How to Buy a Home

Buying a home isn’t just about payments — it’s about building a future.In this episode, David sits down with Nick, a first-time buyer who went from having just $1,500 in the bank to closing on a $312,000 home in less than a year. Nick shares the fears, doubts, and breakthroughs that turned his “someday” dream into reality — including the pivotal moment he realized that an extra $1,000 a month wasn’t just rent, it was buying him security, equity, and a foundation for his family’s future.You’ll hear how listening to the podcast gave Nick a “study guide,” but reaching out for real help with a unicorn realtor made all the difference. His story shows why waiting can cost you, and why taking action — even when it feels scary — is the key to breaking out of the renter cycle.Quote“I kept waiting for the sales pitch… but it never came. Just the facts came, and that got my attention.” – NickHighlightsHow Nick turned $1,500 in savings into homeownership in under a yearThe moment he overcame the fear of reaching out for helpWhy an extra $1,000 per month on a mortgage payment isn’t just “more rent”The difference between passive learning and active planning with a unicorn realtorWhy waiting can cost more than starting the process todayConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit 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 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. 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!

We’re revisiting one of the most powerful first-time buyer stories ever shared on the show. DeShawn’s journey from homelessness at 15 to homeowner proves that with the right plan, a unicorn team, and determination, you can buy a home—even when the odds seem stacked against you.In this replay of Episode 247, we revisit DeShawn and Katrina’s inspiring path to homeownership. After years of struggle and resilience, DeShawn used the podcast to build a plan, connect with a unicorn team, and take advantage of a first-time homebuyer grant and zero down loan.They brought just $5,000 to closing, and today their mortgage payment is $200 less than their old rent. In this interview, DeShawn shares:How he rebuilt his life after being on his own since age 15Why your credit score is a game-changer (and how to strengthen it)The offer strategy that helped them get their home accepted fastThe importance of expanding your search area to find affordabilityHis vision for creating long-term wealth for his familyThis story is a reminder that first-time buyers can win—even in tough markets. If you’ve been discouraged by headlines or myths about needing 20% down, DeShawn’s story will inspire you to see what’s truly possible.Quote“My biggest thing for everybody is just trust the process. Credit score, credit score, credit score is huge. And you really lean into your unicorn team. Amazing things will happen.” – DeShawnHighlightsFrom homeless teen to homeowner: DeShawn’s powerful journeyUsing a grant and zero down loan to minimize upfront costsHow their new mortgage ended up cheaper than rentWhy credit score matters more than most buyers realizeCreative offer strategies that stand out in competitive marketsThe role of a unicorn team in making the process achievableBuilding long-term financial stability through homeownershipReferenced Episodes:FOR A COMPLETE LIST OF ALL THE REFERENCED EPISODES, PLEASE VISIT OUR OFFICIAL 2025 EPISODE GUIDEConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit 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 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. 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!

First-time homebuyers often get stuck in the same myths and mistakes. This episode shares overlooked tips and critical warnings that can protect you and boost your confidence.Buying your first home can feel overwhelming, but a few insider strategies can make the process smoother — and safer. In this episode, David Sidoni shares hard-earned lessons from two decades of guiding first-time buyers. You’ll learn how lenders calculate your debt-to-income ratio (DTI), why monthly debt payments matter more than total balances, and how to avoid common missteps that derail approvals. Each tip comes with a warning, because protection is the first job of a unicorn Realtor. Whether you’re just beginning your research or already preparing for pre-approval, these nuggets will help you move forward with clarity.Quote:“Protecting you isn’t a small part of a unicorn realtor’s job. It’s their first job.”Highlights:What lenders really look at in your debt-to-income ratio (DTI)Why monthly obligations carry more weight than your total debtThe hidden pitfalls that can stall loan approvalThe role of a unicorn Realtor in protecting first-time buyersConfidence-boosting tips that most buyers never hearReferenced Episodes:FOR A COMPLETE LIST OF ALL THE REFERENCED EPISODES, PLEASE VISIT OUR OFFICIAL 2025 EPISODE GUIDEConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit 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 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. 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!

