We have provided a lot of great content in 2022, but we really want to hear from you to see what you still need help with in 2023. In this episode we are asking you to reach out and let us know! 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 What Do You Want To See In 2023?

00:07 Intro

00:29 Hey! Real Quick Before We Start…

00:57 Welcome To The Homeowner Prep Podcast

01:32 What Do You Want To Know?

02:08 Our Podcast Is Going Live!

03:10 Interviewing Professionals & Investors

03:56 What We Have Covered So Far…

04:52 Contact Us On Social Media

05:39 Get Started With Homeowner Prep

07:04 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

#realestatetips #realestateadvice #homeownership

It’s easy to overspend during Christmas and that spending can delay your opportunity to buy your first home. In this episode we will talk about how to create and stick to a Christmas budget so you can stay on track to buy your first home 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 Christmas Is Here, Do You Have A Budget?

00:10 Intro

00:32 Real Quick Before We Start…

01:00 Welcome To The Homeowner Prep Podcast

01:51 Create A Christmas Plan

03:35 Christmas Peer Pressure Can Be Hard

04:33 Use The Envelope System To Control Spending

05:07 Avoid Putting Christmas On Credit

06:39 Get Started With Homeowner Prep

07:00 Contact Us on Social Media

07:37 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

#christmas #realestateadvice #homeownership

The holidays can be stressful, but it could also be a great time to buy a home. In this episode we will talk about the benefits of buying your first home during the holidays. 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 Buying Your First Home During The Holidays

00:10 Intro

00:32 Real Quick Before We Start…

01:00 Welcome To The Homeowner Prep Podcast

01:25 Should You Put Your Home Search On Pause?

03:09 Seller’s Definitely Have To Sell

03:57 Less Competition To Buy

04:47 Offers Will Work In Your Favor

05:45 Buy When You Are Prepared And Not Distracted

06:52 Get Started With Homeowner Prep

07:45 Contact Us on Social Media

08:27 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

#homefortheholidays #realestateadvice #homeownership

There is money available to help you buy your first home! In this episode we will talk about down payment assistance programs and how you can qualify. 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 How To Use Down Payment Assistance

00:11 Intro

00:33 Real Quick Before We Start…

01:00 Welcome To The Homeowner Prep Podcast

01:22 The 2 Biggest Hurdles For First Time Buyers

01:52 People Just Don’t Know About These Programs

02:46 What Is Down Payment Assistance?

03:28 How Soon Should You Buy A Home?

05:09 How A Down Payment Is Calculated

06:00 Sellers Are Willing To Help

07:56 You Have To Be A First Time Homebuyer

08:33 Each Program Has Different Qualifications

09:32 Get Started With Homeowner Prep

09:53 Contact Us on Social Media

10:12 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

#downpaymentassistance #realestateadvice #homeownership

How bad can the economy get? In this episode we will talk about the economy and how you can ensure your household is ready for the worst, even if the worst never comes. 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 How Bad Is The Economy Going To Get?

00:11 Intro

00:33 Real Quick…

01:00 Welcome To The Homeowner Prep Podcast

01:52 Interest Rates Are The Biggest Red Flags

03:25 Rates Aren’t Impacting Inflation

05:28 Interest Rates Do Change

06:00 Evictions Are On The Rise

07:15 Renting Isn’t An Easy Backup Plan Anymore

08:33 There Will Be More Job Losses

09:58 Control What You Can Control

10:32 Don’t Freeze, Take Action

11:20 Get Started With Homeowner Prep

11:37 Contact Us on Social Media

12:18 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

#useconomy #realestateadvice #homeownership

Use it or lose it! This CalHFA program could be going away soon. On this week’s episode we discuss the CalHFA Forgivable Equity Builder Loan. 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 So The Fed Raised Interest Rates Again Huh?

00:11 Intro

00:33 Real Quick…

01:00 Welcome To The Homeowner Prep Podcast

01:45 How The Program Works

03:07 Forgivable After 5 Years

04:08 Why The Program May Go Away

04:48 Area Median Income Limit

06:10 Get Started With Homeowner Prep

06:47 Contact Us on Social Media

07:28 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

#calhfa #realestateadvice #homeownership

Yes, rates are on the rise, but that shouldn’t prevent you from buying your first home. On this week’s episode we discuss ways to take advantage of the current housing market no matter what the rates may be. 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 So The Fed Raised Interest Rates Again Huh?

00:10 Intro

00:32 Real Quick…

00:59 Welcome To The Homeowner Prep Podcast

01:34 How Interest Rates Affect Mortgage Rates

03:05 If Rates Go Up, How Does It Impact Your Plans?

04:35 Sellers Are Motivated To Help You

05:09 The 2-1 Buy-Down

06:01 The Full Cost Of Buying A Home

07:05 Renting Rates And Credit Card Rates

08:07 The Problems With Waiting To Buy

09:02 Get Started With Homeowner Prep

10:01 Contact Us on Social Media

10:34 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

#interestrates #realestateadvice #homeownership

We all love looking at homes online, but when you start your home search, this may not be the right way to get started. On this week’s episode we discuss starting your home search the right way so you are prepared for success. 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 Searching For Homes Online Is Not The First Step

00:15 Intro

00:37 Real Quick…

01:05 Welcome to The Homeowner Prep Podcast

02:00 We All Have This Guilty Pleasure

02:32 The First Step Is Meeting With A Coach

03:22 The Second Step Is To Get Pre-Approved

06:00 The Third Step Is To Work With An Experienced Agent

06:53 Have Your Own Agent

08:54 Understand The Purchase Contract and Process

11:19 Get Started With Homeowner Prep

11:56 Contact Us on Social Media

12:18 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

#househunting #realestateadvice #homeownership

How you handle a collection account can make a major impact to your credit and home buying journey, so on this week’s episode we cover how to properly pay off a collection account the right way. If you have questions about you credit or collections, be sure to reach out to us or drop your question in the comments.

// SHOW NOTES

00:00 Uh Oh, You Have A Collection!

00:10 Intro

00:32 Real Quick…

00:59 Welcome to The Homeowner Prep Podcast

01:54 Keep An Eye On Your Credit

02:19 A Collection Is Not The End of The World

02:47 First Step Is Communication

03:59 How Collection Accounts Impact Your Credit

04:34 Paid In Full vs. Settled

05:19 Get It In Writing

06:58 Keep Documentation

08:07 Lenders Can Do A Rapid Rescore

09:56 Get Started With Homeowner Prep

10:13 Contact Us on Social Media

10:39 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

#collectionaccount #realestateadvice #homeownership

Do I make enough money to buy a home? This is a question that has less to do with income and more to do with your debt-to-income ratio. In this episode we cover the debt-to-income ratio and how it‘s used by lenders. If you have questions about the debt-to-income ratio, be sure to reach out to us or drop your question in the comments.

// SHOW NOTES

00:00 Do I Earn Enough Income to Buy a Home?

00:16 Intro

00:38 Real Quick…

01:05 Welcome to The Homeowner Prep Podcast

01:50 What Is a Debt-To-Income Ratio?

03:05 Two Parts of A Debt-To-Income Ratio

03:46 Difference Between Gross Income and Net Income

04:40 FHA Debt-To-Income Ratio Breakdown

06:15 Allowed Tradelines to Build Credit

07:16 Know What’s On Your Credit Report

08:18 Are You In A Community Property State?

09:24 There Is No “Cookie Cutter” Answer

09:43 Visit Our Website to Get Started

10:02 Pull Your Credit and Scores with MyFico

10:32 Reach Out to Us Through Social Media

10:52 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

#debttoincome #realestateadvice #homeownership