Finally — some good news for first-time homebuyers. Housing supply is rising, interest rates are dipping, and builders are offering real incentives. This episode breaks down why 2025 may finally be your chance to buy smarter — before competition heats back up.

For years, first-time buyers have been stuck facing high prices, low inventory, and discouraging rates. But late summer 2025 is bringing a shift: seven major U.S. cities are now officially buyers markets, mortgage rates are dropping back into the mid-5% range, and builders are cutting prices while adding incentives.

David Sidoni explains what this means for your monthly payment, why timing matters, and how to create your personal rent replacement strategy before bidding wars return. You’ll also hear a success story from listeners Will and Annie, who started their planning early and are now thriving as homeowners in their 20s.

If you’ve been waiting for your opening, this could be the time to act.

“Interest rates just dropped from 7% to 5.5%. That’s almost $400 a month back in your pocket — for the same home.”

Highlights

• Why seven U.S. cities just tipped into official buyers markets
• How FHA loans at 5.5% can save first-time buyers nearly $400 a month
• The surprising drop in new construction home prices across one-third of major markets
• What builder incentives really mean for your budget
• Why starting your rent replacement strategy now gives you a big advantage
• Real first-time buyer success story: Will and Annie, ages 26 & 27

Referenced Episodes

• 388 - The Playbook VOL. 1 - The Rent Replacement Strategy
• 389 - The Playbook VOL. 2: Your Last Lease Ever

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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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