Forget pre-quals and online rate shopping—this episode breaks down why discovery calls, custom strategies, and unicorn lender relationships are the real keys to homebuying success. In this first of a two-part conversation, David interviews unicorn lender Kelly Cort, who shares the most misunderstood truths about home loans—and how first-time buyers can stop wasting time online and start building a real plan. From rules vs. guidelines, to buying with debt, and even how your W-4 and tax strategy can raise your monthly affordability, this episode is packed with insight that could save buyers thousands.

Whether you’re afraid to “bother” a lender or just not sure when to start, this episode shows why early outreach and human strategy beat bots every time.

Quote:

“It’s not a bother. It’s a privilege. Allow us to be your guide in the journey.” — Kelly Cort, Episode 339

Highlights:

• What’s the difference between a pre-qualification and a discovery call?
• Why do so many buyers wait too long to talk to a lender—and how does it hurt them?
• What’s the real difference between a loan rule and a guideline—and how can it change your approval?
• Can you buy a home even with student debt or loans in forbearance?
• How can adjusting your W-4 and tax strategy increase your monthly affordability?
• Why do unicorn lenders view helping you early as an honor, not a hassle?

Referenced Episodes:

• Episode 19 – Financial Prep for Homeownership
• Episode 94 – Real Estate Terms & Definitions
• Episode 328 – 10 Real Action Steps for First-Time Buyers

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David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades 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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