The 1st Time Homebuyer Show w/ Gizmo by House Rich
By Dave Ball @HouseRichDave
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Episodes: 214
Description
Giz (the world's cutest dog) & I (experience as a lender, underwriter & Realtor) walk about talk about various home buying news and breakdown mortgage tips and tricks. Between the 2 of use we've help 100s of 1st time homebuyer in real life; we just dont talk about it into a mic.
Come walk w/ us & Lets go get those keys !!!
-HouseRichDave & Giz
| Episode | Date |
|---|---|
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191: Why is the underwriting process so ruff
|
Jul 02, 2024 |
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190: Sniffing out junk fees & how to reduce them yourself
|
Jun 25, 2024 |
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189: Brokers v Big Banks/Direct Lenders, who's top dog?
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Jun 18, 2024 |
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188: Is home maintenance really that ruff on FTBHs? The 2024 USA Today survey says...
|
Jun 13, 2024 |
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187: What to do if you can no longer afford your mortgage payment & why it increases
|
Jun 11, 2024 |
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186: Evaluating a neighborhood as a 1st time homebuyer (visual episode)
|
Jun 06, 2024 |
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185: 9 Things 1st time homebuyers over look during a property tour (visual episode)
|
Jun 04, 2024 |
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Season 4 update: I’m back w/ a friend
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Jun 04, 2024 |
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184: 9 places that'll pay you to move there; including one giving $19K
|
Apr 16, 2024 |
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183: Biden's $10,000 homebuyer credit & the state of the housing market
|
Apr 02, 2024 |
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182: Squatter's Right's Explained: NYC squatter has homeowner arrested after breaking into her $1m home
|
Mar 25, 2024 |
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181: Breaking... $418M Realtor lawsuit settlement & its impact on the 1st time homebuyer
|
Mar 18, 2024 |
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180: 7.2M reasons you cant find a home
|
Mar 11, 2024 |
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179: Conventional v FHA the ultimate showdown
|
Mar 06, 2024 |
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178: Rates stuck at 7%, what happens next?
|
Feb 28, 2024 |
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177: Does NACA suck? Lets find out...
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Feb 20, 2024 |
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XX: Finding out I have Asperger's, a high functioning form of autism as an adult
|
Feb 06, 2024 |
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176: VA Loans explained, share this info w/ a Vet if you aren't one
|
Jan 30, 2024 |
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175: Why renting a three-bedroom home is NOT cheaper than owning in 90% of the U.S (or anywhere)
|
Jan 22, 2024 |
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174: FHA 203k Rehab loan, the best program ever?
|
Jan 17, 2024 |
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173: What can Shae (or you) afford on a $100K salary
|
Jan 10, 2024 |
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172: The 2024 Housing Market Forecast... Will there be a crash?
|
Jan 04, 2024 |
|
171: Everything you wanted to know and MORE about conventional loans, huge 2024 updates
|
Dec 26, 2023 |
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R.E.AD 12/18- Folks don't really care about the Navy Federal "news". Here are 3 questions to ask if your loan is denied.
|
Dec 18, 2023 |
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R.E.A.D 12/13 Fed hold rates steady, but are they really cutting rates in 2024?
|
Dec 14, 2023 |
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R.E.AD. 12/11 44% of Homes Purchased in '23 were by Private Equity Firms & Dems introduce bill to ban hedge funds
|
Dec 14, 2023 |
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170: Everything you need to know about FHA loans, 2024 updated breakdown
|
Dec 06, 2023 |
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169: The most wonderfullll time of the yearrrrr
|
Nov 21, 2023 |
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168: Lets go pocket watching, breakdown my commission check & quantifying the value to the buyer
|
Nov 13, 2023 |
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11/9 R.E.A.D w/ @blackrealestatedialogue NAR's collusion lawsuit and the future of the real estate industry
|
Nov 09, 2023 |
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167: How the $1.78B realtor collusion judgement will crush the first time homebuyer
|
Nov 06, 2023 |
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11/2 R.E.A.D Fed pauses rate hikes again, future impact & $1.78B commission collusion lawsuit, 1st time homebuyer impact
|
Nov 02, 2023 |
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166: How to get a throwback mortgage rate
|
Oct 30, 2023 |
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10/25 R.E.A.D w/ @blackrealestatedialogue: Rates hit 8%, Biden's new affordable housing plan & the rest of this week's housing news
|
Oct 26, 2023 |
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165: I bought a CPN !!
