Confused by rates, lenders, and online mortgage promises? These 10 questions cut through the noise and give first-time buyers real answers.

This episode tackles the most common questions first-time buyers ask about getting a mortgage—and busts some of the worst advice circulating online. David Sidoni answers 10 listener-submitted questions, covering everything from how to shop for a lender, whether your salary is high enough to start, and if online lenders are really the best deal. He also explains why so many loan officers are bailing on the industry in 2024—and what that means for your buying journey. Whether you're just starting to explore or knee-deep in loan estimates, this is a must-listen primer for smart mortgage decisions.

Quote: "There are people out there with no business trying to sell you a loan, let alone advise you on what your best fiscal move is for the next 30 years of your life."

Highlights:

• What can you really do to get a better mortgage rate?
• Should you talk to a lender or real estate agent first?
• How do you avoid being misled by online rate ads?
• Why high interest rates aren't the death of your homebuying dream
• The truth about PMI and whether you should try to avoid it
• How much income you need to start the process
• Why choosing your real estate team first changes everything

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This podcast was created for YOU - to cut through the confusion and empower you to buy your first home. Let's change how the real estate industry treats first-timers, one buyer at a time- starting with YOU!

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David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with over 18 years 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.

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