

Answer to the question, how many homes do you need to see before you know? How do you fight through the low inventory market that’s happening now? How do you shop in the wintertime when it’s freezing outside? Once you do figure it out, how do you know that you’re comfortable and making sure that this purchase is right for you and understanding how not to be house poor? Some of the things she talks about is possibly having to adjust your wish list a little bit because we’ve got a rising market with rising interest rates.

To get your foot in the door, sometimes you might have to use the C-word, do a little bit of compromise. If you’re not comfortable, you’re also going to hear a story about backing out of a deal. Finally, she talks about using the show to stay energized, enthusiastic and getting inspired to help her through the tough times. It’s time to hear straight from a buyer like you who’s been through this experience. You can get real-life tips from an actual real person who’s been through it.

This is very exciting. This is my friend, Cynthia. She’s more in my age demographic than yours. Most of you, probably. We’ve got a great partnership with these shows called City Casts that are all over the country. This was the City Cast in Chicago, right, Cynthia?

Yes. I happen to hear.

You heard the advertisement and you’ve been thinking about this for quite a long time, right?

Yes. I have always thought I could never buy a home myself. I’m almost 60 years old and I thought it was beyond my financial capacity. I can explain why if you want me to.

It’s interesting because a lot of people seem to think that when they’re in their twenties that they don’t have enough of their life together and they want to do things and want to travel. I know that you’ve lived all over the place, including all over the world. Tell us your story on why you never ended up buying a home but decided to do it now.

What happened was when I was younger, I was always told that you had to have like $50,000 or something like that saved up. Even $15,000 seemed insurmountable to me. I’ve always worked editorial jobs. I never made a lot of money. Even though I’m well-educated and I consider myself a professional, I’ve always lived hand to mouth, waiting for the next paycheck.

It happens in the world with academia. It happens when you’re smart.

Also, I took time out. In my 30s, I went to grad school. In my 40s, I moved to Spain for a while. In my 50s, I went into a new field called content strategy, in which most of the work I found was contract. It wasn’t like a steady job with full-time benefits. It was hourly without paid vacation or health insurance. I always felt that I would never be able to get a mortgage. At two different times in my life, I went to how to buy a home seminar that was led by realtors and they were free and everything.

Both times I came away very discouraged like, “You don’t have enough money. You won’t be able to get a mortgage.” I hate to say this, but I think I’m going to be very honest and tell you that I figured I wouldn’t be able to buy a place while my parents were alive. The only way I’ll be able to apply is if they leave me some money, which is terrible. My mom passed and my dad’s still alive, but he didn’t give me any money when she passed. I’m not going to be like waiting for him to die.

I think probably other people can relate to that, feeling like there’s nothing in the bank. Meanwhile, all these years, I have had an IRA building up. It’s not a lot of money. As I said, I’m almost 60. I am not in a position where I could retire soon, but hopefully, I’ll continue to work for a while. I’ll build it some more then if I do get a chance to retire, my health allows me to retire, I will have more by then, but in the meantime, I’m still healthy and I’m planning on working.

What happened was, finally, after many years of freelancing in this new field, I was offered a full-time job with benefits and I took it. The pandemic ended up helping me because I got a job in a different city. They told me, “Before the pandemic, we would have never considered hiring a full-time remote worker, but it’s been working out so well with remote work that we would be willing to offer you a job even though you don’t even live in the same time zone.” They’re on East Coast time. I’m on Central. As soon as I started thinking and the wheels started to turn. I wonder if I could get a mortgage now. The thing is, I’ve been in my apartment for many years. I was always very jealous when I heard about people buying.