|
Oct 23, 2023 |
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164: What they don't tell you about the 2:1 buydown
|
Oct 19, 2023 |
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10/15 R.E.A.D: The October inflation report's impact on housing market, Airbnb Renter 'From Hell', NAR commission lawsuit
|
Oct 16, 2023 |
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163: How much home can I afford (and qualify for) on my salary?
|
Oct 10, 2023 |
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R.E.A.D 10/4 Well Fargo's bold 2024 Prediction, The Fed likes what they see & solving the housing crisis
|
Oct 06, 2023 |
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162: Black Appraiser Matter Pt II: Is there racial bias in the appraisal industry?
|
Oct 05, 2023 |
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161: Black Appraisers Matter Pt I: How to become an appraiser
|
Oct 03, 2023 |
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R.E.A.D 9/27: Insurance companies canceling policies due to climate change, section 8 lawsuits & Food deserts
|
Sep 29, 2023 |
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160: Stupid or Liar: Credit Edition
|
Sep 26, 2023 |
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R.E.A.D 9/20 The Fed pauses rate hikes, housing impact
|
Sep 22, 2023 |
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159:What first time homebuyers should look for during a home inspection w/ inspector Nita Davidson @househunter216
|
Sep 19, 2023 |
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R.E.A.D 9/13- Lender fined for paying for referrals, why you've never heard about it & the rest of the weeks news
|
Sep 15, 2023 |
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158: (sigh) You're about to talk to a Realtor before you're ready
|
Sep 12, 2023 |
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R.E.A.D 9/6: 2023 Housing forecast update & why now is the best time in history to buy new construction
|
Sep 09, 2023 |
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Real Estate After Dark 8/30: Zillow's 1% program and why "experts" lie to you
|
Sep 08, 2023 |
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157: My loan was declined: The Miseducation of David Ball
|
Sep 05, 2023 |
|
Season 3 Trailer
|
Aug 31, 2023 |
|
Bonus Episode: Is Earn Your Leisure right that affordable housing is a trap for the black community?
|
Aug 17, 2023 |
|
xx: State of the Union season 2 Finale
|
Aug 15, 2023 |
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156: Zillow & Fannie Mae 2024 housing market and interest rate prediction
|
Aug 08, 2023 |
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155: Starter home prices hit all-time highs, here's why they may never go down
|
Aug 03, 2023 |
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154: Home prices are up 41.79% (yikes)...
|
Aug 01, 2023 |
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153: The Fed raises rates again. Is that light at the end of the tunnel or a train?
|
Jul 28, 2023 |
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152: Reacting to a CFA's gloomy housing market prediction
|
Jul 25, 2023 |
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151: The housing crash is over, listen to me talk about the 4 charts that prove it.
|
Jul 20, 2023 |
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150: Why don't you have the money to buy a home?
|
Jul 11, 2023 |
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149: Homes under $300k are slowly disappearing...
|
Jun 27, 2023 |
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148: Why Dallas' Airbnb ban is coming to your city next
|
Jun 20, 2023 |
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147: So the Fed is pausing the rate hikes, just to raise them later !?!?
|
Jun 15, 2023 |
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146: Barbara Corcoran say buy now before prices skyrocket. Is she right?
|
Jun 13, 2023 |
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145: A Bi-partisan bill to solve housing inventory?
|
Jun 09, 2023 |
|
144: What is house hacking? Loan programs, credit requirements, 4-3-2-1 house hacking method...
|
May 23, 2023 |
|
143: Issa rental scam
|
May 16, 2023 |
|
142: This may actually be the last Fed rate hike...
|
May 09, 2023 |
|
141: So your offer was accepted, now what...
|
May 02, 2023 |
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140: Lets get to the facts about Biden raising rates for folks with "good" credit.
|
Apr 25, 2023 |
|
139: Will this FHA ADU update help with affordability ?
|
Apr 18, 2023 |
|
138: There is no 40 year mortgage, your fav guru is wrong
|
Apr 11, 2023 |
|
137: Listen up before buying new construction
|
Apr 06, 2023 |
|
136: Greenbelts...
|
Apr 04, 2023 |
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135: The cost of waiting until 2024 to buy...