How one first-time buyer left city renting behind and built her rural dream life — with just 5% down.Dreaming of wide open space, a garden, and room for animals? Samantha made it happen. In this episode, David Sidoni talks with Samantha, a first-time buyer who left apartment living to purchase a 2-acre homestead in Texas. Her journey shows how early planning, flexibility, and the right team can turn a dream into reality.Samantha shares how she timed her purchase with her lease, worked with a unicorn realtor to find trusted lender options, and adjusted her checklist without losing sight of her must-haves. She also opens up about the tough but valuable lessons she learned from rural inspections — including septic and well systems — and how she knew when to walk away.Whether you’re dreaming of a rural property or just wondering if 5% down is enough, this story proves that the right strategy makes even the biggest lifestyle shifts possible.Quote“Definitely have a checklist of things that you value and you want with your home. But also don’t be afraid of tweaking it, especially as you see homes.” — SamanthaHighlightsWhy starting the homebuying process months in advance reduces stressHow to work with a unicorn realtor to find a trusted lenderBalancing must-haves with flexibility in the searchRed flags in rural inspections: septic systems, wells, and flipper propertiesHow Samantha bought her dream with just 5% downUsing homeownership to build toward bigger life goalsConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit 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 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. 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!

Too many renters delay buying because they think they need far more cash than reality. In this updated replay, David Sidoni explains why the “wait and save” mindset is one of the biggest mistakes first-time buyers make—and how much you actually need to bring to closing.If you’ve been sitting on the sidelines thinking you need $50,000, $80,000, or even $100,000 saved before buying, this episode is for you. In today’s shifting 2025 market—where buyers finally have more leverage in many areas—the biggest obstacle is still misinformation about closing costs.In this myth-busting replay of episode 348, David Sidoni breaks down why 90% of aspiring buyers overestimate what it takes to close, costing them years of wasted rent and lost equity. You’ll hear real-world examples of buyers who closed on homes with far less than they expected, plus the creative (but totally legit) tools that helped them get there: low down payment programs, seller credits, and assistance options.Closing isn’t just a date on the calendar—it’s a moving process with shifting costs and timelines. But with clarity, preparation, and the right mindset, you can take control of the chaos and finally stop waiting on the sidelines.“That phrase, ‘wait and save,’ has cost renters hundreds of millions of dollars in unnecessary rent paid and equity lost.”HighlightsWhy most renters dramatically overestimate down payment and closing costsReal examples of buyers closing with as little as $4,100Why the myth of 10–20% down plus extra costs is holding you backHow loan programs, seller credits, and assistance can reduce cash neededWhy closing is a process, not a single day—and how to manage itThe mindset shift that helps Type-A buyers stay calm when timelines shiftThe truth: you don’t need as much as you think to buy your first homeConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit 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 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. 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!

What if everything you were told about homeownership was a lie? This episode breaks down the death of the boomer American Dream — and introduces a smarter, realistic path to owning a home today.You’ve heard the narrative: the housing market is broken, homeownership is out of reach, and the American Dream is dead. And in a way, that’s true — but not for the reasons you think.In this episode, David Sidoni tackles one of the biggest lies holding first-time buyers back: the myth that because the old dream died, homeownership is impossible. He reveals the truth about how the boomer-era vision of buying a home began collapsing over 50 years ago — and why it’s time to stop waiting for a fantasy to come back.You’ll hear a powerful story about Nicholas Z, a listener who came to How to Buy a Home with only $1,500 in savings. Ten months (and a few major life curveballs) later, he and his partner owned a 4-bedroom home. No inheritance. No shortcuts. Just strategy, guidance, and a new path.David brings the receipts: almost one million first-time buyers closed on homes last year. Most didn’t put down 20%. Most didn’t have financial help from family. The “dream” may be dead, but the opportunity is not. Learn how regular people are still winning — and how you can too.Quote:“The dream didn’t die last year. It’s been dead for decades — and we’ve been building a better path.”Highlights:The truth about the boomer-era American Dream (and why it’s over)Why the current market isn’t your enemy — it’s just differentAverage down payment data from 2024 (hint: it’s not 20%)FHA and 5% down loan options for first-time buyersNicholas Z’s story: from broke to homeowner in under a yearWhat nearly 1 million first-time buyers did in 2024 that you can do tooHow to let go of the old story and focus on what works nowConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit 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 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. 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!