If you're renting for whatever the rent is in your area, it's not about if you can buy a home; it's when. Click To Tweet

During the pandemic, I knew that the house search was tight. The housing market was tight, but I think it was people wanting to move to the suburbs, not so much people in the city. People want to move to the suburbs to be spread out. Later on, I did find out that it was the city, too, but that was after I started searching. Anyway, I happened to know a former neighbor of mine. I’d met her realtor friends socially. I asked her if she knew anybody like a mortgage broker who could tell me if I could qualify for a mortgage. The mortgage brokers saw my financial statements, my W-4s and what I had in the bank for my IRA and what I had saved.

One thing I forgot to mention. Before I became full-time, I was working at a freelance job where I was hourly, but I was highly paid hourly, so I socked the money away. I never thought this was going to go toward a down payment. What I did think was, “You could be out of work again,” because that’s how my employment situation has been. It’s been like, “Get highly paid for 6 months, then be out of work for 3.” I was able to save $20,000 in a year. I didn’t go out. I didn’t spend. I don’t own a car. I lead a pretty modest life and I don’t even have cable TV but I do have some amenities. I like wine. I like music.

It’s not like I live a monastic life. I go and buy organic produce and things. My point is I wasn’t living on ramen noodles. I know you’ve talked about like people and the macaroni and cheese out of a box for a year. I did okay. I put this money away. I talked to the mortgage broker and they saw my financials. I said, “I’ll put $50,000 down,” because by then, I had decided that I was going to take my savings.

I was also going to take some money out of my retirement because this is a solid thing. I’m not taking it out to buy a car. I’m taking it out to buy a home. It’s equity. At that time, the mortgage rates were still low. They said, “We can get you a mortgage for 2.4%, 2.5% if you’re going to put $40,000 or $50,000 down.” It sounded great and I started looking. That’s how it began.

There are so many things to unpack out of that. First of all, you need to know that you’re living a Millennial-Gen Z life. When you said monastic, not even close, you don’t have a car. You traveled in your 20s and 30s a lot. You don’t have cable. Guess what, Cynthia? None of the kids do either and you’re drinking wine. I told you when we first contacted that you are a free spirit and I liked you, but you’re more young at heart than you think you are. It’s fantastic.

You brought up so many things, the travel. I tell the younger people that I did an entire episode about how I would have bought a home in my twenties if I had a time machine and told myself what to do. The market would have gone down, but I still could have traveled and rented it out and be sitting here on 25 years’ worth of equity. That’s always an option. The other thing that was interesting is you brought up, and I appreciate you being vulnerable and saying about your parents, but in a funny way, 20, 30, even 40-year-olds, they’re in the same boat.

Maybe it doesn’t feel as close to them. They’re like, “I can’t ask my parents for money. They’re still funding their retirement or that money’s going to come to me later.” You’re an inspiration to help people figure out, “If I know I’m not getting a chunk of money now, what do I do?” You reached out to me after you went to those funds seminars. It’s so terrible because they make you feel like a number.

They’re basically casting a wide net, hoping that out of the 20 people that show up, 3 or 4 of them are ready to buy this weekend. I always laugh because it’s like, “We’re going to tell you how to buy a home if you have the money and you can buy it now.” They don’t give you the plan. You reached out to me in January. You told me your whole story and all of a sudden, I got the email and you are sitting in your home now, correct?

It is a condo. It’s not a house, but it’s mine.

It’s still a home and it’s yours. The remote thing worked out for you. First of all, kudos for being one of those people who, at 50, started a career. That’s amazing. I tell everyone all the time, I’m like, “You’re young. It’s going to change 3 or 4 times.” Now, you’re in a condo using your retirement and now you can use this as stability for you. You reached out to me in January. What has happened since then? You got this little team of people that you felt very comfortable with, then tell us your journey.

I did work with my former neighbor’s realtor friend. She was very nice and also seemed to be pretty knowledgeable. In the first place we went, she asked about reserves. I didn’t know what reserves were. It’s the fund that the building has to pay for common things like if the roof needs to be replaced. It affects everyone in the building.

HBH 103 | Lessons For Home Buyers
Lessons For Home Buyers: Sometimes, you have to make compromises and adjustments when you buy a home.

