This podcast is all about helping first-time home buyers, so David Sidoni decided to talk to a real first-time home buyer who found their unicorn home through David’s unicorn team!

Sally and her husband were ready to purchase their first home in April 2022, just before the interest rates went wild. Learn how their unicorn team helped them navigate the crazy real estate waters, gave them an amazing experience and helped them realize their homeowner dreams.

Connect with me to find a trusted realtor in your area or to answer your burning questions!

Subscribe to our YouTube Channel @HowToBuyaHome

Instagram @HowtoBuyAHomePodcast

Tik Tok @HowToBuyAHome

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!

Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!

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.

Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Resources Mentioned:

https://www.howtobuyahome.com/services/find-a-realtor/ 

A good work ethic is a timeless principle, but the all-work-no-play mentality of the Boomer and Gen X generations is going out of style. Millennials and Gen Z find more value in a healthy work/life balance that prioritizes mental health and personal values.

Well, David Sidoni did some research (as he loves to do) and found studies that highlight the best places to live if you’re looking for a balanced and happy life in 2023. 

Looking at mental health, income, remote working prevalence, commute times, and health insurance, Midwest cities DOMINATED the lists for the best balances of these factors. Also, these cities had more affordable housing options for first-time buyers. Hmm… definitely worth thinking about. The top 10 cities had some of the shortest commute times, best air quality, best insurance coverages, a variety of recreation options, great affordability scores, and high mental health rankings.

Connect with me to find a trusted realtor in your area or to answer your burning questions!

Subscribe to our YouTube Channel @HowToBuyaHome

Instagram @HowtoBuyAHomePodcast

Tik Tok @HowToBuyAHome

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!

Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!

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.

Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Resources Mentioned:

https://www.zillow.com/research/10-best-metros-first-time-home-buyers-31855/ 

https://www.redfin.com/news/housing-market-predictions-2023/ 

https://www.rismedia.com/2023/01/23/top-cities-work-life-balance/ 

You thought that the last episode was the last one in David Sidoni’s 2023 housing market predictions series. PSYCHE. In this BONUS episode, he gives you some insight on how a recession could totally upend all the other predictions we’ve talked about so far. 

So, buckle your seatbelts because it’s going to be a wild ride. 

Connect with me to find a trusted realtor in your area or to answer your burning questions!

Subscribe to our YouTube Channel @HowToBuyaHome

Instagram @HowtoBuyAHomePodcast

Tik Tok @HowToBuyAHome

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!

Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!

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.

Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Resources Mentioned:

https://www.usatoday.com/story/money/personalfinance/real-estate/2022/12/15/housing-market-six-experts-2023-real-estate-industry/10881757002/ 

https://www.redfin.com/news/housing-market-predictions-2023/ 

https://www.bankrate.com/real-estate/housing-market-predictions-2023/ 

https://www.newsweek.com/will-house-prices-drop-2023-real-estate-experts-predictions-1761338 

https://www.marketwatch.com/story/house-prices-will-fall-in-2023-but-affordability-will-be-at-its-worst-since-1985-says-capital-economics-11668530061 

https://www.yahoo.com/now/heres-where-morgan-stanley-bets-154429100.html 

https://www.realtor.com/news/trends/2023-the-year-of-the-homebuyer-our-bold-predictions-on-home-prices-mortgage-rates-and-more/ 

https://www.housingwire.com/articles/the-red-hot-housing-market/ 

https://www.inman.com/2022/12/28/the-2023-housing-market-a-real-estate-reckoning-is-at-hand/

Here it is at long last: the final installment of David Sidoni’s 2023 housing market projection series. You’ve been waiting for it for a long time and now you don’t have to wait any longer. This episode is about PRICES. FINALLY! 

As usual, David is taking a look at the data and listening to the pros to give you his expert opinion on what you can expect in 2023 as a first-time home buyer. It’s time to take this series all the way home.

Connect with me to find a trusted realtor in your area or to answer your burning questions!

Subscribe to our YouTube Channel @HowToBuyaHome

Instagram @HowtoBuyAHomePodcast

Tik Tok @HowToBuyAHome

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!

Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!

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.

Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Resources Mentioned:

https://www.usatoday.com/story/money/personalfinance/real-estate/2022/12/15/housing-market-six-experts-2023-real-estate-industry/10881757002/ 

https://www.redfin.com/news/housing-market-predictions-2023/ 

https://www.bankrate.com/real-estate/housing-market-predictions-2023/ 

https://www.newsweek.com/will-house-prices-drop-2023-real-estate-experts-predictions-1761338 

https://www.marketwatch.com/story/house-prices-will-fall-in-2023-but-affordability-will-be-at-its-worst-since-1985-says-capital-economics-11668530061 

https://www.yahoo.com/now/heres-where-morgan-stanley-bets-154429100.html 

https://www.realtor.com/news/trends/2023-the-year-of-the-homebuyer-our-bold-predictions-on-home-prices-mortgage-rates-and-more/ 

https://www.housingwire.com/articles/the-red-hot-housing-market/ 

https://www.inman.com/2022/12/28/the-2023-housing-market-a-real-estate-reckoning-is-at-hand/

David Sidoni is back for part three in his 2023 housing predictions series. What’s on the menu for this episode? INVENTORY. Jump in and listen to David as he discusses how construction, prices, and supply & demand are all playing a role in this year’s outlook. Expert opinions, hard data, surveys… it’s all there and David leaves no stone unturned.

Connect with me to find a trusted realtor in your area or to answer your burning questions!

Subscribe to our YouTube Channel @HowToBuyaHome

Instagram @HowtoBuyAHomePodcast

Tik Tok @HowToBuyAHome

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!

Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!

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.

Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Resources Mentioned:

https://www.usatoday.com/story/money/personalfinance/real-estate/2022/12/15/housing-market-six-experts-2023-real-estate-industry/10881757002/ 

https://www.redfin.com/news/housing-market-predictions-2023/ 

 https://www.realtor.com/news/trends/2023-the-year-of-the-homebuyer-our-bold-predictions-on-home-prices-mortgage-rates-and-more/ 

https://www.inman.com/2022/12/28/the-2023-housing-market-a-real-estate-reckoning-is-at-hand/ 

https://www.bankrate.com/real-estate/housing-market-predictions-2023/ 

In 2022, everyone was SHOCKED when mortgage rates leapt from 3% to 7% in just half a year. The sudden increase left a lot of people scared, so the market began screeching to a halt by the end of 2022. Now, mortgage rates are still at 7%, but they may not stay there for long. 

In the second part of his multi-episode series, David Sidoni analyzes data and reports from industry experts to drop some truth bombs about mortgage rates in 2023. There’s a lot of opinions floating around out there about where mortgage rates could be by the end of this year, but David gives it to you straight. The bottom line? If you’re ready to buy a home, get prepared NOW.

Connect with me to find a trusted realtor in your area or to answer your burning questions!

Subscribe to our YouTube Channel @HowToBuyaHome

Instagram @HowtoBuyAHomePodcast

Tik Tok @HowToBuyAHome

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!

Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!

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.

Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Resources Mentioned:

https://www.usatoday.com/story/money/personalfinance/real-estate/2022/12/15/housing-market-six-experts-2023-real-estate-industry

Headlines are saying that this will be the year of the housing market crash. But are they saying that because it’s true, or just because they want you to read their content? 

In the first part of his multi-episode series, David Sidoni analyzes data and reports from industry experts to give you the real scoop on what 2023 holds for home buyers. Taking a look at rent, mortgage rates, home sales, prices and more, David bypasses the pessimism of the newspapers to tell you the truth: this year, the market will be getting back to normal instead of spiraling toward disaster.

Connect with me to find a trusted realtor in your area or to answer your burning questions!

Subscribe to our YouTube Channel @HowToBuyaHome

Instagram @HowtoBuyAHomePodcast

Tik Tok @HowToBuyAHome

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!

Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!

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.

Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Resources Mentioned:

https://www.bankrate.com/real-estate/housing-market-predictions-2023/ 

https://www.realtor.com/news/trends/2023-the-year-of-the-homebuyer-our-bold-predictions-on-home-prices-mortgage-rates-and-more/ 

https://www.inman.com/2022/12/28/the-2023-housing-market-a-real-estate-reckoning-is-at-hand/

A lot of people want to buy a house instead of a condo because they have always thought that condos depreciate. But did you know that condos are now selling faster than single-family homes? 

In this episode, David Sidoni is dropping some truth bombs and crushing the confusion around buying a condo vs. a house. The housing market is getting turned upside-down and things are happening in a way that we've never seen before. And whether you’re looking to buy a condo or a single-family house, remember, the goal is to stop renting as soon as possible. Hopefully, this episode will help you in making your plans for 2023.

Connect with me to find a trusted realtor in your area or to answer your burning questions!