After years of thinking they weren’t ready, Isaac and his wife realized they’d been holding themselves back for the wrong reasons. In this episode, they share how financial fears, wedding expenses, and career changes delayed their decision to buy — and why they now believe starting earlier would have saved them money and stress. A real-world reminder that “readiness” doesn’t require perfection.Meet Isaac, a first-time buyer who candidly shares the emotional and financial lessons learned on the road to homeownership. From a cross-country move to Florida and years of hesitation, Isaac and his wife postponed buying a home because they assumed they needed to pay off all debt and hit 20% down. But after connecting with the How to Buy a Home team, they closed on their dream home in just a few months — with less money down and full confidence.This episode dives into:Why “waiting until you’re ready” can actually cost youThe truth about buying with less than 20% down and paying PMIHow they avoided a money pit thanks to the right agentThe pitfalls of using a family friend as a realtorHow Isaac’s view of affordability and timelines completely shifted after finding the right guidanceFor anyone feeling overwhelmed or unsure if it’s the “right time” to buy, Isaac’s story is the reality check you didn’t know you needed.“We should’ve done this in reverse order. Bought the house first, then planned the wedding.”– IsaacHighlights:Moving from Chicago to Florida: career change, wedding costs, and the turning pointWhat made Isaac say “We waited too long”Their decision to buy with less than 20% down (and why it worked)The inspection that saved them thousandsWhy a “good vibe” isn’t enough when choosing your realtorHow connecting with a unicorn agent accelerated their timelineAdvice for anyone thinking they need to “fix everything” before buyingConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit 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 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. 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!

Buying your first home? This episode breaks down the new vs. resale debate with clear pros, cons, and strategies to help you make the best choice for your future.For first-time buyers, the choice between a brand-new home and a resale property can feel overwhelming. Each option has unique benefits and hidden challenges, and the best decision depends on your budget, lifestyle, and long-term goals. In this episode, David Sidoni unpacks everything you need to know about: The perks of new builds (energy efficiency, customization, less immediate maintenance)The realities of resale homes (lower prices, established neighborhoods, potential repair surprises)The importance of budgeting for upgrades vs. remodeling laterHow timing and market conditions can shift the balanceThe types of new home purchases — from land builds to semi-custom, quick move-ins, and spec homes David brings 20+ years of first-time buyer coaching to the table, helping you weigh your options with confidence. If you’re asking yourself, “Should I go new or resale?” this is your playbook. “It’s the biggest financial decision of your life — new home or resale? Let’s break it down.” Highlights New homes offer efficiency and customization but often come at higher costs.Resale homes are more affordable and located in established areas but may bring hidden repairs.Budgeting plays a critical role — upgrades vs. renovations.Quick Move-In (QMI) and spec homes can be a faster path to ownership.There’s no one-size-fits-all answer — your personal goals and timing are key.Referenced Episodes:388 - The Playbook VOL. 1 - The Rent Replacement Strategy389 - The Playbook VOL. 2: Your Last Lease EverConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit 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 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. 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!