 

For the audience out there, the HOAs have an account. If you’re paying $200 or $300 a month in HOAs, if they suddenly have to fix the roof and they don’t have any money for it, the next thing you know, you get every condo owner’s worst word, an assessment. Suddenly, they say, “We need $5,000 from everybody.” Checking the reserves is a huge part of making sure that they’ve got their budget right. Great. You found someone who knew what they were doing. You’d been listening to show, so you knew what to look for when you’re looking for an agent. Keep going.

Unfortunately, between the first few places I saw in October and November where I wasn’t ready yet, in every place I saw, there was something wrong and the neighborhood wasn’t right. There were things. I think I wasn’t ready. I needed to see a whole bunch. I ended up seeing twenty. What happened was then, in December and in January, there was nothing on the market in the middle of the winter. I live in Chicago. It’s cold. I was told by my real estate agent that the market here officially kicks off the day after the Super Bowl, which is like at the beginning of February.

I can’t believe that. I used to tell people at the beginning of my career that it was the second week of January. Over the last few years, I’m in California and I’ve heard that from all my unicorns where people care about football and stuff, that it’s after the Super Bowl. It has a lot to do with the weather as well. Even though February’s freezing, people don’t put it up. That’s so crazy. After the Super Bowl, you got busy. I think we talked on January 28th, right before the Super Bowl.

I think what happened was I was starting to get scared because there was nothing on the market and there had been things on the market. My realtor changed. In the beginning, she was all positive, then she was like, “It’s a seller’s market. You’re going to have to either change the neighborhood you’re looking for or the amount of space you want or the amount you’re willing to pay per month. Those are the factors you can control. Everything else you can’t control like the market.” I started hearing how it’s a seller’s market. People are paying over the offer. They’re putting an extra $15,000 and the mortgage rates went up. Whereas before, they had told me it would be 2.5% and now, it was like 5%.

I got scared. Also, I knew I had to move out of my place because my landlord wanted to rehab the apartment. I was the last unit in the rental building that hadn’t been renovated. They tried to get me into another apartment and I would have paid more. I’m like, “No, I’m going to wait until I’m ready to go.” My lease was up on August 1st. I started to panic. What happened was my journey led me to a different neighborhood than I originally thought. At first, my realtor and I were looking in the neighborhoods that were somewhat nearby, then I wanted to live in a trendier neighborhood called Logan Square, which is further South in Chicago.

I don’t know if it’s closer to downtown because it’s further West, but it has all these cute boutiques and hipster neighborhoods. You see places where guys can get their mustaches waxed. It’s a very like exotic tea. It’s not your working-class barbershop that people have been there for 50 years. It’s in the midst of gentrification and their neighborhood’s cute. I did look at things there and they were expensive. More than I thought I could pay. My realtor was nudging me to go up a little bit, like another $10,000, another $20,000.

I think I told you this. I made an offer on a place that was $100,000 more than I originally planned to spend. My offer was accepted because we paid an extra $16,000 to make the offer good. My realtor had me speak to a real estate lawyer to make sure everything was okay. He asked me, “Are you going to be able to sleep at night in this place or are you going to be worrying about money?” I said, “I’m going to be worrying about money. Isn’t that normal?” He’s like, “No. You might want to give this a second thought.”

As soon as he said that, I knew I had to back out of it. It was the first five days after the initial offer. It wasn’t like I was backing out in the middle of everything, the wheels were moving. It was still the very beginning. I came home and I knew immediately what to do. I might’ve talked it over with 1 or 2 people, then I called the realtor and I said, “I can’t do this. It’s way more.” The whole thing, in the beginning, was it wouldn’t have been that much more than I was paying in rent. That’s why it was appealing to me because it would be like an extra maybe $500 more per month, which is not that much. It’s $250 per paycheck if you get paid twice a month.

