There are not a lot of people talking to first-time home buyers, and that’s why many of them make a lot of wrong decisions in their purchase. Educating yourself on the intricacies of the market is the best way to secure an ideal home. In this episode, two Daves join forces to guide you on this journey. David Sidoni sits down with HouseRichDave to share the most important pieces of advice on acquiring your very first home. They break down the biggest mistakes rookie homebuyers make and how to avoid them. HouseRichDave also explains the various challenges to expect when at the bottom of the price bracket, the most competitive space of them all.
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Interview with HouseRichDave – Talking Loans and Best Tips for First-Time Home Buyers
If you’re out there looking for answers on how to buy your first home, it can be overwhelming. I’ve been doing this for years now and I’ve been keeping my eye on other people out there that are doing the same thing. I’m trying to help you guys cut through the clutter. I found our next guest, @HouseRichDave. It’s been over a year now, and I’ve been watching him and seeing what he’s saying, and the dude speaks the truth. Welcome to a very special edition of the show. This is my interview with Dave Ball, @HouseRichDave. Check it out.
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Homies, a quick interruption before I start the episode because I have some majorly exciting news. The show and me, we’re going on the road. Come and get your questions about home buying answered from me directly live and in person. Our first stop is Dallas, Texas. It only took me five years, but the unicorns are finally bringing me out on the road, and I’m going to be live in Dallas on Monday, April 1st, 2024. No, this is not an April Fool’s joke. This is real. This is legit.
I am literally coming to Dallas for a live event on Monday, April 1st. It’s free, and there’ll even be some refreshments out there so you can save some money on dinner because I know you’re all on a budget trying to save up for a down payment and closing costs. To get the information, email [email protected] and put ‘Dallas’ in the subject.
We’re taking the revolution to the people, and it is time to discuss the new rules for how to buy a home in 2024. I’m going to stick around in Dallas and if you can’t make it or you’re not in Dallas the next day, Tuesday, April 2nd, me and JT, who maybe you’ve heard in the background on the show, are going to be doing a YouTube Live. That’s for everybody in North America the very next day, 6:00 PM Central Time, Tuesday, April 2nd. That’s going to be on my YouTube channel at How to Buy a Home. Q&A Live with me. If you’ve got questions about either one of these, email [email protected] for questions. Come see me live in Dallas or online on YouTube, and let’s talk about how you can do this.
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Everybody out there, Homies, I’m super excited. I’ve been telling you guys since 2019 that there are just not a lot of people in the industry if not anybody out there talking to first-time home buyers. Guess what? There’s another one, and this dude is awesome. I found Dave, @HouseRichDave on Instagram. The dude was pulling straight from my heart. He was giving stuff straight to you. He did the same thing I did. I took a U-turn in his life. Ladies and gentlemen, I’m very excited to introduce to you @HouseRichDave. This is Dave Ball. Dave, say hi to all the Homies.
What’s going on, Homies? Thank you for having me on your platform. I appreciate it. Everything you built has been super dope. I appreciate the honor of being on your platform. Thank you.
Working Backwards
I had the ADU guy on. I’ve got to hook you guys up too. I’ve built this thing and it came from a place of a mission and the ADU guy is the same way. The dude grew up poor. He started doing ADUs in the ‘90s way before. He happened to be in the right place at the right time and now, he does it and he gives all his crap away for free all day long. We’ll get into Dave’s story, but you know the drill, Homies. Dave, you talk to first-time home buyers all the time. What’s your best tip going into 2024? Maybe it’s your best tip for all time, but what’s your best tip?
The number one piece of advice I can give to a first-time home buyer is to focus on your monthly payment and then work backward to find out what that ideal home price is. I used to be a lender. One thing that I always notice is folks would come in. They’d either apply online. I used to work in a bank branch. They would come in and they’d be like, “I want to qualify for a home that’s $350,000.”
My job as a lender is not to tell you what I think you can afford or so forth, but at some point during the consultation, I’d always ask, “What do you think the monthly payment is for that?” It was always crickets. They didn’t know what the answer was. I would be like, “I’d always say in the example it may be $3,000.” The issue with that is once you already have focused on the home price, and what you’ve done, you’ve probably gone to Zillow at some point or wherever you look at homes.