|
Mar 30, 2023 |
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134: Ramsey's 7 tips to pay off your mortgage ASAP
|
Mar 28, 2023 |
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133: Docs you'll need for a mortgage explained in 15 secs
|
Mar 23, 2023 |
|
132: Apparently 90% of 1st time homebuyer cant budget
|
Mar 21, 2023 |
|
131: Is the housing market really short 6.5M homes...
|
Mar 16, 2023 |
|
130: SVB explained in layman terms and the housing market impact
|
Mar 14, 2023 |
|
129: Start here to improve your credit
|
Mar 09, 2023 |
|
128: Real estate gridlock 🚗🚙🛻...
|
Mar 07, 2023 |
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127: Rise of the corporate landlord...
|
Mar 02, 2023 |
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126: TD Jakes, 95 Acres, Wakanda & The Citadel
|
Feb 28, 2023 |
|
Broken News: Biden Administrations reduces FHA mortgage insurance. But is it a big deal?
|
Feb 24, 2023 |
|
125: I bet you don't know these or your money back
|
Feb 23, 2023 |
|
124: You down with DSCR, yeah you kn.. (nevermind this title is corny)
|
Feb 21, 2023 |
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123: Not a Dave Ramsey bash fest. Review Rachel Cruze's 1st time home buyer tips
|
Feb 16, 2023 |
|
122: V Day House Hacking Play 😘
|
Feb 14, 2023 |
|
121: This is what 1,001 people said about buying a home in 2020 & 2021
|
Feb 09, 2023 |
|
120: Wait the USDA does loans!? And they're 0% down
|
Feb 07, 2023 |
|
Broken News.. Market Update, Fed increase rates .25% a few days ago
|
Feb 03, 2023 |
|
119: You're going to make 2 of these mistakes... unless you tune in.
|
Feb 02, 2023 |
|
118: Salute to Service. VA loan breakdown
|
Jan 31, 2023 |
|
117: These 11 cities will pay you to go there (btw i almost moved to one).
|
Jan 26, 2023 |
|
116: Is NACA legit? How does it work? Well here you go...
|
Jan 24, 2023 |
|
115: This may be the best loan program on the planet..
|
Jan 19, 2023 |
|
114: They never play this MLK speech...
|
Jan 18, 2023 |
|
113: The best conventional loan break down you'll hear this year
|
Jan 17, 2023 |
|
112: Is Wells Fargo really backing out of the mortgage industry?
|
Jan 12, 2023 |
|
111: The best FHA guidelines breakdown you'll ever hear
|
Jan 10, 2023 |
|
110: Is this $$20M in reparations for stolen land?
|
Jan 05, 2023 |
|
109: 2023 Home Buying Manifesto
|
Jan 03, 2023 |
|
Wait... The USDA does loans? And they're 0% down.
|
Jan 03, 2023 |
|
108: New Fannie Mae guidelines made it easier to get a mortgage w/ no credit score.
|
Dec 29, 2022 |
|
107: 2023 rental market update
|
Dec 20, 2022 |
|
106: How the 2023 housing market is impacted by the Fed’s .5 percent (50 bps) rate hike & new guidance
|
Dec 15, 2022 |
|
105: Will 2023 be the worse housing market since 2011: Redfins 11 predictions for 2023
|
Dec 13, 2022 |
|
104: How to get a 2020 interest rate in 2023 (w/o a time machine)
|
Dec 06, 2022 |
|
103: New (million dollar)loan limits announced for 2023
|
Nov 30, 2022 |
|
102: Morgan Stanley's 2023 U.S. housing market outlook prediction isn't too promising
|
Nov 29, 2022 |
|
101: JP Morgan Chase is buying $1 billion worth of rental homes. America will be a nation of renters.
|
Nov 22, 2022 |
|
100: What to do if a debt collector files a false claim: Listener Mail Time
|
Nov 18, 2022 |
|
99: Wells Fargo loan origination down 90%, U.S. loan volumes collapses, layoffs coming. Clickbait or Naw?
|
Nov 17, 2022 |
|
98: Experian boost is a scam and doesn't improve your mortgage credit/FICO scores. Sources provided.
|
Nov 15, 2022 |
|
97: Listener Mail: Who is responsible for paying a realtor's commission and what to do if its less than normal.