It’s not like I was going to be like, “How am I going to pay for toilet paper this month?” I was so afraid if I had taken that other place, I wouldn’t have any money to decorate. I wouldn’t have any money to make the place nice. Also, it had 2 beds and 2 baths. I didn’t need that second bath. It would’ve been nice when people come over, but I just wanted 2 beds because 1 bed would become the room I’m in now, which is an office/guest room, but 1 bathroom and 1 kitchen are fine. This place has a little bit of a back deck, which in Chicago, people make into their little garden.

They put chairs and sometimes plants. Even though we don’t have the same weather as you guys, where it’s nice all year, people do make the most of the warm months here. I am so glad that I backed out of that other place and then we looked at five more places. I should also mention that at some point, I realized, “I’m not going to be able to afford a place in Logan Square.”

I started to expand to where I would consider living. Finally, when I did that, this place came up. It had everything I was looking for. It wasn’t the most glamorous neighborhood. There’s no coffee shop. It’s like auto body stores around the corner, but there is a plant store a few blocks away, so my fake Millennial credentials. I like plants. It’s near public transit. It’s dog-friendly and I have two of them.

You have to be comfortable with the neighborhood and be able to adjust to things changing in the neighborhood. Click To Tweet

That was a big deal moving out of your rental. I remember we discussed that. You were seeing rents increase and realizing that if you could get something close to your rent, it was great for you to be able to because, as an owner, most condo places are going to be okay with dogs. They have much less restrictive breed restrictions than you would with a landlord who can make up their own rules.

I have to say that during the times when there was very little on the market over the winter and I was getting scared, your show gave me so much hope. Your energy was so nice. I would listen to it when I needed a shot of adrenaline. When I was going to go out with my real estate agent and look at five places, I was like, “What if none of them are right?” I would listen first and I would get excited again about what I was doing. It made me feel better, like there was hope.

I tell people all the time if you’re renting for whatever the rent is in your area, it’s not about if you can buy a home. It’s when. There are so many things about it. You weren’t necessarily thinking about this for many years. It would have been different every single time. What’s hysterical is you got started at the end of a perfect era, November, December of 2021.

Everybody knows every December, the market slows down. In your cold areas, it slows down in January. That has to do with the holidays. Starting Thanksgiving in America, a lot of people stop listing their houses. They’re entertaining people. They’re getting the house ready. It just stops. Nobody wants to show homes at that time.

In January, it’s freezing a lot of places. That’s why we go after the Super Bowl. I’ve been telling everyone, “January 2022 was the lowest inventory in history.” That was when you happen to be like, “Where are all the houses?” I say on the show, it’s the C-word. You’re going to have to compromise and figure it out.

You had to adjust not just to your budget but to what was happening in January 2022 when you were out there. I think one of the audience told me that in 2022, there will be three P’s. It’s patience, persistence and perseverance. I’m trying to make sure I give everyone those adrenaline shots. That’s awesome to hear. How neat of your attorney and that you had a strong team to help give you the vision.

I am so grateful that I talked to him because it was a nice place, but my realtor was more excited about it than I was. The first thing I said to her when she called me to say we got the offer, I said the F-word, foreclosure. I said, “What’s going to happen if I have to foreclose?” She goes, “You sell it.” That was all I could think of. I wasn’t excited. I was afraid. I knew I was going to be stretched to the max. I need to have some money to do other things besides pay for a mortgage. It’s not worth it. Also, the place where this was wasn’t that great of a neighborhood either. It wasn’t that far from the expressway and you could hear the traffic. I was like, “Why should I pay $100,000 more for this?”

It’s interesting because you were talking about $500 a month being enough for you to be comfortable and $100,000 with the rates nowadays, that’s about $600, $650 for everything, for principal, interest taxes and insurance. Now, instead of paying $500 more, you’re paying $1,100 or $1,200 more than you’re used to. That’s why taking it all in, discovering everything, discovering all the other neighborhoods, you go big and you narrow down to where you want to be. Now you’re here and you’re comfortable.

