You have an established relationship with your credit union already, but does that mean you should use them to buy a house? On this week’s episode we will discuss the pros and cons of using your credit union as a first time homebuyer. If you have questions about how to get started with Homeowner Prep, be sure to reach out to us or drop your question in the comments.

// SHOW NOTES

00:00 African American Homeownership Solutions

00:13 Intro

00:35 Hey! Real Quick Before We Start…

01:02 Welcome To The Homeowner Prep Podcast

01:43 Establishing A Banking Relationship Is Important

02:47 Use The Relationship You Have Built To Get An Approval

03:15 Your Credit Union May Not Have A Lot Of Programs

03:52 Credit Union Rates May Be Lower

04:25 Fees May Be Lower Than A Traditional Mortgage

05:01 Our Advice Is To Compare Multiple Banks

06:03 Your Credit Union May Sell Your Loan

06:30 It May Be Tougher To Qualify With Challenged Credit

07:17 Getting Started With Homeowner Prep

07:39 Contact Us On Social Media

08:10 Outro

// IMPORTANT RESOURCES

Get Started With HomeownerPrep:

https://www.homeownerprep.com/start

Support Our Mission:

Https://www.homeownerprep.com/support

Manage Your Credit Score with MyFICO:

https://bit.ly/HP-FICO

Build Your Credit Quickly:

https://bit.ly/HPP-Self

Subscribe to Our Channel:

https://bit.ly/HomeownerPrepYTSub

// CONNECT WITH US

Instagram: http://www.instagram.com/HomeownerPrep

Facebook: http://www.facebook.com/HomeownerPrep

Twitter: http://www.twitter.com/Homeowner_Prep

TikTok: http://www.tiktok.com/@HomeownerPrep

// ABOUT HOMEOWNER PREP

Homeowner Prep helps aspiring first time homeowners through real-world advice and accountability. This podcast was created for those who dream of owning their first home - and are willing to do whatever it takes to make their dream a reality!

DISCLAIMER: The content we distribute is for educational purposes only. Seek professional financial, tax, and legal advice for your particular situation. Also, links included in this description might be affiliate links. If you purchase a product or service with the links that we provide, we may receive a small commission. There is no additional charge to you! Thank you for supporting our channel so we can continue to provide you with great content!

// LICENSE INFO

DRE: 01780767

NMLS: 2218002

#buyingahome #realestateadvice #homeownership

In Part I we discussed the alarming trends in African American Homeownership and Wealth, but in this episode we will discuss the solutions to reverse those trends. If you have questions about how to get started with Homeowner Prep, be sure to reach out to us or drop your question in the comments.

// SHOW NOTES

00:00 African American Homeownership Solutions

00:11 Intro

00:33 Hey! Real Quick Before We Start…

01:00 Welcome To The Homeowner Prep Podcast

02:03 Solution 1: Homeownership Creates Wealth

04:07 Solution 2: Invest Early & Think About Retirement

05:36 Solution 3: African American Business Ownership

06:49 Operation Hope Can Help Your New Business

07:08 Don’t Lose Hope

07:36 Getting Started With Homeowner Prep

08:31 Contact Us On Social Media

09:08 Outro

// IMPORTANT RESOURCES

Get Started With HomeownerPrep:

https://www.homeownerprep.com/start

Support Our Mission:

Https://www.homeownerprep.com/support

Manage Your Credit Score with MyFICO:

https://bit.ly/HP-FICO

Build Your Credit Quickly:

https://bit.ly/HPP-Self

Subscribe to Our Channel:

https://bit.ly/HomeownerPrepYTSub

// CONNECT WITH US

Instagram: http://www.instagram.com/HomeownerPrep

Facebook: http://www.facebook.com/HomeownerPrep

Twitter: http://www.twitter.com/Homeowner_Prep

TikTok: http://www.tiktok.com/@HomeownerPrep

// ABOUT HOMEOWNER PREP

Homeowner Prep helps aspiring first time homeowners through real-world advice and accountability. This podcast was created for those who dream of owning their first home - and are willing to do whatever it takes to make their dream a reality!

DISCLAIMER: Links included in this description might be affiliate links. If you purchase a product or service with the links that we provide, we may receive a small commission. There is no additional charge to you! Thank you for supporting our channel so we can continue to provide you with great content!