|
Nov 11, 2022 |
|
96: What is a 2:1 interest rate buy down: The pros and cons explained by a mortgage lender...
|
Nov 10, 2022 |
|
95: Fed raised interest rates 75 points, the highest hike since 2008: How this impacts housing market...
|
Nov 08, 2022 |
|
94: Using high rates to you advantage: what I would do if I was buying a home in this housing market
|
Nov 03, 2022 |
|
93: 10 debt collector violations that’ll earn you $1000 from the Fair Debt Collections Practices Act
|
Nov 01, 2022 |
|
92: What staying in a million dollar Airbnb taught be about generational wealth & generational actions
|
Oct 27, 2022 |
|
91: What are red flags to be ware of when touring a home?
|
Oct 25, 2022 |
|
90: Fannie Mae October housing market forecast through 2023. Analyzing appreciation, rates & home sales.
|
Oct 20, 2022 |
|
89: I had my mortgage declined by my own company. Here are 5 lessons I learned from the stressful experience.
|
Oct 18, 2022 |
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88: When is the best time of year to buy a home? It not when you think it is.
|
Oct 13, 2022 |
|
87: Indigenous Day Episode: Why its so hard for Native Americans to get mortgage & available loan programs
|
Oct 10, 2022 |
|
86: Why to day is not like the 2008 housing market crash using actual housing data, not assumptions
|
Oct 06, 2022 |
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85: Tips on how to find down payment assistance program in 2022. Tips from a mortgage lender. "Juicy"
|
Oct 04, 2022 |
|
84: What does Jerome Powell/ Federal Reserve mean by a housing market reset? Is this like the 2008 crash
|
Sep 29, 2022 |
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83: Don’t sell grandma’s home; do this instead (gift of equity or seller financing) "Story of OJ"
|
Sep 27, 2022 |
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82: Are we in a housing recession? Is the market crashing? Should I wait until next year to buy a home?
|
Sep 22, 2022 |
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81: Can you trust the big banks when getting a mortgage?
|
Sep 20, 2022 |
|
80: Legacy Home Loans mortgage for only black borrowers a convo with cofounder Nick Gouché
|
Sep 15, 2022 |
|
79: 100 Doors and counting; scaling your real estate portfolio w/ Tarik McAllister @reekestate
|
Sep 13, 2022 |
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78: Is Bank of America’s no money down 1st time home buyer Minority Loan Program a scam? pt2
|
Sep 08, 2022 |
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77: Bank of America's No Down Payment Mortgage for minority communities: guidelines breakdown. "B Side Freestyle"
|
Sep 06, 2022 |
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76: Breaking down the finances behind 6 yrs of home ownership (pros & cons) “Can’t Tell Me Nothing”
|
Sep 01, 2022 |
|
75: From the NFL to top producing Dallas realtor w/ Anthony Armstrong
|
Aug 30, 2022 |
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74: What is a real estate investment trust? (REIT) “I Get Money (remix)”
|
Aug 25, 2022 |
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73: 10 home buying myths first time home buyers should know. "Dead Wrong"
|
Aug 23, 2022 |
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72: Maryland SmartBuy 3.0 Student Loan Forgiveness Program, 2022 Update “H to The Izzo”
|
Aug 18, 2022 |
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71: What happens to your loan during the underwriting process? "Over My Dead Body"
|
Aug 16, 2022 |
|
70: Things you should consider when buying a new construction home. “BMF”
|
Aug 11, 2022 |
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69: How to manage rental properties while having a 9 to 5 w/ Tramaine Robinson the "9 to 5 Landlord"
|
Aug 09, 2022 |
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68: Should you buy a home during a recession? Let’s talk home prices, rates & jobs “Put on (remix)”
|
Aug 04, 2022 |
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67: The housing discrimination suit again Berkshire Hathaway shouldn’t shock you & action step to take to reduce the chance you'll be discriminated against "The Backstabbers"
|
Aug 02, 2022 |
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66: How to properly interview your realtor before buying your 1st home "Big Poppa"
|
Jul 28, 2022 |
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65: 2022 FHA loan guidelines and requirements “Pump It Up”
|
Jul 26, 2022 |
|
64: How to get a perfect credit score "2 of Amerikaz Most Wanted"
|
Jul 21, 2022 |
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63: Buying land using other people's money & creating Hivemind the all in 1 CRM w Daniel Esteban Martinez
|
Jul 19, 2022 |
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62: Why mortgage brokers are better than direct lenders. “Free Masons”
|
Jul 14, 2022 |
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61: Why mortgage brokers are not better than direct lenders. “Roc Boys”
|
Jul 11, 2022 |
|
State of the Union
|
Jul 11, 2022 |
|
60: Bruce’s Beach, seized by LA in 1924, returned to black family’s descendants my take & a market update.
