In this episode, Ruth shifts gears to dive deep into the spring real estate market from the buyer's perspective! Joined by special guest Joe Leone from GRB Bank, they share expert strategies for navigating homeownership, financing, and finding the right loan. Whether you're a first-time buyer or looking to build long-term wealth, strategic planning is crucial for a smooth and successful experience. Tune in to discover the "Burnt Toast Theory" of real estate, the truth about the homeownership wealth gap, and insider financing secrets—including details on a new $12,000 buyer grant program. Don't miss out on these invaluable insights!