Welcome to The Smart Homebuying Podcast! This is the podcast for parents who are ready to create a lasting foundation for their family. If you’re dreaming of a safe, stable home that you can truly call your own, where your kids can grow up with confidence and security, you’re in the right place. I’m Laura—a mom of two, a proud homeowner, and a dedicated homebuying coach here to help you achieve more than just a house. This journey is about building a secure future, investing in generational ...
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A podcast for the First Time Home Buyer, stay tuned for up to date info on buying a home.
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Dedicated to the First Time Home Buyer, we are here to give you the information you need to buy your first home. We are a group of real estate agents and mortgage lenders, and we know the home buying process can be confusing and intimidating. Learning a few key factors can help make the process easier to understand and less stressful. Our Website @ https://fthbpros.com has all episodes, articles, tools, and additional resources. NMLS#2141541 DRE# 02141890 / 02099257
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Homebuying Mistake #8: Underestimating the Value of a Good Agent
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A skilled agent can be a game-changer! I’ll explain why finding the right agent can save you money, time, and help you get the best deal. 💡 Learn how to choose the best agent with my Smart Homebuying Courses! Get 50% off using code SMARTPOD until November 30, 2024. 📲 Visit my website: lauramoreno.com 📚 Course Link: Smart Homebuying Finances 📊 Data …
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Homebuying Mistake #7: Skipping the Home Inspection
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Home inspections aren’t optional! In this episode, I’ll explain how inspections protect you from costly surprises down the road. Don’t make the mistake of skipping this crucial step! 💡 Make sure your investment is protected. My Smart Homebuying Course covers the inspection essentials. Use SMARTPOD for a 50% discount until November 30, 2024! 📲 Visit…
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Homebuying Mistake #6 Not Researching the Neighborhood
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A home is only as valuable as its neighborhood! Today, we’ll cover why researching neighborhoods is essential for long-term satisfaction and wealth-building. 💡 Find the perfect area for your family with tips from my Smart Homebuying Finances Course. Use code SMARTPOD at checkout for 50% off until November 30, 2024! 📲 Visit my website: lauramoreno.c…
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Homebuying Mistake #5: Skipping the Pre-Approval Process
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Skipping pre-approval can lead to heartbreak later on. In this episode, learn why getting pre-approved is a game-changer and how it gives you a competitive edge and a clear budget. 💡 Avoid costly surprises with my Smart Homebuying Course! As a podcast listener, enjoy 50% off with code SMARTPOD until November 30, 2024! 📲 Visit my website: lauramoren…
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Homebuying Mistake #4: Getting Too Attached to a Home
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It’s easy to fall in love with a home—but emotions can lead to overspending or overlooking major issues. I’ll share advice on how to balance your heart and your budget in today’s episode, and why keeping your financial goals in mind is essential. 💡 Want help staying on track with your goals? My Smart Homebuying Course will help you make informed de…
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Homebuying Mistake #3: Ignoring Additional Costs
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Buying a home involves more than just a mortgage payment! In this episode, we’ll go over hidden costs like HOA fees, maintenance, and property taxes that buyers often forget. Don’t let these expenses surprise you—get prepared with real-life budgeting tips. 💡 Get organized and stay ahead of expenses! My Smart Homebuying Course offers a Home Buying E…
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Homebuying Mistake #2: Skimping on the Down Payment
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Today, we’ll discuss why your down payment matters more than you might think. A low down payment can lead to high monthly costs, added PMI, and long-term financial strain. Tune in to learn how to save smartly and set yourself up for financial success! 💡 Take charge of your home-buying journey! My Smart Homebuying Course has tools to help you plan t…
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Homebuying Mistake #1: "Not Knowing How Much You Can Afford"
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Homebuying Mistake #1: Not Knowing How Much You Can Afford Description: In this episode, we’re diving into one of the biggest mistakes home buyers make—jumping into the search without understanding what they can realistically afford. We’ll go over the total costs of homeownership, beyond just the mortgage payment, and I’ll share practical tips to c…
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What is a Buyer Representation Agreement, with Mary Cates