// LICENSE INFO

DRE: 01780767

NMLS: 2218002

#buyingahome #realestateadvice #homeownership

There are some alarming trends in African American Homeownership that need to be addressed, so on this episode we will discuss these trends and their generational impact. If you have questions about how to get started with Homeowner Prep, be sure to reach out to us or drop your question in the comments.

// SHOW NOTES

00:00 African American Homeownership Trends

00:10 Intro

00:32 Hey! Real Quick Before We Start…

00:59 Welcome To The Homeowner Prep Podcast

01:41 Homeownership Was Higher With Discrimination?

02:45 770,000 Fewer Homeowners

04:09 Home Equity In Redlined Communities

04:33 What Is Redlining?

06:50 Getting Started With Homeowner Prep

07:09 Contact Us On Social Media

07:38 Outro

// IMPORTANT RESOURCES

Get Started With HomeownerPrep:

https://www.homeownerprep.com/start

Support Our Mission:

Https://www.homeownerprep.com/support

Manage Your Credit Score with MyFICO:

https://bit.ly/HP-FICO

Build Your Credit Quickly:

https://bit.ly/HPP-Self

Subscribe to Our Channel:

https://bit.ly/HomeownerPrepYTSub

// CONNECT WITH US

Instagram: http://www.instagram.com/HomeownerPrep

Facebook: http://www.facebook.com/HomeownerPrep

Twitter: http://www.twitter.com/Homeowner_Prep

TikTok: http://www.tiktok.com/@HomeownerPrep

// ABOUT HOMEOWNER PREP

Homeowner Prep helps aspiring first time homeowners through real-world advice and accountability. This podcast was created for those who dream of owning their first home - and are willing to do whatever it takes to make their dream a reality!

DISCLAIMER: Links included in this description might be affiliate links. If you purchase a product or service with the links that we provide, we may receive a small commission. There is no additional charge to you! Thank you for supporting our channel so we can continue to provide you with great content!

// LICENSE INFO

DRE: 01780767

NMLS: 2218002

#buyingahome #realestateadvice #homeownership

Waiting for the perfect time to buy your first home? It doesn’t exist! But on this episode we will help you discover why there’s no such thing as the “perfect time’ and what key indicators you COULD look at to get a better idea of market conditions. If you have questions about how to get started with Homeowner Prep, be sure to reach out to us or drop your question in the comments.

// SHOW NOTES

00:00 Are You Still Trying To Time The Real Estate Market?

00:11 Intro

00:33 Hey! Real Quick Before We Start…

01:00 Welcome To The Homeowner Prep Podcast

01:24 Waiting For The Market To Crash

02:42 Waiting For Interest Rates To Come Down

04:45 Your Pre-Approval Is Not Guaranteed!

05:21 Indicators You Should Look For

06:55 Your Buying Power Disappears Over Time

08:05 Getting Started With Homeowner Prep

08:38 Contact Us On Social Media

9:18 Outro

// IMPORTANT RESOURCES

Get Started With HomeownerPrep:

https://www.homeownerprep.com/start

Support Our Mission:

Https://www.homeownerprep.com/support

Manage Your Credit Score with MyFICO:

https://bit.ly/HP-FICO

Build Your Credit Quickly:

https://bit.ly/HPP-Self

Get Your Own Merch:

https://bit.ly/ShopHPMerch

Subscribe to Our Channel:

https://bit.ly/HomeownerPrepYTSub

// CONNECT WITH US

Instagram: http://www.instagram.com/HomeownerPrep

Facebook: http://www.facebook.com/HomeownerPrep

Twitter: http://www.twitter.com/Homeowner_Prep

TikTok: http://www.tiktok.com/@HomeownerPrep

// ABOUT HOMEOWNER PREP

Homeowner Prep helps aspiring first time homeowners through real-world advice and accountability. This podcast was created for those who dream of owning their first home - and are willing to do whatever it takes to make their dream a reality!

DISCLAIMER: Links included in this description might be affiliate links. If you purchase a product or service with the links that we provide, we may receive a small commission. There is no additional charge to you! Thank you for supporting our channel so we can continue to provide you with great content!