The lawyer said, “There’s no guarantee Texas will stay as they are. They’re probably going to go up and the HOA fee is going to go up. The monthly assessment is also going to go up.” You’re not even going to be paying $2,100 a month. It’s going to be more. Even though, over time, I knew that the mortgage part would go down, I still couldn’t. I still was like, “No, there’s no way. I won’t be able to buy toothpaste. Forget it.”

Especially the younger people who are reading or who are thinking about this, realize that Cynthia went through years of renting. I did the same thing for over a decade. I hate to be this guy and don’t you dare call me a Boomer, the audience out there, but you can learn from us. Everybody on the internet, on social media talking to you guys, is another Millennial or Gen Z real estate agent who got their license. They’ve been renting as long as you have and they have no idea.

What we can tell you is when you get there, get comfortable and you’re going to let it grow. It’s very interesting. You were talking about your work status and how that was holding you back for a little while. It is true. What I tell people all the time is, “I don’t have health benefits. I’m a 1099 guy and all of us realtors are too.” I don’t want people to let them think that has to be a stop-gap, an obstacle for you. I was going to say stepping stone, but it’s the exact opposite.

HBH 103 | Lessons For Home Buyers
Lessons For Home Buyers: If you have a creative job or in an industry where you don’t have a regular job with benefits, that doesn’t mean you can’t have a good quality of life.

 

Stumbling block or obstacle.

Thank you. I do words for a living. For you, there was that time period where you were up and down. If I had started the show 10 or 15 years ago when podcasts first started, then maybe we would have found each other because one of the things I tell people is it does go as an average. If you’ve been a 1099 or a self-employed person or an hourly person, if over the last few years you make the right average, they can approve you like they can approve when you got your stable complete salary job. Now, here you are in your condo in Chicago.

Thanks again, City Cast, for getting my Chicago people in here. That’s awesome. I’m so glad that you got your pumps of adrenaline. For all those young little whippersnappers out there who are getting ready to do this, what would you tell them? What do we grown-ups tell them about things to look for, things to avoid, things to do, things to not do? Give us your best hits.

I would say, for me, what’s important and what made this the right time was that I was paying for it myself. No one else was helping me. I happen to be single, so I didn’t have a partner that was going to help me. I knew I could do it, though. That was important to believe. Even if I lost my job tomorrow, I could be out of work for a while and still be able to make the bills and pay. That was a big thing.

I would say the other thing that I learned on my journey was that I did make a lot of compromises and adjustments. Places that, in the beginning, neighborhoods that I looked down on, now I’m glad I’m in a working-class neighborhood. Before, I lived around the corner from the Lycée Français and there were children being trained to speak French. Their parents are dropping them off in Teslas.

Now, I live near a public school and most of the kids speak Spanish. I’m happy here. I don’t feel like I don’t have to live in a hipster neighborhood. It could change. There’s some gentrification, but I like the fact that I didn’t pay through the nose to live in a place that’s already been gentrified. I’m willing to live in a place that I wouldn’t say it’s edgy. It’s not edgy. I feel safe here. There were trees and that’s what I wanted. I didn’t want to be on all pavement.

I would say you got to be comfortable with the neighborhood and you got to be able to adjust to things changing in the neighborhood if it does change demographically because, in Chicago, things are changing all the time in this city. It’s probably like that in most places. I would say the other thing was just because I had never owned before, I did know a lot about finances and real estate.

People told me, “Don’t take the money out of your retirement,” but I felt like I was not taking my whole retirement. I’m not financing the whole thing. It’s just $40,000 of it. Also, it’s going to something like equity. It’s not going to a new car. It’s not going for a vacation. Due to my age, I was 59 and a half. There was no penalty. I felt like I bought it without doing something terrible to my finance, without taking a big hit. Everybody’s retirement portfolio is down now. I would say to people, “If you have a creative job, if you’re in an industry where you don’t have a regular job with benefits, that doesn’t mean you can’t have a good quality of life.”

