Is real estate still the smartest path to building lasting wealth and legacy — even in a high-rate, low-inventory market? Find out why now might be the most critical time to act.

In this episode of Legacy Leaders, guest host Josh Meyer sits down with Brad Hamblen, Branch Manager at Citywide Mortgage and Real Estate Investor. Together, they explore how homeownership and real estate investing build financial security and generational wealth, sharing valuable insights and practical tips for listeners. Brad draws from his extensive experience to discuss navigating high interest rates, low housing inventory, and creative financing solutions, offering actionable advice for first-time homebuyers, investors, and anyone serious about building their legacy. This episode is a must-listen for young professionals, families, and aspiring real estate investors, providing both knowledge and tools to navigate this important subject.

Key Takeaways:

● 🏠 Start Early with Real Estate: Buying your first home or investment property early dramatically impacts your long-term wealth and security.

● 💡 Affordability vs. Pre-Approval: Understand the critical difference — just because you qualify for a certain amount doesn't mean it's financially wise to spend it all.

● 📈 Creative Strategies for High Rates: Solutions like temporary rate buy-downs can help buyers manage payments and enter the market confidently.

● 🎖️ VA Loan Opportunities: Veterans have access to incredible benefits that many aren't fully utilizing — Brad explains how to maximize them.

● 🛠️ House Hacking and Legacy Planning: Real estate strategies like house hacking can lay the groundwork for a strong, enduring financial legacy for future generations.

Quotes from Brad Hamblen:

● "Pre-approval is not the same thing as affordability — you have to know what you’re really comfortable with paying every month."

● "They're not building any more $200,000 starter homes. If you can buy one, do it now."

● "Building generational wealth means creating options and freedom — and real estate is one of the best vehicles to do that."

🔗 Conclusion: Whether you're a first-time homebuyer, a veteran, or a future real estate investor, this conversation with Brad Hamblen gives you practical advice and inspiration to take action today and build a legacy that lasts.

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