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What is a Buyer Representation Agreement, - Introduction Mary Cates is a Realtor that found her happy place in the Piedmont Triad area of North Carolina. Mary where she helps resale clients, out-of-state clients and first time homebuyers. She enjoys helping clients navigate the real estate process and ultimately finding the home of their desire. In…
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The Truth About SONYMA Down Payment Assistance Program with Christine Perlow
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SONYMA Down Payment Assistance Program - Introduction The Truth About SONYMA Down Payment Assistance Program with Christine Perlow Christine Perlow is a Sr. Loan Officer at Nationwide Mortgage Bankers. She has been in the mortgage industry for over 30 years and she is most passionate about helping her First Time Buyers. She has been in the SONYMA H…
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Why It Is Essential To Talk To A Mortgage Officer Early On, With David Epstein
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David Epstein - Introduction David Epstein is the Vice President of First Securities Home Mortgage, and independent mortgage broker in Royal Oak, Michigan. He has been in the mortgage industry since 1993 and he focuses on giving the best customer service, follow up and attention to detail because he believes this is essential when working on mortga…
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Why Agents & Lenders Need To Lead With Value (Specially After NAR's Settlement), with Paul Abraham
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Paul Abraham - Introduction Paul Abraham AKA BetterCallPaul is a mortgage lender and owner of LocalLender that has been in the mortgage business for 30 years. The first 10 years he was a loan officer and now he has become a loan officer trainer. He now runs a Facebook group with over 41k loan officers when he helps them to grow their business. Home…
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Why Buying Overseas Could Be The Best Option for First Time Home Buyers Today, with Rodolfo Delgado
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Rodolfo Delgado - Introduction Rodolfo Delgado is a real estate startup founder based in New York and CEO of Replay Listings and Forbes contributor. He also bought his first home overseas and he is coming to share his experience and what he learned in the process. When he is not working he loves swimming and boxing. Home Buying Resources Navigating…
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3 Ways to Compensate Buyer's Agents (and Why) Starting July 2024
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3 Ways to Compensate Buyer's Agents (and Why) Starting July 2024 In July 2024, significant changes are set to reshape how buyer's agents are compensated in real estate transactions. These changes have far-reaching implications for members of the real estate industry, as well as for home buyers and sellers. Let's delve into what these changes mean f…
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Unlocking Wealth: Why Buying a Home Sooner is Your Best Investment with Nick Mullen
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Nick Mullen - Introduction Nick Mullen is a real estate agent in Northern Virginia. He believes real estate is a great wealth building tool, and it’s available to everybody. Recently, he’s been working with buyers to acquire lots to build their dream homes. When he’s not working he enjoys the company of family, playing music with his friends, and t…
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Demystifying Mortgages: A Comprehensive Guide for First-Time Buyers by Annika Lynn
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Annika Lynn - Introduction Annika Lynn is a Certified Mortgage Advisor based in South Carolina, with licenses spanning 14 additional states. She specializes in helping first-time home buyers and facilitating VA loans. Annika thrives on guiding clients toward building wealth through real estate and to getting them smoothly to the finish line and int…
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The Art of Persuasion: Winning Your Dream Home with a Letter to the Seller, with Donovan Reyes
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Donovan Reyes - Introduction Donovan Reyes is a real estate agent in Las Vegas. He sells over 100 homes a year to first time homebuyers, investors, professional athletes, and sellers. When he is not selling real estate, he is hanging out with his wife and 4 dogs. Home Buying Resources Navigating the world of home buying can be overwhelming, especia…
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Assumable Mortgages 101: The Key to Your First Home, with Michael Lorino
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Assumable Mortgages 101 with Michael Lorino - Summary Michael Lorino is the founder and CEO of AssumeList, a site where you can see Assumable Mortgages. A military veteran with over 15 years of real estate experience, Michael recognized the coming affordability crisis with rising interest rates and wondered how homebuyers could more easily find hom…
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FHA 203k Loan Requirements: Empowering Home Renovators With Andrew Winnard