You could find retirement in other ways, just the fact that you were being creative enough to realize the equity of your house. I can’t tell you how many adults of my first-time buyer clients, my friend’s parents, that when we get to that point when they sell their house if they’re moving to Oregon or Florida or Arizona or whatever, that nest egg there is a large part of retirement, if not more than 401(k)s and IRAs or stocks. All you did was diversify.

I understand some people are going to get their panties in a bunch when we talk to them about using their retirement. If Cynthia, at 59 and a half, figured out that, “I’m going to be freelancing and doing my work and I have a retirement there,” but you’re going to be around for a while, still paying rent for a long time and now you haven’t asked. You put $40,000 into an asset that is going to go down and go back up. You’re going to be in a great position. I love what you said about understanding the numbers. I do so many shows. On my wall, there is, “Believe,” like Ted Lasso with the numbers. If you’re comfortable with the numbers, then you can do it.

Obviously, you had enough of an understanding about it because when it got to the point when push came to shove, you realized, “Which is more important to me at this phase in my life? This hipster neighborhood or financial comfort?” As I said, I fell in love the first time that you wrote me an email. I said, “I love this lady.” You are your own hipster. I have a feeling you’re going to gentrify the neighborhood. Everyone’s going to come and want to see cool Cynthia and her dogs and her wine.

You have to buy when you're ready and bite the bullet. Click To Tweet

I got no tattoos.

I feel naked with my bare skin.

If I were born years later. That generation, the people born in the ‘70s, were the Gen X, the tattoo people, but nobody was getting tattooed when I was a kid except the old guys and the sailors.

Sailors and bikers. That was it. That’s fantastic. There are so many little nuggets in there and it’s so wonderful to hear. For everybody who says, “I’m never going to be able to do this and I’m going to rent forever,” I think it’s amazing that you found this and set yourself up with something stable because you’re going to have 30, 40 years. How old is dad?

He’s 90.

Genetically, you’re going to have at least 30 or 40 more years of rent. Now, you’ve got an asset and still able to live your fun life. I’m so excited and so glad that you reached out.

Thank you for having me on. I hope anybody reading who thinks they can’t ever do it, I’m living proof that you can. It might be in a time that’s not the greatest market like me like I had, but I wasn’t going to let the markets discourage me. I was like, “I’ll be damned if I rent again. If I move out of this place to another rental because the market sucks, I’m going to buy no matter what,” and I did.

I would have bottled that. Put that on a t-shirt because it’s true. Interest rates will never be as low as they were in 2021 ever again.

You can. You just got to do it when you’re ready and bite the bullet. In all the feelings I’ve had since I moved in, there have been some frustrations with little things like the movers and whatnot, but I have never felt regret about doing it. I’ve never felt like, “This was such a mistake or what did I do to my finance?” I’m so happy.

It’s like what you said. You said some of your audience have said things like, “If only I’d done this sooner.” When I started to think like that, I realized, “I didn’t do it for a good reason. I was in an unstable financial situation or whatever or I was out of work for a year,” and things like that. I still believe that one day, I’m going to do this and I finally did it. It’s possible.

Thank you so much and have fun. The next time I come to my favorite city in the country, I’ll be coming to knock by to say hello to you and the dogs. Thanks again.

Thank you.

Still got those goose-pimples. I got to tell you, I am so inspired by Cynthia. She is amazing. I never guessed that when this whole thing started that my salty desire to expose the real estate industry for the crappy way that they treat first-time home buyers would create such a straight-up heartwarming and positive result. Not just for Cynthia but for people all over the country. When it comes down to it, first-time home buyers need to know the truth. They need to realize that so much of the information out there they get is bogus, salesy or it’s just freaking wrong.