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.”HighlightsWhy seven U.S. cities just tipped into official buyers marketsHow FHA loans at 5.5% can save first-time buyers nearly $400 a monthThe surprising drop in new construction home prices across one-third of major marketsWhat builder incentives really mean for your budgetWhy starting your rent replacement strategy now gives you a big advantageReal first-time buyer success story: Will and Annie, ages 26 & 27Referenced Episodes388 - The Playbook VOL. 1 - The Rent Replacement Strategy389 - The Playbook VOL. 2: Your Last Lease EverConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit 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 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. 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!

After back-to-back rental letdowns, Tim and Vanessa decided they’d had enough. This episode dives into their journey from frustration to finally buying their first home in Tarpon Springs, Florida, with insights every first-time buyer can use.Tim and Vanessa’s story begins with a double blow from their landlord — first being kicked out for renovations, then again just weeks later when the landlord decided to sell. The final straw came during their wedding anniversary weekend, in the middle of a hurricane, when they got the dreaded 30-day notice. Instead of giving up, they turned their anger into determination.With persistence and guidance from a unicorn realtor, they navigated the emotional rollercoaster of home shopping. They refused to settle, even when it felt tempting, and leaned on their realtor’s network of lenders and inspectors to stay confident in the process. Their patience paid off: in early 2025, they closed on a $388,000 two-bedroom, two-bath home in Tarpon Springs, FL.This interview highlights the importance of resilience, choosing the right team, and never letting setbacks define your outcome. For anyone feeling stuck in the cycle of renting, Tim and Vanessa’s journey is proof that perseverance and the right guidance can turn things around.Quote: “Don’t settle. We tried to talk ourselves into it several times, and it just wouldn’t have worked out.” – VanessaHighlights:The rental nightmare that finally pushed them to buyHow a unicorn realtor changed everythingThe emotional toll of the search — and why persistence mattersWhy refusing to settle was their key to successTheir final win: a $388K home in Tarpon Springs, FLConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit 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 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. 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!

Most renters can buy a home in 12 months or less — if they have the right system. In this episode, David Sidoni reveals the "Last Lease Ever" playbook, a practical step-by-step guide that helps first-time buyers turn rent payments into a customized strategy for homeownership.The housing industry has failed first-time homebuyers, leaving most renters without guidance until they’re already “ready to buy.” But the truth is, with the right coaching and a clear plan, many renters could become homeowners in just a year.In this episode, David Sidoni hands you the ultimate playbook for buying your first home — a proven system that focuses on the Big Three: credit, debt, and savings. Instead of navigating myths and industry neglect, you’ll discover:How to build a rent replacement strategy that sets you up for successWhy you only need one action step per month to move forwardThe critical difference between pre-approval and pre-qualificationHow to calculate and understand your debt-to-income ratio (DTI)Why working with a unicorn realtor and lender early changes everythingThis isn’t a crash course, a webinar, or a PDF — it’s a personalized, actionable plan. With just two free 45-minute meetings, you can map out your 12-month blueprint to turn your rent into a mortgage and finally start building wealth.Quote: “You only need one action step a month. No fluff. No gimmicks. Just real results. That’s how you make this your last lease ever.”Highlights:The “Last Lease Ever” playbook: a clear, customized 12-month roadmapWhy the industry ignores first-time buyers during the planning phaseThe Big Three explained: credit, debt, and savingsHow to use DTI (Debt-to-Income Ratio) to understand your buying powerThe role of unicorn realtors and lenders in building your planWhy most renters could buy a home in 12 months or lessReferenced Episodes:304 – Improve Your Credit: Homebuying 101 – Step 3305 – Debt Management: Homebuying 101 – Step 4306 – Saving To Buy Your Home: Homebuying 101 – Step 5355 – Real Answers Pt 4: Should I Rent or Buy in 2025?381 – Saving While in Debt: How Much Do First-Time Buyers Really Need in 2025?Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit 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 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. 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!