You’ve looked at homes in that area. You fell in love with the neighborhood, the area, and the restaurants around there. You found a dog park for little gizmo to run around. You’ve already fallen in love with homes in that price bracket. Once I tell you $3,000, even though your real-life budget may have been $2,200, you’re going to talk yourself into $3,000 no matter what. You’re like, “I may get that promotion next month. I can cut back on something you’re not going to cut back on. I’ll go out once a month instead of 2 or 3 times a month. You go through all these scenarios in your head and you talk yourself into a home price you can’t afford.
On top of that, there are all sorts of other expenses you’re not even thinking about as a first time home buyer. You’re not thinking about lawn maintenance. You’re not thinking about the “new furniture” you have to buy and all these additional expenses so that only $800 jump that you’re thinking that you can maybe bridge the gap on is $1,500. Now, you’re house poor and your home ownership sucked because it’s so expensive.
Honestly, in actuality, you didn’t do the proper budgeting in the first place. If you start with $2,200, that ideal monthly payment and then you work backward to find the home, one of two things may happen. One is you may be like, “This is going only to get me a home that’s $290,000 in the area I want to live in.” I don’t like $290,000 homes.” That’s your prerogative.
Maybe it’s not the right time to buy because you can’t find a home in a place that you want to live or maybe you realize that instead of a 4-bedroom or a 3-bedroom. However, focusing on that monthly payment first and working backward sets the proper expectations for a first-time home buyer. I’ve seen too many people talk themselves into the monthly payments they couldn’t afford and a year later, they’re hitting me up, “Can I refinance and do this or that?”
It cracks me up because the real estate industry is not talking to people like this. It’s because what you and I know is that the real estate industry is not talking to first-time home buyers. They’re letting the newbies and the rookies who aren’t putting the time in like you and I put in. What blows me away is, “What’s the biggest payment of their rent? Why don’t we talk to them in that language?” If you’re paying $2,200, let’s not talk about a purchase price. Let’s talk about what $2,200 buys you and work backwards exactly like you did.
Sometimes maybe you show them that $290,000 that the $2,200 is going to buy them. They go, “Fine, let’s change the conversation,” but you change it within the construct of the monthly. You say, “If you don’t like that 290 house, which by the way, we don’t call houses a $290,000 house or a $300,000 house, we call it, “That’s a $2,200 house and that’s a $3,000 house,” when you get up to $350,000 or whatever. However, sometimes it’s like, “If $2,200 was your max, now you know how to get where you want. It’s going to cost you $300,000,” like you said. Would you stretch for it?
Here’s the other thing. I always tell folks too, “No matter what price bracket you’re in, you’re always going to find something you don’t like about the house.” I know Jay and Beyoncé bought a $200 million home out in California. They’re looking at the house and it doesn’t have X, Y, and Z. They can afford any house they want in the world, but I bet you that $200 million home that they bought, there are issues with it all over the place. They’re doing renovations.
No matter what price bracket you’re in, there’s going to be an issue with the home. You try to get as close as possible to what meets your needs, especially as a first-time home buyer. That first home, I it all the time, it’s not going to be your last home. It’s not your dream home. Statistically, you’re only going to be in the property for 5 to 8 years sometimes. More sometimes or less. Make sure it meets some basic needs, live in it for a few years, and then reassess maybe at the 3 or 5-year mark.
Chasing Affordability
The way things are going right now, we’re talking a lot about that on the show and I see you talking about it too. Here we are in 2024 and the biggest issue on everyone’s mind is affordability. We’re starting to run into it and I keep preaching to people, “I wish there was a correction coming and I wish there was a crash coming,” but until we see that inventory spike. It’s one of those things I tell them, “You’re born when you’re born and this is when you’re ready to buy a house.” First-time home buyers always have to compromise. 2024 and 2025 home buyers might have to do a little more compromise than the rest. Are you seeing that?
On that note, here’s the oddest truth that folks need to realize. You have to be honest with yourself. You’re not going to buy. If home prices were to drop 10%, most people would freak out. It’s like, “No, the housing market’s crashing.” Be honest with yourself. You’re probably not going to have the intestinal fortitude to jump in there because I always point out to folks. We talk about this home-buying crash.
I can’t remember the timeframe. We’re in 2024. I think it was from December 2022 to June 2023. It was the six-month timeframe. Home prices dropped 13% from peak to trough. All the folks who were waiting for the crash didn’t jump in and buy a home during that timeframe. You have to be honest with yourself. Set your budget and set your goals. If the time is right for you, the time is right for you because we should not be focusing on the home-buying process in these 12 to 6-month chunks.