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FHA 203k Loan Requirements - Introduction Andrew Winnard is a certified home inspector based in Maryland and HUD 203K consultant that takes great pride in the fact that he is able to work with home buyers to take advantage of one of the most powerful loan programs offered to the public. Home Buying Resources Navigating the world of home buying can …
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Unlocking Secrets: The 3 Questions Top Real Estate Agents Ask First Time Home Buyers, with Chastin J. Miles
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Introduction Chastin J. Miles is a real estate agent who focuses on Dallas properties. He specializes in various types of real estate, like houses, condos, commercial buildings, and luxury rentals. Chastin J. Miles and his team aim to change the way people think about real estate transactions. They go above and beyond what typical agents do. Chasti…
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$75,000 Seller Concessions and the Intriguing World of Buying a Home in 2024 with Amanda Shepherd
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Introduction – Amanda Shepherd Amanda Shepherd is a real estate broker in Seattle-Tacoma with Compass. She's the recipient of the Tacoma-Pierce County Association of Realtors Rookie of the Year award in 2022, and is passionate about helping first time home buyers achieve their goals. When she's not working, she's volunteering at local organizations…
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Moving Horror Stories And How To Avoid Them in 2024 with Justin Revland
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Summary Justin Revland is the Marketing Manager for Hornet Moving in Charlotte, North Carolina. He enjoys representing a locally owned and operated small business that is doing big things in a quickly growing city. When not working, he stays busy finding new ways to get outdoors and spending time with his wife and 3 young children. Summary Home Buy…
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The House Hacking Blueprint: Lessons from a 17-Unit Owner, with Seana Caine
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Introduction Seana Caine is a real estate agent in Rochester, NY. She loves working with first time homebuyers and helping them buy their first home. When she is not working she loves traveling and spending time with her husband. Home Buying Resources ➡️ Referrals ⭐ Find A Real Estate Agent Near Me ⭐ Find A Mortgage Broker Near Me ➡️ Free Resources…
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The Home Triangle Methodology, Unlocking the Perfect Home with Alison Derse
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➡️ Description Alison Derse is an award-winning Realtor in Portland, OR. Her mission is to offer heartfelt care and white glove service with the best tools, resources and local market knowledge the industry has to offer. She works across all of Portland and surrounding suburbs. When she is not working, she loves entertaining and exploring the city …
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Building Wealth Building Homes The ABCs of Construction Loans with Danielle Andrews
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Description Danielle Andrews is the Broker and Owner of Realty ONE Group Next Generation in Tallahassee, Florida. Danielle has been working in the real estate industry in Florida since 2016. She is an Educator by nature, having spent four years teaching Middle School Social Studies. She enjoys bringing her passion for education into her real estate…
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Empowering Home Buyers Unleashing the Power of Home Buyer Education with Matt Gouge
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Description MattTheMortgageGuy is a mortgage broker who is passionate about helping first time homebuyers create life changing opportunities through homeownership. Over the last decade he has created thousands of hours of content across YouTube, Instagram, Facebook, TikTok to educate homebuyers to make great decisions around buying a home. Outside …
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Where to Begin: Relocation Tips for First-Time Home Buyers with Darren Kaplan
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Description Darren Kaplan, known as MrMortgageGuru, is a husband of 23 years and a proud father to two wonderful children—a boy and a girl. As a seasoned mortgage banker, he has over 200 positive Zillow reviews, maintains a thriving YouTube channel with over 5000 subscribers, and brings over 20 years of valuable experience to his profession. Outsid…
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More Than Numbers Choosing a Lender Who Understands Your Story with Danny Meier
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Description Danny Meier is a mortgage loan officer out of the Seattle area where he was born and raised. He has been the #1 loan officer in the state for three years in a row and is ranked top ten nationally amongst all loan officers. He is a homeowner, investor, loving husband and father. What makes him tick is helping people make sound financial …
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The 3 Forces Behind the Fluctuations in Home Prices with Jeb Smith