Winners don’t wait to feel ready. They train. In this episode, you’ll learn how to use the rent replacement strategy to practice homeownership before you ever buy — and build a mindset that wins in any market.You don’t become a homeowner the day you close — you become one the day you start thinking like one.This episode is your playbook. David Sidoni lays out a rent replacement strategy that isn’t just about saving money — it’s about training your brain and budget to operate like a homeowner before you own a home. That means practicing now. Living now. Saving now. Not waiting for the “right time.”Just like athletes prep before the championship, smart buyers build the habits that get them across the finish line. Rent replacement is your training camp. It’s not sacrifice — it’s preparation. And it works.David’s coached thousands through this method, and in this episode, you’ll hear how to start practicing now so that when your homebuying moment comes, you’re ready to win.Quote: “Rent is about survival. Buying a home is about growth."Winners don’t wait to feel ready. They train. In this episode, you’ll learn how to use the rent replacement strategy to practice homeownership before you ever buy — and build a mindset that wins in any market. You don’t become a homeowner the day you close — you become one the day you start thinking like one. This episode is your playbook. David Sidoni lays out a rent replacement strategy that isn’t just about saving money — it’s about training your brain and budget to operate like a homeowner before you own a home. That means practicing now. Living now. Saving now. Not waiting for the “right time.” Just like athletes prep before the championship, smart buyers build the habits that get them across the finish line. Rent replacement is your training camp. It’s not sacrifice — it’s preparation. And it works. David’s coached thousands through this method, and in this episode, you’ll hear how to start practicing now so that when your homebuying moment comes, you’re ready to win. Quote: “Rent is about survival. Buying a home is about growth."Highlights:Why “training like a homeowner” means budgeting for your future mortgage nowThe power of automating savings and acting “as if” you already own a homeHow starting your plan early helps you beat rising prices and ratesWhat it really means to practice replacing rent with equity — step by stepWhy mindset matters more than market timing when you’re buying your first homeConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit 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 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. 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!

Think you're years away from buying your first home? You might be closer than you think. In this episode, real-life first-time buyers Tyler and Erin share how they went from overwhelmed to owning a home in just 90 days — all by finding the right help and staying focused on what really mattered.Buying a home in one of the most expensive markets in the country might sound impossible — especially if you're trying to DIY the whole thing. But Tyler, a self-described spreadsheet guy, learned that numbers aren't enough. Once he and Erin connected with a unicorn real estate team through How to Buy a Home, everything changed. In this interview, they walk us through their fast-track journey from research to keys in hand — including the mindset shifts, practical tips, and surprising ease of the process once they had the right guidance.You’ll learn:Why talking to your boss might be the first step in buying a homeHow Erin and Tyler chose a “must-have” that simplified everythingWhat made them realize they were ready — even when they didn’t feel like itHow unicorn agents make fast, informed decisions easier for buyersThis story will challenge your assumptions and remind you: you don’t have to do this alone.Quote: "It can be overwhelming, but having one or two things to focus on — like a good kitchen — helped us feel grounded."Highlights:Tyler and Erin closed on their New Jersey home in just 90 daysTyler emphasized the need to prep your employer for schedule flexibilityErin highlighted the power of choosing one “must-have” to stay focusedWorking with a unicorn agent clarified their finances and sped up the processTheir experience reveals many buyers are closer to ready than they thinkReferenced Episodes:Ep. 6: Choosing House Must-HavesEp. 2: Choosing a Realtor and LenderEp. 1: Deciding Your GoalsConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit 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 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. 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!