That’s just the TikTok and Instagram part of real estate, especially during COVID where folks are like, “I bought a home in January. I sold it in October for an $80,000 profit.” There was a one or two-year window where that was realistic but in actuality, focus on a home from a 3 to 5-year timeframe because your first year, if you’re planning to buy a home in January and sell a home in December, there’s a 90% chance you’re going to take it out. You’re not going to profit off a home in one year.
Focus on that home-buying process in 3 to 5 years. I went on a tangent, but to answer your question, about affordability, as I said, all you can do is focus on your budget. The market’s going to do what the market’s going to do. At the end of 2022, the bigwigs make their predictions, the Wells Fargos, the Fannie Maes, the Zillows, and the Redfins.
They all make their predictions on where the housing market is going to go and no one gets that right because there are so many factors that are changing in the economy that you can’t predict. Who would’ve thought but there are wars and stuff going on right now, invasions, and so forth? There are so many things going on within the economy that you cannot control or predict. All you can do is focus on your budget and how to onboard from there.
There are so many things going on within the economy that you cannot control or predict. All you can do is focus on your budget and go forward from there.
Election Year, Interest Rates, And Loans
One of the things I wanted to talk with Dave about because he does this all the time is what questions people ask you and what questions should they be asking you instead? I’ll start with a couple and then I’ll let you kick some more in Dave. What questions are people asking me that am I hearing that maybe are completely irrelevant? “How’s the election going to affect me buying the house?”
I’ve been doing this for years. I went back and looked at the history for many years. There has never been an election that ever affected Jack’s squad diddly when it comes to buying a home. Policies take a long time to change and what we’re seeing is the policies affect the uber rich and the corporations. There are very few policies. Do you understand we had a global pandemic and they gave you all $600 or $1,600?
If you think that a new president or a change in the administration is going to give you 3% down on a $400,000 house, that’s $12,000. That’s not happening because we had a global pandemic and they gave you under $2,000 for a family of four. That’s a question I don’t think people should be asking. I think another one of the things that people ask me all the time and maybe you see this too, Dave, is people come in talking about interest rates and then I say, “When are you ready to buy?” They’re like, “Six months from now.” I’m like, “If you’re going to buy six minutes from now, the interest rate might be different.” We’ve got to talk about approximate interest rates and then go from there. How about you? What kind of questions do you see, and what do you wish they were asking instead?
I would attach to that interest rate thing because that’s always one of my pet peeves especially being a lender beforehand. I tell folks, “If a lender is pitching you based on their interest rate, go the other direction.” Here’s the thing. Any lender can match any lender’s interest rate because they’d rather lower their rate to match the other lender’s interest rate than lose the deal altogether. First and foremost, don’t worry about rates at all.
If a lender is pitching you based on their interest rate, go the other direction.
Two, like especially if it’s a virtual quote, a lender can literally tell you any interest rate you want to hear and it can be the truth. I’m a realtor now, but back when I was a lender, if I wanted to be a shady lender, let’s say the average interest rate was 6.750%. If I wanted to win your business, you call me and you say “What are your rates?” I could be like, “Our rates are 6.125%.” You’d be like, “That’s half a percentage under the market rate. You’d go with me,” but you don’t know to ask the question, “What points are associated with that rate? What buy-down is associated with that rate?” It’s because lenders can tell you any rate if they don’t quote you what it’s costing you to buy down the rate and the buy down’s being prepaid interest. I see that a lot.
The other thing is a lender could make up a rate because as you mentioned, unless you’re closing tomorrow or locking their rate tomorrow, it doesn’t matter at all because they can be like, “Once you’re closing the property or the contract 30 days later, rates have changed completely.” Now, you’re stuck with this lender who you may not necessarily like because they quoted you this super low-interest rate. Don’t worry about rates. Focus on the lender that you like. On that note, maybe it’s because I’m online and I have the presence of folks who feel like they know me but I am always shocked when folks do not interview me even though one thing I always tell folks is to interview me.
Going back to the lender part, one basic question and there’s no right or wrong answer, but I always like to ask folks, “How long have you been in the business?” As I said, there’s no right or wrong answer. Some folks have been in the business for years. They don’t know what they’re doing. Some folks have started and they’re super hungry and ambitious. They’re willing to help you and train you. Another good question to ask folks is, “What are your working hours?” It’s because you’ll get this too. Some great very productive lenders I know when I first started were like, “I’ll put in the grind early. I’m working from 8:00 to 5:00. If you want to call me at 5:15, sorry you’re out of luck. I’m with my family.”