// LICENSE INFO

DRE: 01780767

NMLS: 2218002

#buyingahome #realestateadvice #homeownership

What is Homeowner Prep? On this episode we are covering our company’s past, present and future, and how your support will help us reach aspiring homeowners throughout the country. If you have questions about how to get started with Homeowner Prep, be sure to reach out to us or drop your question in the comments.

// SHOW NOTES

00:00 Where We’ve Been, Where We’re At, and Where We’re Going!

00:10 Intro

00:32 Hey! Real Quick Before We Start…

01:00 Welcome To The Homeowner Prep Podcast

01:42 How Homeowner Prep Got Started

03:54 We’re Now A 501c3 Non-Profit Organization

05:14 We’re Looking To Grow With Your Support

05:46 Let’s Talk About Where We’re Going!

06:58 Come Join Our Mission

07:27 Visit Our Website To Support The Mission

08:37 Contact Us On Social Media

9:08 Outro

// IMPORTANT RESOURCES

Get Started With HomeownerPrep:

https://www.homeownerprep.com/start

Support Our Mission:

Https://www.homeownerprep.com/support

Manage Your Credit Score with MyFICO:

https://bit.ly/HP-FICO

Build Your Credit Quickly:

https://bit.ly/HPP-Self

Get Your Own Merch:

https://bit.ly/ShopHPMerch

Subscribe to Our Channel:

https://bit.ly/HomeownerPrepYTSub

// CONNECT WITH US

Instagram: http://www.instagram.com/HomeownerPrep

Facebook: http://www.facebook.com/HomeownerPrep

Twitter: http://www.twitter.com/Homeowner_Prep

TikTok: http://www.tiktok.com/@HomeownerPrep

// ABOUT HOMEOWNER PREP

Homeowner Prep helps aspiring first time homeowners through real-world advice and accountability. This podcast was created for those who dream of owning their first home - and are willing to do whatever it takes to make their dream a reality!

DISCLAIMER: Links included in this description might be affiliate links. If you purchase a product or service with the links that we provide, we may receive a small commission. There is no additional charge to you! Thank you for supporting our channel so we can continue to provide you with great content!

// LICENSE INFO

DRE: 01780767

NMLS: 2218002

#buyingahome #realestateadvice #homeownership

On this episode we are taking a deep dive to find out how to find a great neighborhood for your first home. If you have questions about how to get started with Homeowner Prep, be sure to reach out to us or drop your question in the comments.

// SHOW NOTES

00:00 Details Of The California Dream For All Loan Program

00:11 Intro

00:33 Hey! Real Quick Before We Start…

01:01 Welcome To The Homeowner Prep Podcast

01:31 Crime & School Districts

01:56 How Crime Impacts The Community

03:15 Your Real Estate Agent Won’t Know Crime Statistics

04:37 Find Good School Districts, Even If You Don’t Have Kids

06:13 Talk To Neighbors In The Community

07:19 Look Around… What Do Your See?

08:32 Come Back And Visit The Community At Night

09:18 Is The Neighborhood Great For You?

10:27 Connect With City Counsel And City Planning

11:45 Let’s Recap!

13:02 Get Started With Homeowner Prep

13:17 Contact Us On Social Media

13:45 Outro

// IMPORTANT RESOURCES

Get Started With HomeownerPrep:

https://www.homeownerprep.com/start

Manage Your Credit Score with MyFICO:

https://bit.ly/HP-FICO

Build Your Credit Quickly:

https://bit.ly/HPP-Self

Buy Merch, Support The Mission:

https://bit.ly/ShopHPMerch

Subscribe to Our Channel:

https://bit.ly/HomeownerPrepYTSub

// CONNECT WITH US

Instagram: http://www.instagram.com/HomeownerPrep

Facebook: http://www.facebook.com/HomeownerPrep

Twitter: http://www.twitter.com/Homeowner_Prep

TikTok: http://www.tiktok.com/@HomeownerPrep

// ABOUT HOMEOWNER PREP

Homeowner Prep helps aspiring first time homeowners through real-world advice and accountability. This podcast was created for those who dream of owning their first home - and are willing to do whatever it takes to make their dream a reality!

DISCLAIMER: Links included in this description might be affiliate links. If you purchase a product or service with the links that we provide, we may receive a small commission. There is no additional charge to you! Thank you for supporting our channel so we can continue to provide you with great content!