A couple turns a rent hike into a homeownership strategy, navigating relocation, pregnancy, and smart financial planning to land a 1923 farmhouse in Maryland.Chris and Niki’s journey from Manhattan renters to first-time homeowners shows how strategy, timing, and teamwork can overcome the high costs of living in expensive markets. After learning their $2,900 Manhattan rent was set to jump to $3,800, they began planning to redirect that money into equity. A relocation to Silver Spring, Maryland, brought lower rent and proximity to work, but it was Niki’s pregnancy that accelerated their timeline. With $300,000 saved, they split funds between a $150,000 down payment and $150,000 for renovations, ultimately purchasing a 1923 farmhouse for $675,000—$100,000 below asking. Smart lease planning, family carpentry help, and a unicorn real estate team made the process smoother and more affordable.“Get a unicorn team, rely on them, ask questions. They will point you in the right direction.” - ChrisHighlightsHow a rent jump from $2,900 to $3,800 sparked a rent replacement strategy.Why the perfect home doesn’t exist—and how to prioritize what matters most.The benefits of open houses for clarifying wants versus needs.What it’s like to accelerate homebuying while expecting a baby.How $300,000 in savings was split between down payment and renovations.A unique negotiation strategy that reduced the final purchase price by $100,000.The role family expertise played in making an older home purchase feasible.Why a unicorn team was key to their success.Referenced Episodes350 - From ‘Years Away’ to Homeowner: Your Last Lease Ever382 - 2025 Crucial Housing Market Shift Pt 1: Rates383 - 2025 Crucial Housing Market Shift Pt 2: Sales, Inventory & Affordability384 - 2025 Crucial Housing Market Shift Pt 3: Rent Math & Buying PowerConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit 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 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. 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!

Overwhelmed by the market? This special Labor Day episode is your cheat code to clarity — a binge guide to six years of first-time homebuyer education.SynopsisThe housing market in 2025 feels bananas — up, down, and sideways all at once. You can’t control interest rates, inflation, or prices, but you can control your knowledge. That’s what this episode delivers: clarity, confidence, and a roadmap through all 384 past episodes of How to Buy a Home.Host David Sidoni breaks down exactly how to use the podcast library to build your own personal homebuying education plan. From the ten-step Homebuying 101 Starter Kit to practical strategies in the Last Lease Ever program, plus a real estate dictionary to crush confusing jargon, this guide is your ultimate playlist for a smarter path to homeownership.Whether you’re starting from scratch, figuring out where you stand, or staying up-to-date with the latest market insights, this curated list of episodes will help you move from confused renter to confident buyer.Quote“You can’t control the market, but you can control your knowledge. This is your cheat code to home buying clarity.”HighlightsWhy fundamentals and education matter more than timing the marketA step-by-step binge guide to 384 past episodesHomebuying 101 Starter Kit — ten must-know episodes for beginnersLast Lease Ever program — practical tips while rentingHow to assess your place in the process and set a custom planA real estate dictionary series to break down confusing jargonHow to mix new episodes with the back catalog for maximum learningReferenced EpisodesFOR A COMPLETE LIST OF ALL THE REFERENCED EPISODES, PLEASE VISIT OUR UPDATED 2025 EPISODE GUIDEConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit 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 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. 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!

In the final part of the 2025 Market Shift Update, David Sidoni breaks down why affordability is finally improving — and why old affordability formulas don’t tell the full story. Discover how falling rates and shifting rent dynamics create opportunities for first-time buyers.For five years, first-time buyers have faced brutal affordability math. Home prices skyrocketed from $315,000 in 2020 to $438,000 in 2025, far outpacing normal appreciation. But the tide is finally turning. In this episode, David Sidoni explains how flattening home prices and falling mortgage rates are reshaping the affordability index in buyers’ favor.More importantly, David reveals the fatal flaw in traditional affordability formulas: they ignore rent. Rent is your biggest monthly output — and it’s rising no matter what. When you factor in rent replacement, buying often makes more financial sense than continuing to rent. David shows how to use this perspective to assess your readiness and why waiting for “perfect” affordability is a losing strategy.Packed with myth-busting insights, this episode equips buyers with the clarity and tactics needed to move forward in today’s shifting market.“Buying a home is not a want purchase — it’s a necessity purchase. You’re paying for shelter either way.”HighlightsWhy affordability has been so brutal since 2020How today’s interest rate drop makes homes more affordable, even at higher pricesThe flawed formula economists use to measure affordabilityWhy factoring in rent changes the entire equationTactical steps first-time buyers can use in today’s market shiftReferenced Episodes382 - Part 1: Rates383 - Part 2: Sales, Inventory & Affordability279 - New Build vs Resale Houses for First Time Homebuyers350 - From ‘Years Away’ to Homeowner: Your Last Lease Ever355 - Real Answers Pt 4 – Should I Rent or Buy in 2025?168 - Get Off Your Ass!Websitewww.getoffyourass.orgConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit 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 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. 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!This is one part of a 3 part series highlighting the most significant housing market shift since this podcast began in 2019. Check out the podcast library for the full series for a complete update.