That’s their prerogative because they set those boundaries front. You want to ask folks, “What are your hours?” You want to ask lenders, “What loan programs do you work with?” It’s because pretty much every lender does conventional loans, but for FHA loans, there are some details and intricacies with an FHA loan. VA loans and USDA loans, I always tell folks, I have never done a USDA loan when I was a lender in my life but with folks that come to me and ask me about a USDA loan, I’d be like, “I can help you out.”
Now, things probably would’ve gone okay, but maybe if you had a complicated file or something like that, I probably was not the lender to go to for a USDA loan because you may be unfortunately learning while I learned going through the loan process. One mistake I see first-time home buyers make is not interviewing their realtor or lender. Just because your friend used them, that doesn’t mean that they necessarily are fit for you.
I always tell folks, “I bet you your friend has friends that you don’t like.” Maybe your friend is in a different price bracket than you are. Maybe your friend has different credit than you are. You’re friends but your financial situations and credit profiles may be different. Always make sure you’re interviewing that lender and that realtor to make sure that they aren’t inadequate for your needs.
I agree because you and I have put all our eggs in the education basket and we’ve seen that there are a lot of people in this industry on the lending and real estate side who are not well-trained. What’s the easiest way to explain to people that you are well-trained? Educate them or show them the research. I think that you made some phenomenal points there about shopping the rates. Again, we’re coming to this as two realtors now, both with financial backgrounds, but as realtors, we’re telling you the biggest mistake we see first time home buyers do is they shop the rates instead of interviewing the lender.
However, there’s a step even before that. You need to educate yourself and find the full squad, both realtor and lender. However, that’s so interesting. Dave, we both know this. We talked about it. We’ve been talking for years now the reason why is because those big lending companies got all the big bucks and they beat the realtors to it.
Bottom Of The Price Bracket
You’re online like crazy. Everyone out there thinks loan. They think like a realtor won’t even talk to you unless you have a pre-approval in your hand. What’s funny is we just kind of explained that piece of paper might be completely worthless and that’s the great thing that you’re doing. We’re helping to change the narrative. That’s some inside information from the man who did it. What about searching for a home, the home buying process, or the home planning searching process? What are some of the other things that you see that you’re getting a lot of questions about, whether they’re right or wrong and how are you advising people?
One thing I see because, traditionally, first-time home buyers are at the bottom of the price bracket, for lack of a better term. That affordability question comes into play. The question is always, “When are prices coming down? How do I win the deal, etc.?” This is never forcing anybody to do anything but one thing I want folks to focus on is unfortunately, at the bottom of the price bracket, those homes, for the most part, don’t come down.
I remember looking back at a statistic. I can’t remember it off the top of my head so I’m going to paraphrase it, but I think in 2021, 33% of the new homes were under $300,000. In 2022, it was 15% and it was 10%. The reach for that is builders are building new homes, but they’re not building affordable homes. Unfortunately, there are not a lot of incentives for new builders to build affordable homes.
Unless they’re getting incentives from the city and there’s paperwork and stuff involved, still they’re not going to make the same amount of money that they would make in an affordable home that they would make for a home in some other place. Unfortunately, at the bottom of the price bracket, those homes are continuously going up. I remember I helped somebody here in Dallas buy a home that was $215,000. $225,000 was their cap. We got a home on our seventh offer, but there were homes we looked at where there were 36 offers, 19 offers, 14 offers, or 9 offers. The reason I point this out is you need to be ready mentally to take a little bit longer than you’re anticipating.
Sometimes folks will contact me, “My lease is up in a month. Can you help me find a home?” Maybe or maybe not. Probably not in 30 days, especially if you’re at the bottom of the price bracket. Whatever that is in your city, make sure you’re giving yourself the proper leeway or lead time in order to find a home. No matter where you’re at, I’d typically recommend three to four months at least before your lease is over.
Maybe if you’re in the bottom of that price bracket, maybe 5 to 6. The fair folks have is, “What if I find a home in a month, what’s going to happen now because I’m going to have a rent payment and a mortgage payment at the same time?” If you find one within a month, a big shout out to you. Congrats, but make sure you’re focusing on things. One, we’re not going to close the loan the next day. We have that 30-day timeframe.