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Description Jeb Smith is a Real Estate Broker and Content Creator located in Huntington Beach, CA. He enjoys educating first time home buyers on the importance of homeownership and providing the guidance necessary to help them accomplish their goals. Jeb loves being active and spending time with his wife and 3 boys. Useful Links ➡️ Referrals ⭐ Get …
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2500 Loans Later - Top Advice for First-Time Home Buyers with Dane Moler
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➡️ Description Dane Moler is a Division President with Primary Residential in the San Francisco Bay Area. He is an expert in all things mortgage with more than 22 years in the mortgage industry and having personally funded over 2,500 residential mortgages. Outside of the office he is an avid mountain biker, snowboarder, and travel enthusiast. ➡️ Re…
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Why You Need The Best Real Estate Team with Brett Ari Fischer
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➡️ Description Brett Ari Fischer is a real estate agent in New York City. He loves working with homebuyers and sellers. When he is not working he loves playing sports, reading, making videos, cooking, going to the gym and watching sports. ➡️ Referrals ⭐ Get a Referral to a Top Mortgage Lender or Realtor - http://lauramoreno.com/referral ➡️ FREE Hom…
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Whats Wrong With The Real Estate Sector Today With Craig Rowe
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➡️ Description Craig Rowe is a journalist based in Truckee, CA, focusing on proptech, marketing and consulting for real estate. He's also a backpacking guide in Yosemite National Park and the Eastern Sierra Nevada. ➡️ Referrals ⭐ Get a Referral to a Top Mortgage Lender or Realtor - http://lauramoreno.com/referral ➡️ FREE Home Buying Checklist ⭐ Dow…
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Why 4 Interest Rates Where A Historical Anomaly with Andrew Galler
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➡️ Description Andrew Galler is a Realtor in Portland, Oregon and has been helping people buy (and sell) homes since 2001. His passion is navigating his clients' largest financial and emotional investment in their lives: their HOME. ➡️ Referrals ⭐ Get a Referral to a Top Mortgage Lender or Realtor - http://lauramoreno.com/referral ➡️ FREE Home Buyi…
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Real Estate is URGENT Why You Need To Get Into Every House The Minute You Can With Kimberley Tufts
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➡️ Introduction Kimberley Tufts is a licensed REALTOR® serving New Hampshire and also Massachusetts. She is determined and committed to making the transaction as stress-free as possible and even fun while providing the utmost excellent service earning your trust, future referrals, and repeat business. First-time buyers are her favorite because the …
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How To Get $25k Off From Your First Home with Robert Davenport
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➡️ Introduction Robert Davenport is a seasoned real estate agent in Indiana who enjoys making your home dreams come true. As an Indiana native, Robert recognizes the trust his clients place in him and takes the lead with savvy negotiation skills, value, dedication and always putting his clients first. In his spare time he enjoys being with his fami…
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The Top 5 Components That All Home Inspectors Need To Check With Andrew Winnard
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➡️ Introduction Andrew Winnard is a home inspector in Central Maryland who loves working with first-time homebuyers. He encourages all homebuyers to follow him through the on-site inspection so he can report and advise on the overall condition of the home while answering any questions they might have. ➡️ Referrals ⭐ Get a Referral to a Top Mortgage…
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Navigating the Real Estate Rollercoaster: A Recap of 2023 and Insights for 2024
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Introduction Hello and welcome back to The First Time Home Buyer Podcast! I'm thrilled to be back with you for a brand new season. It's been a while, and I appreciate your patience. Today, we have a special episode in store for you as we catch up on what's been happening in my life and the real estate world. My Story: Making Home Buying Easier In t…
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28 - Understanding and Utilizing Seller Concessions for Maximum Home Buying Advantage
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Ever thought about how you might be leaving money on the table in your home buying negotiations? Well, we've got the perfect episode for you! Today, we're unpacking the mysterious world of seller concessions, and how they can work in your favor. We'll guide you on how to seek them out, negotiate them, and the remarkable role they can play in reduci…
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27 - Manufactured Homes & Building A Home On Your Own Land
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Ever wondered what distinguishes a manufactured home from a stick-built one? Or perhaps you've grappled with the stigmas and misconceptions surrounding manufactured homes. If so, this episode is for you. We're joined by the seasoned expert and owner of Stell RE Group, Steven Ellefson, who brings his deep knowledge and insights into the world of man…