Part two of this special series dives into three critical pieces of the 2025 housing market shift: home sales, inventory, and affordability. David Sidoni breaks down the numbers, explains why headlines can be misleading, and shows how today’s changes open up new opportunities for first-time buyers.The 2025 housing market is in the middle of a transformation unlike anything seen in decades. In part two of this three-part series, David Sidoni unpacks the latest on home sales, shifting inventory, and affordability. He shares how existing home sales have dropped to just over 4 million in recent years, but new data and falling mortgage rates are signaling a move back toward healthier levels. Headlines might scream contradictions — sluggish sales one day, rising applications the next — but that’s exactly why staying educated matters. Inventory is building, builders are offering incentives, and affordability is showing signs of life. For first-time buyers, understanding these shifts is the key to beating the rush and securing a home before competition heats back up.Quote: “If you take advantage of this shift now, you can beat the bum rush of a bazillion other buyers.”Highlights:Existing home sales data from 2019–2025 and what it means for first-time buyersWhy headlines about sales and applications seem contradictoryThe role of new construction and builder incentives in boosting supplyHow declining mortgage rates are already improving affordabilityActionable insights on how to prepare for the next market phaseReferenced Episodes:Part 1 of this 2025 Crucial Housing Market Shift series (home prices & mortgage rates)355 - Real Answers Pt 4: Should I Rent or Buy in 2025?Sources:Zillow, Redfin, Goldman Sachs, Housing Wire, Ris Media, US News, Bloomberg, The National Association of REALTORS®, Realtor.com, Homes.com, Zelman & Associates, Brian Buffini and other housing economists, The Mortgage Bankers Association, U.S. Census Bureau, Fannie Mae, Freddie Mac, financial Samurai, Moody’s, Inman, US News, Apollo Global, Wells Fargo, and the National Association of Home Builders.Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit 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 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. 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! This is one part of a 3 part series highlighting the most significant housing market shift since this podcast began in 2019. Check out the podcast library for the full series for a complete update.

For the first time in over a decade, real change is reshaping the housing market. Prices, inventory, and affordability are shifting in ways that could finally give first-time buyers a new opportunity.In this episode, David Sidoni delivers a data-packed breakdown of the biggest housing market change in 17 years. After years of historically low inventory, rising prices, and brutal bidding wars, 2025 is bringing something different: falling prices in many metros, improving affordability, and a rare increase in available homes.David explains why this isn’t a crash, but a shift toward semi-normal conditions — and how you can use this to your advantage. With most experts predicting 2–4% appreciation in 2025, smart buyers who act early can secure homes before the public catches on.This is part one of a three-part market update series designed to help you build a winning 2025–2026 strategy.Quote“For the first time in 17 years, inventory is actually improving — and that changes everything.”HighlightsWhy home prices are actually falling in many metros.The surprising percentage of listings with price cuts this summer.How builders are slashing prices and narrowing the gap with resale homes.What most experts really predict for home values in 2025.How first-time buyers can take advantage of this rare shift.Sources: Zillow, Redfin, Goldman Sachs, Housing Wire, Ris Media, US News, Bloomberg, The National Association of REALTORS®, Realtor.com, Homes.com, Zelman & Associates, Brian Buffini and other housing economists, The Mortgage Bankers Association, U.S. Census Bureau, Fannie Mae, Freddie Mac, financial Samurai, Moody’s, Inman, US News, Apollo Global, Wells Fargo, and the National Association of Home Builders.Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit 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 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. 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!This is one part of a 3 part series highlighting the most significant housing market shift since this podcast began in 2019. Check out the podcast library for the full series for a complete update.