The other part is your first payment isn’t due until the first of the month or 30 days after you close. Typically, you have 30 days to close on the loan and then typically, another 40 to 50 days before your first payment is due. There is a two-month gap before your first payment is due. However, if you’re at the bottom of that price bracket, unfortunately, those home prices aren’t coming down no matter what’s going on in the middle or the top of the market. When you see folks talking about, “Home prices were slashed $90,000.” They’re not talking about the $290,000 home. They’re talking about the $950,000 home that was probably overpriced to begin with. You got to run your race and make sure you’re focusing on the proper timelines.
That’s a good point because the timeline is something that a lot of people don’t factor in. As you were saying, at this price bracket, there’s more competition. That’s all there is to it. There’s more competition for a $250,000 house than a $2.5 million house. That’s the way it goes but that calendar is so important. If you ask me, “David, what’s a giant mistake?” Dave and Dave both say, “Calling me with one month left to try to buy a house in a month.”
If you’re going to have to go month to month anyway, your payments are going to go up. Here’s the way the calendar works. If you call us at least six months ahead of time, I like a year but if you call us six months ahead of time, it’s going to take a month to go through and figure out all the pre-approval stuff. Now, it’s five months. Even if you go out that first weekend on the fifth month and you find a house, it’s 30 days to buy it and then 30 days on the backside that you get that extra before your first mortgage payment.
Now, we’re down to two or three months left on your lease. I always say, “You are stepping over a hundred-dollar bill to pick up a penny when you’re concerned about a $2,000 lease change.” I think that there’s a wealth mindset that people need to change and realize. If you don’t have to move, fine, but maybe don’t go looking at houses for five months. If you’re like, “Do you know what I want to do? I’ll pay the extra $300 a month, but I don’t want to deal with it.” It doesn’t mean you can’t start planning, driving around neighborhoods, and doing stuff. They’re afraid to call us because people in the industry tell them, “Here, fill this out. No, you can’t afford it yet. Call me in six months.”
I’m glad you clarified that, but yeah, you definitely should be in contact with somebody before you’re ready because as a professional in this business, 80% of the people we talk to, we understand they’re never going to close the deal. If somebody calls me, I know there’s a good chance the loan or the deal is not going to close. Whether they’re not ready from a mental standpoint. Maybe they’re not ready from a credit standpoint, a financial standpoint, or maybe we go look for homes and you don’t find it.
I’ve looked for homes for people for a while and then at the end of it, it’s not right for me right now. I have something going on. I was working with a nurse a little bit ago and then she picked up a house in Chicago. We looked for three months. We went into contract and it didn’t make sense for her to now have this property as a rental property. Sometimes things happen during the home-buying process as well but the only way to get ready is to talk to somebody to figure out that timeline as you mentioned.
Closing Words
That pre-planning sets you up for life’s shifts. If a fork in the road all of a sudden drops in when you’re in the middle of your process, I’d rather have six months of planning behind it because then you have those contingency plans, and those other ideas already ready to go. As I said to the Homies out there, I found Dave online when I was researching at the beginning of my show days and I was like, “Here’s a dude talking about it.” Tell all the Homies out there where people can find you to get a double dose of Dave and Dave education.
I have various platforms, I’m under the House Rich banner. If you are on TikTok and IGs of the world, my name is @HouseRichDave. I try to post daily some quick actionable tips there. As far as the long form on YouTube and wherever you’re getting your podcast, you can catch me there. It’s called House Rich: The First Time Home Buyer Show. It is exactly what it sounds like. My goal is to put out an episode every week where I try to break down some home-buying topics. At the beginning of every year, I break down all the guidelines for conventional FHA, USDA, NACA, VA, or every loan firm you can probably think of.
Also, I’ll tackle various stories that you see in the news because there are a lot of clickbait headlines out there. The next thing you know, somebody’s on TikTok and they’re pointing at the headline, pulling a string, and not explaining it. There is so much misinformation that gets out there because of the clickbait headlines from people who don’t read the stories or the data that the stories are based on. I try to explain those from a factual standpoint as well so that you can form your opinion the best you can.
There’s so much misinformation out there just for clickbait. Be sure to gather data from a factual standpoint so that you can form your opinions the best you can.