Help us spread the word. If you haven’t shared this with your friends and family who need to hear this, share the show now. Easy to do. You can text it right from your phone. Share it off. I always appreciate everyone out there rating the show. If you’ve got 94 seconds, I’d love you to write a quick review. Those words count a lot. That’s going to get the truth out there for other people who are confused about this entire process.

Follow me @DavidSidoni on Instagram for more tips. Check me out on TikTok @HowToBuyAHome if you want to see the goofy side of me. Don’t forget to check out the YouTube page at the How to Buy a Home podcast, full videos along with a whole bunch of bonus features, tips and hacks. The show’s for you. Check everything out. Get comfortable. Get educated. If you’re reading the show, jump around those titles, scroll through your phone and you can always explore Everything How to Buy a Home at the How to Buy a Home website. That’s www.HowToBuyAHome.com. That’s for you readers out there. You can read every show.

Cynthia thought that it was impossible. I’m not selling pipe dreams here and I’m not selling workshops and seminars to get myself rich, so you can go out and do something that people who’ve been doing for decades anyway. You can do this. Calling this a dream would be saying that this is something that’s unattainable, that’s not real. This is possible and Cynthia is living proof. With the right team, the right guidance and the right attitude, you can do this.

 

 Important Links

 

This podcast was started for YOU, to demystify things for first time home buyers, and help crush the confusion. After helping first timers for over 13 years, I knew there wasn’t t a lot of clear, tangible, useable information out there on the internet, so I started this podcast. Help me spread the word to other people just like you, dying for answers. Tell your friends, family, and perhaps that random neighbor you REALLY want to move out about How to Buy a Home! A really easy way is to hit the share button and text it to your friends. Go for it, help someone out. And if you’re not already a regular listener, subscribe and get constant updates on the market. If you are a regular and learned something, help me help others – give the show a quick review in Apple Podcasts or wherever you get your podcasts, or write a review on Spotify. Let’s change the way the real estate industry treats you first time buyers, one buyer at a time, starting with you – and make sure your favorite people don’t get screwed by going into this HUGE step blind and confused. Viva la Unicorn Revolution!

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Here More Episodes

Full list of Episodes Close Full list of Episodes Close Full list of Episodes Deciphering all the terms and vocabulary used in the home buying process can be daunting, so this episode breaks down things you need to know that start with the letter G & H. Are you a first-time home buyer that’s afraid …

Ep 105 – First Time Home Buyers Terms and Definitions from A-Z – “G & H” Read More »

Full list of Episodes Close Full list of Episodes Close Full list of Episodes Buying a home to live in is a goal for many people. It involves absolute thinking and a huge chunk of money, more than one should expect. Several factors should be included when planning to buy a house; this could be …

Ep 104 – Interview With A Single, Female First-Time Home Buyer Who Closed In 2022, Trying Since 2019 Read More »

Full list of Episodes Close Full list of Episodes Close Full list of Episodes Now that we’re already done with the terms and definitions from A to E, it’s time to proceed to the letter F. So many words you have never heard of when you try to buy a house. In this episode, David …

Ep 102 – First Time Home Buyer Terms And Definitions From A-Z – “F” Read More »

I hope you are getting your questions answered about this crazy process. I know there’s not a lot of clear information out there on the internet, so that’s why I started this podcast. To demystify the whole thing and get you first timers the help you deserve!  Help me spread the word to other people just like you, dying for answers. Tell your friends, family, and perhaps that random neighbor you REALLY want to move out about How to Buy a Home! A really easy way is to hit the share button and text it to your friends. Go for it, help someone out.  And if you’re not already a regular listener, please subscribe.  If you are a regular and learned something, help me help others – give the show a quick review in Apple Podcasts or wherever you get your podcasts. Let’s change the way the real estate industry treats you first time buyers one buyer at a time – and make sure your favorite people don’t get screwed by going into this HUGE step blind and confused.  Viva la Unicorn Revolution!

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