Think you can’t buy a home until your debt is gone and your savings are massive? Think again. In this episode, David Sidoni breaks down the real math behind saving for a down payment while managing debt — and why waiting too long could actually cost you more. For first-time homebuyers, the internet is full of misinformation: you need zero debt, a huge down payment, and perfect timing. Wrong. In this episode, David tackles one of the biggest fears holding renters back — how much you actually need to save, and whether it’s possible to do that while still carrying debt. Spoiler: it is.Building on Rosie’s inspiring story from the last episode (a single mom who bought her first home in 2025 after bankruptcy), David unpacks the myths that scare buyers into renting for far too long. He explains the strategies that let you save and pay down debt at the same time, and why the rising age of first-time buyers — now at a shocking 41 years old — is proof that misinformation is keeping people trapped.If you’re stuck renting because you think your debt or small savings disqualify you, this episode is your wake-up call. Homeownership is possible sooner than you think — if you know the facts. Quote: “You don’t need a big down payment and no debt. Nope, nope, nope.” Highlights:The myth of needing zero debt before buying a home — busted.How to save for a down payment while paying down debt.Why waiting too long could cost you more in rising prices and rents.Rosie’s real-life story: from bankruptcy in 2019 to buying in 2025.The shocking truth: average first-time buyer age has jumped to 41. References (If Applicable):186 - INTERVIEW: Buying a Home with 300K of Student Debt?305 - Debt Management: Homebuying 101 - Step 4233 - Interview With Stephanie Who Had 200K In Student Loans, And STILL Bought A Home!339 - Don’t Get Pre-Qualified—Get a Plan (INTERVIEW)340 – Down Payment Assistance, Discovery Calls & Lending Myths (INTERVIEW)327 - From “Maybe Next Year” to Homeowner in 4 Months – Elizabeth’s Story (INTERVIEW)330 - From Renter to Homeowner with a Home Business – Christina’s Story (INTERVIEW)347 - She Fired Her Realtor—and Bought the Right Home in 3 Days (INTERVIEW)351 - How a Drama Teacher Bought a Home Solo (INTERVIEW)Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit 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 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. 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!

Rosie’s journey proves that even if you start off alone, overwhelmed, or unsure, the right support can change everything. In this episode, you’ll hear how one first-time buyer turned a rocky beginning into a smooth close by connecting with a trusted local expert — and how leaning into education, patience, and the right guidance helped her do what felt impossible. Rosie’s journey wasn’t smooth — it was full of the exact hurdles that make most first-time buyers give up. She started with a realtor who ghosted her, a process she didn’t fully understand, and serious doubts about whether homeownership was even possible for her. But she didn’t walk away. Instead, she regrouped. She reached out, asked for help, and found a unicorn agent who helped her rethink everything. Why is Rosie’s story is so powerful? Because she did everything the way most people don’t. She took her time. She built the team that actually worked for her. And when things got hard, she didn’t rush — she kept going with clarity and purpose. This episode is a blueprint for anyone who feels like homeownership is out of reach but isn’t ready to give up. Quote: "I'm super happy. I feel very grateful that I got connected to you and the team and all of that.” - Rosie You’ll hear:How Rosie went from bankruptcy, student loans, and single motherhood to homeownershipWhat she did when her first realtor ghosted herHow a podcast shoutout led to a game-changing connectionWhy she mixed and matched her agent and lender to build the perfect teamHow patience and education helped her winWhat she'd do differently (and what she’s glad she didn’t change)The value of combining a reliable lender with a responsive local expertWhy communication and trust were more important than speed or convenienceConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit 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 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. 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!