That’s the truth. I don’t know those you Homies understand how much I’ve been gatekeeping you. I’ve got so many people that reach out to me like Derek, the ADU guy. He is a killer guy. There is a great reason behind what he’s doing. I would say this about @HouseRichDave. All the @HouseRichDave stuff, you want data, that’s where you go. He kicks. It is straight data. It’s no fluff. It’s no sales pitch.
It’s like, “I saw this headline. Let me explain to you and break it down exactly what it is.” I think that first time home buyers benefit. The more education you can get, the better and the more that we can keep people understanding what’s fear tactics because the bottom line is like you said. Get it together whenever you can get it together and make it happen.
That’s how you get house rich and not trying to time the market like those TikTok videos. I’m going to take a look at some of your stuff and as we go through this year when a new hot topic happens, I want to start doing some current event stuff. I’ll grab you and bring you on and you and I can chop it up on that stuff. Thanks. I appreciate it, Dave.
Thank you.
Homies, there you are. We’ve got to give a big How to Buy a Home thank you to Dave Ball, @HouseRichDave, and his First Time Home Buyer Show. I’m so stoked that he came on and did the same thing that we’re trying to do here to get you guys as much quality and good information as we can. Dave comes from a lender background so he’s one of the guys as far as a realtor that I enjoy listening to because he brings it to you from the financial side of things.
You can’t be a door opener realtor anymore because we have to figure out how to beat this affordability. There was so much great stuff in there but the one big thing I wrote down in my note was shopping interest rates versus shopping the actual lender. I think this is something maybe I don’t say on the show enough. It’s not a situation where you’re going into a store and you’re buying the same computer from one shelf or another. You are not buying the interest rate just like you can’t look at a computer at the specs in one store and then go to another store and go, “This is the exact same computer.”
It’s not because you’re not buying a thing. You’re buying a full relationship and a level of service. You’re buying knowledge. You’re buying creativity and understanding. You’re buying the guidance. You’re buying a counselor who’s going to help you through all this yet I see so many people make the mistake of shopping rates. When you just shop rates, you’re not understanding how this buying process works and how that may be a quarter point here or a quarter point there.
As Dave said, everybody gets the same rates, but if you’re just making phone calls trying to find the person who gives you the best rate as opposed to trying to understand the relationship. Also, someone who’s going to walk you through the entire process, I guarantee you that the person who gives you that service can save you tens of thousands of dollars down the line.
As Dave said, if they don’t tell you that the rate quote that they’re giving you is without points, it’s got points and it equals cash out of your pocket. Thanks again to Dave Ball, @HouseRichDave. Check him out on Instagram, YouTube, and podcast. He’s all over the place. If you are reading this and you like what we’re bringing to you, whether it’s these great guests who we’re also trying to help first-time home buyers everywhere or the information you’re finding on Instagram or TikTok, and all the places, How to Buy a Home is out there. Do us a favor and write a quick review right here. It helps get more people to find the show.
You can always ask a question no matter where you are in the home-buying process. If you’re at the very beginning of the process and you want to get our seven-day quick How to Be a Home Buyer or if you’ve got a specific question for me, you can ask Dave, or if you want to say, “I’ve been listening. I’m ready. Let’s find a unicorn.” Homies, be safe, be prepared, and be educated. Thank you so much for reading. It was the Dave and Dave show. It was fun. I know if he were here with me, he’d say the same thing. You can do this.
Important Links
- Dave Ball – LinkedIn
- [email protected]
- How to Buy a Home on YouTube
- @HouseRichDave – Instagram
- @HouseRichDave – TikTok
- House Rich: The First Time Home Buyer Show
This podcast was started for YOU, to demystify things for first time home buyers, and help crush the confusion. After helping first timers for over 13 years, I knew there wasn’t t a lot of clear, tangible, useable information out there on the internet, so I started this podcast. Help me spread the word to other people just like you, dying for answers. Tell your friends, family, and perhaps that random neighbor you REALLY want to move out about How to Buy a Home! A really easy way is to hit the share button and text it to your friends. Go for it, help someone out. And if you’re not already a regular listener, subscribe and get constant updates on the market. If you are a regular and learned something, help me help others – give the show a quick review in Apple Podcasts or wherever you get your podcasts, or write a review on Spotify. Let’s change the way the real estate industry treats you first time buyers, one buyer at a time, starting with you – and make sure your favorite people don’t get screwed by going into this HUGE step blind and confused. Viva la Unicorn Revolution!
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