// LICENSE INFO

DRE: 01780767

NMLS: 2218002

#buyingahome #realestateadvice #homeownership

On this episode we are taking a look at the California Dream For All loan program to see if it can help you buy your first home. If you have questions about how to get started with Homeowner Prep, be sure to reach out to us or drop your question in the comments.

// SHOW NOTES

00:00 Details Of The California Dream For All Loan Program

00:11 Intro

00:33 Hey! Real Quick Before We Start…

01:01 Welcome To The Homeowner Prep Podcast

01:29 History Of The Program

02:15 For California Only?

02:48 A Billion Dollar Fund!

04:01 Understanding The Area Median Income

04:57 How Much Down Payment Do You Need?

06:19 What Is Shared Equity?

06:49 Let’s Break Down The Numbers

07:58 So What Do You Think About This Program?

09:28 Why Is This Program Being Created?

10:04 Get Started With Homeowner Prep

10:46 Contact Us On Social Media

11:06 Outro

// IMPORTANT RESOURCES

Get Started With HomeownerPrep:

https://www.homeownerprep.com/start

Manage Your Credit Score with MyFICO:

https://bit.ly/HP-FICO

Build Your Credit Quickly:

https://bit.ly/HPP-Self

Buy Merch, Support The Mission:

https://bit.ly/ShopHPMerch

Subscribe to Our Channel:

https://bit.ly/HomeownerPrepYTSub

// CONNECT WITH US

Instagram: http://www.instagram.com/HomeownerPrep

Facebook: http://www.facebook.com/HomeownerPrep

Twitter: http://www.twitter.com/Homeowner_Prep

TikTok: http://www.tiktok.com/@HomeownerPrep

// ABOUT HOMEOWNER PREP

Homeowner Prep helps aspiring first time homeowners through real-world advice and accountability. This podcast was created for those who dream of owning their first home - and are willing to do whatever it takes to make their dream a reality!

DISCLAIMER: Links included in this description might be affiliate links. If you purchase a product or service with the links that we provide, we may receive a small commission. There is no additional charge to you! Thank you for supporting our channel so we can continue to provide you with great content!

// LICENSE INFO

DRE: 01780767

NMLS: 2218002

#buyingahome #realestateadvice #homeownership

On this episode we are taking a deep dive into all the expected costs of buying your first home, so be sure to take some notes as we break it all down. If you have questions about how to get started with Homeowner Prep, be sure to reach out to us or drop your question in the comments.

// SHOW NOTES

00:00 A Deep Dive Into How Much Money You Need To Buy Your First Home

00:10 Intro

00:32 Hey! Real Quick Before We Start…

01:00 Welcome To The Homeowner Prep Podcast

01:45 How Much Is The Down Payment?

03:46 What Are Closing Costs?

04:37 What Is Title? What Do They Do?

05:26 You May Need Prepaid Taxes

06:22 Getting A Seller To Pay For Your Closing Costs

06:56 In Escrow Upfront Costs

07:20 Paying For An Appraisal

09:19 Negotiating With The Seller For Appraisal Shortfall

11:25 Should You Get A Home Inspection?

13:00 What Does A Home Inspector Look At?

14:45 Getting A Pest or Termite Inspection

15:35 Inspections Find Issues, Issues Can Be Negotiated

17:35 Put Your Real Estate Agent To Work

18:11 Other Potential Costs

19:12 Costs That Can Be Covered By Other People

20:53 Get Started With Homeowner Prep

21:53 Contact Us On Social Media

22:25 Outro

// IMPORTANT RESOURCES

Get Started With HomeownerPrep:

https://www.homeownerprep.com/start

Manage Your Credit Score with MyFICO:

https://bit.ly/HP-FICO

Build Your Credit Quickly:

https://bit.ly/HPP-Self

Buy Merch, Support The Mission:

https://bit.ly/ShopHPMerch

Subscribe to Our Channel:

https://bit.ly/HomeownerPrepYTSub

// CONNECT WITH US

Instagram: http://www.instagram.com/HomeownerPrep

Facebook: http://www.facebook.com/HomeownerPrep

Twitter: http://www.twitter.com/Homeowner_Prep

TikTok: http://www.tiktok.com/@HomeownerPrep

// ABOUT HOMEOWNER PREP

Homeowner Prep helps aspiring first time homeowners through real-world advice and accountability. This podcast was created for those who dream of owning their first home - and are willing to do whatever it takes to make their dream a reality!