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26 - Top 10 Real Estate Scams & How to Avoid Them
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We're looking at some of the most devious scams and practices that could happen to first-time home buyers. From fake rental listings, bait and switch schemes, to the devastating impact of title fraud - we expose the top 10 that can affect you. We look at the importance of title insurance and the potential pitfalls related to property titles. It's n…
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25 - Exploring the Benefits of Smaller Homes and Finding Your Perfect Space
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What if we told you that choosing a smaller home could actually lead to a happier, more fulfilling life? Join us as we explore the ever-changing concept of the "right size" home and discuss how sometimes, less is more. We'll take you on a journey through the history of home sizes, from the early 20th century to the present day, and discuss the impa…
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First Time Homebuyers: Navigating the Journey with Expert Guidance and Insights
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Ready to embark on the rewarding journey of homeownership, but feeling overwhelmed by the process? Worry no more; we've got you covered with our First Time Homebuyers podcast! As your personal guide and licensed loan officer and real estate agent, I'm Phil, and we'll be navigating the home buying process together. From finding the right real estate…
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24 - Conquering Condo Financing: A First-Time Homebuyer's Guide
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Ready to take the plunge into your first condo or townhome purchase, but feeling overwhelmed by the financing process? Our resident expert, Sarah, is here to guide us through the your journey toward homeownership with a condo or townhome. Our discussion not only uncovers the different types of loans available for condos and townhomes – such as conv…
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23 - Condo and Townhome Living: Common Misbeliefs and Why They Might be a Great First Home
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Are the myths about condos and townhomes holding you back from exploring their benefits? Tune in as we debunk 10 common misconceptions and discuss the pros and cons of condo and townhome living. Discover the key differences in maintenance, privacy, personalization, and selling between these housing options, and learn how they can offer more afforda…
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As a first time home buyer, you may not know some of the Do’s and Don’t of touring a home, whether that’s going to open houses or a private tour with an agent. We’ll go over 8 do’s and 8 don’ts about touring homes, and talk about some key points to help you make the most of your time and experience. Do's Bring your real estate agent to an open hous…
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We'll be discussing the age-old question, how much should we spend on a home? With everyone's situation being unique, it's important to talk about the fundamentals of creating a budget and give you some overall guidance that you can use to come up with your ideal budget. Tools & Resources: Show Notes & Article: https://fthbpros.com/first-time-home-…
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20 - Empowered 3.5% Down Payment Assistance Program - Forgiven after 6 Months
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I'm talking about one of my favorite down payment assistance programs that you can qualify for even if you make a higher income. If you qualify for an FHA loan, you likely can qualify for this. This program offers a 2% or 3.5% forgivable down payment and/or closing cost assistance with NO income limitations! That's right - no matter how much money …
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We dive into the world of down payment assistance programs and how they can help you achieve your dream of homeownership. With housing affordability becoming a growing issue, these programs are becoming increasingly important for first-time buyers. In this episode, we discuss: The different types of down payment assistance programs and how they wor…
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One popular piece of advice given to first time home buyers is to “marry the house and date the rate.” This phrase refers to the idea of putting more emphasis on finding a house that meets your needs for the long term, and thinking of the interest rate in shorter or temporary term. We'll be taking a closer look at this concept and see what it means…
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Learn about purchasing a new construction home - some tips and information to get the most out of your purchase. From financing options, to budgets and design choices, we want you to be prepared for the process and make an informed decision. Send us a text Support the show Find all our episodes, articles, newsletter, and resources on our main site:…
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