Subscribe to our YouTube Channel @HowToBuyaHome

Instagram @HowtoBuyAHomePodcast

Tik Tok @HowToBuyAHome

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!

Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!

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.

Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Resources Mentioned:

Ep 98 - Time for A New Game Plan To Buy Your First Home – My Story

https://www.moneyunder30.com/

Who says you can’t purchase a home right out of college? David Sidoni believes first-time home buyers DON'T need two years on the job. In this episode, he shows you how this is possible. Find out how to buy your first home right out of college and NEVER pay rent. 

David shares how you can build your credit history when you’re young and get a bank to get you a loan. So skip those random Craigslist apartment roommates and all the mess that comes with it. Whether you’re fresh out of college or just venturing out to buy your first home, join this conversation and learn the tips you can use to make this goal come true. Plus, find out David’s special announcement!

Here are some power takeaways from today’s conversation:

Episode Highlights:

[05:52] How to Build Your Credit Score 

First, google the credit score pie chart to see how your credit score is calculated. On your 18th birthday, get a credit card or two IMMEDIATELY. We are a society where credit score matters. So get a card because you need years of history. This is the system we’re in and you have to understand how to play the game. Don’t rack up debt obviously. You're doing this just to get credit history since you understand how they work and you know how to handle it. Listen to episodes 3, 8, 56, 64, and 90 to learn all about credit and how to keep that score going up. 

[09:56] How a Bank Evaluates Your Ability to Get a Loan

The home loan is based on monthly numbers, not the gross amount of your debt. They look at your monthly debt-to-income ratio, which is the amount you bring in every month minus just your monthly payments out. 

[13:46] Options, Options, Options!

Do not let the student loan scare you into doing nothing and never even exploring your options. One of the biggest mistakes of people in their 20s who have student loans is that they never ask what they could do to improve their situation. Check out Episode 126 to discover what you can do to improve YOUR situation.

[15:24] How to Get a Home Loan Without Two Years of Work History

Everybody always says you can't get a home loan without two years of steady employment. But that’s a myth. If you've got a degree and you've got a job offer in the field that you just got your degree in, you're almost a shoo-in to get a mortgage.

Resources Mentioned:

E129: Interview With A First Time Home Buyer Who Bought WITHOUT Two Years Of Employment

E126: Buying a Home When You Have Student Loans

Is it possible to buy your first home in a very expensive area with just one income? This Baltimore first-time home buyer couple did it! 

Allison and Ephraim found out their rent was going up 30%, and they discovered it was over $10,000 cheaper to break their lease. So they decided to buy their first home with only ONE income and ended up paying their monthly mortgage only $50 more than their rent. 

Tune in for a ton of incredible tips, tricks, and hacks, including how they used the podcast to help them make a decision – a decision based on facts, and not fear!

Here are some power takeaways from today’s conversation:

Episode Highlights:

[06:29] Ways to Save Effectively

Statistics suggest that 73% of Americans have less than $1,000 saved. Whether it’s your Netflix subscription, your cable, or your daily Starbucks fix, identify which expenses can you cut back on for the short term so you can make the long term happen. Make a few sacrifices now for the long term. The bigger your savings, the larger the down payment you can make when buying a house, and the less you have to pay on your mortgage. 

[17:59] Realize the Positives of the Numbers

Make sure the numbers work and that you stick to your numbers. Lenders are going to ask you to show all your bank accounts that you’re going to feel like you’re naked. Then they will crush your dreams. That’s why you have to realize the positives of the numbers because that will keep you going.

[19:02] Be Extra Careful When Wiring the Money

When you close a deal, sometimes you have to wire a down payment, which involves a large chunk of money. Sometimes, if it's over a certain amount, they'd prefer to wire it versus a cashier's check. This couple happened to send the money to the wrong place. Fortunately, the money got sent back to their bank account just in time. To prevent this kind of mishap, always check with your lender if they allow you to pay through a cashier's check instead of a wire transfer, or check with your bank to learn how to wire money safely.

[37:35] Making Choices Based on Facts, Not Fear

Sometimes, you might find that the house does fit you perfectly. But if it makes you compromise on something, do not be afraid to walk away because there will always be another house out there. The reason people are not confident is that they're not knowledgeable. Ignorance is not a bad word. But the more information you have, the more you know, and the better choices you’re going to make because your decisions are based on facts, not fear.

Resources Mentioned:

Instagram: @DavidSidoni

Tik Tok: @howtobuyahome"

www.HowtoBuyaHome.com