DISCLAIMER: Links included in this description might be affiliate links. If you purchase a product or service with the links that we provide, we may receive a small commission. There is no additional charge to you! Thank you for supporting our channel so we can continue to provide you with great content!

// LICENSE INFO

DRE: 01780767

NMLS: 2218002

#buyingahome #realestateadvice #homeownership

Buying a home is a major accomplishment, but not if it cost more than you can afford! In this episode we will show you how to buy your first home, without going broke. If you have questions about how to get started with Homeowner Prep, be sure to reach out to us or drop your question in the comments.

// SHOW NOTES

00:00 Buy Your First Home Without Going Broke

00:10 Intro

00:33 Hey! Real Quick Before We Start…

01:00 Welcome To The Homeowner Prep Podcast

01:34 How Much Home Can You Afford?

03:23 Should You Pay All Your Debt First?

05:14 Start With A Starter Home

06:41 Get Started With Homeowner Prep

07:17 Contact Us On Social Media

07:58 Outro

// IMPORTANT RESOURCES

Get Started With HomeownerPrep:

https://www.homeownerprep.com/start

Manage Your Credit Score with MyFICO:

https://bit.ly/HP-FICO

Build Your Credit Quickly:

https://bit.ly/HPP-Self

Buy Merch, Support The Mission:

https://bit.ly/ShopHPMerch

Subscribe to Our Channel:

https://bit.ly/HomeownerPrepYTSub

// CONNECT WITH US

Instagram: http://www.instagram.com/HomeownerPrep

Facebook: http://www.facebook.com/HomeownerPrep

Twitter: http://www.twitter.com/Homeowner_Prep

TikTok: http://www.tiktok.com/@HomeownerPrep

// ABOUT HOMEOWNER PREP

Homeowner Prep helps aspiring first time homeowners through real-world advice and accountability. This podcast was created for those who dream of owning their first home - and are willing to do whatever it takes to make their dream a reality!

DISCLAIMER: Links included in this description might be affiliate links. If you purchase a product or service with the links that we provide, we may receive a small commission. There is no additional charge to you! Thank you for supporting our channel so we can continue to provide you with great content!

// LICENSE INFO

DRE: 01780767

NMLS: 2218002

#financialadvice #realestateadvice #homeownership

The new year is here already! So what are you looking to accomplish in 2023? In this episode we are going to teach you how to set and achieve your goals in 2023! If you have questions about how to get started with Homeowner Prep, be sure to reach out to us or drop your question in the comments.

// SHOW NOTES

00:00 Can You Believe The New Year Is Here?

00:09 Intro

00:31 Hey! Real Quick Before We Start…

00:58 Welcome To The Homeowner Prep Podcast

02:04 Make Sure Your Goals Are Your Own

03:03 Write Your Goals Down

04:27 Are You Setting S.M.A.R.T. Goals?

05:58 Setting A Goal To Buy A House

07:45 Get Started With Homeowner Prep

08:01 Contact Us On Social Media

08:21 Outro

// IMPORTANT RESOURCES

Get Started With HomeownerPrep:

https://www.homeownerprep.com/start

Get Started with MyFICO:

https://bit.ly/HP-FICO

Build Your Credit Quickly:

https://bit.ly/HPP-Self

Buy Merch, Support The Mission:

https://bit.ly/ShopHPMerch

Subscribe to Our Channel:

https://bit.ly/HomeownerPrepYTSub

// CONNECT WITH US

Instagram: http://www.instagram.com/HomeownerPrep

Facebook: http://www.facebook.com/HomeownerPrep

Twitter: http://www.twitter.com/Homeowner_Prep

TikTok: http://www.tiktok.com/@HomeownerPrep

// ABOUT HOMEOWNER PREP

Homeowner Prep helps aspiring first time homeowners through real-world advice and accountability. This podcast was created for those who dream of owning their first home - and are willing to do whatever it takes to make their dream a reality!

DISCLAIMER: Links included in this description might be affiliate links. If you purchase a product or service with the links that we provide, we may receive a small commission. There is no additional charge to you! Thank you for supporting our channel so we can continue to provide you with great content!

// LICENSE INFO

DRE: 01780767

NMLS: 2218002

#newyear #realestateadvice #homeownership