|
Jul 07, 2022 |
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59: Becoming a debt free millionaire at 31, through real estate with financial coach Steven Stack
|
Jul 05, 2022 |
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58: Builder cancels couple's dream home 6 days before closing. "Canceled for convenience". What can you do?
|
Jun 30, 2022 |
|
57: What are mortgage points and how to determine if they make sense for you
|
Jun 28, 2022 |
|
56: Building generation wealth w/ a handout & house hacking w/o my roomie knowing I owned the place w/ @Coinsnculture
|
Jun 23, 2022 |
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55: The Fed raised interest rates; here are the other 10 factors that determine your mortgage rate
|
Jun 21, 2022 |
|
54: Why you need to make 40x the rent in NY (160k a year) and why this is the same in every city
|
Jun 16, 2022 |
|
53: Million dollar real estate & landing celebrity clients with Nathaniel Pitchon-Getzels
|
Jun 14, 2022 |
|
52: How VA loans work
|
Jun 09, 2022 |
|
51: How to retire early through real estate and Turo using business credit with @The Wealthy G
|
Jun 07, 2022 |
|
50: Will there being a housing crash? Let's look at the data
|
Jun 02, 2022 |
|
49: How to make money with tax liens, black wealth & entrepreneurship with Ericka Williams Classy Climb
|
May 31, 2022 |
|
48: The overlooked Black History of Memorial Day.
|
May 30, 2022 |
|
47: How to get a mortgage with student loans. Guideline breakdown
|
May 26, 2022 |
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46: Immediate steps to take to buy a home in 2022
|
May 19, 2022 |
|
45: NFTs, Crypto, buying land in the Metaverse and more-House Rich Re(novation)-run w/ Jared T Ross
|
May 17, 2022 |
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44: How NACA works 2022: guidelines, requirements, timeline & the process
|
May 12, 2022 |
|
43: How the Detroit real estate market is bouncing back and 1st time home buyer tips w/ Darryl Dibbs of EXP
|
May 10, 2022 |
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42: What to do about rising interest rates?
|
May 05, 2022 |
|
41: From poverty, to Wall Street to retiring at 37 from real estate with KayR
|
May 03, 2022 |
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40: House Hacking 101: How to live rent free (sort of)
|
May 02, 2022 |
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39: Lessons learned from losing $50K on an FHA 203k loan w/ Eugene Marshall @__mrmarshall
|
Apr 26, 2022 |
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38: FHA Loan Break Down: 7 things you don’t know.
|
Apr 21, 2022 |
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37: From minimum wage to a million dollars in real estate using small banks w/ Lamon Woods Ceo Of Woods Family Estates LLC
|
Apr 19, 2022 |
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36: How an FHA 203k rehab loan works, 2022
|
Apr 14, 2022 |
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35: How hard money lending works w/ Rod Stanback CEO & Founder of Flip Funding
|
Apr 12, 2022 |
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34: Don’t sell grandma’s house. Use a gift of equity instead.
|
Apr 07, 2022 |
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33: How to Buy Your 1st Home in 2022
|
Apr 05, 2022 |
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32: 3 craziest ways I’ve lost real estate deals
|
Mar 31, 2022 |
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31: Building real estate tech platform and selling million dollar homes w/ Stephen Lewis of Ink Realty & Homematchx
|
Mar 29, 2022 |
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30: When to do as cash-out refi v a HELOC (home equity line of credit)
|
Mar 24, 2022 |
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29: How to grow your social media brand w/ YouTube & TikTok w/ Safiya Martin, Philly's #1 mobile notary @safiyamartin_
|
Mar 22, 2022 |
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28: Most Medical Debts to Be Removed From Consumers' Credit Reports. The impact on home buying.
|
Mar 19, 2022 |
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27: How to remove credit inquires & how they impact your credit score
|
Mar 17, 2022 |
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26: How to buy a hotel with the Hotel Diva Davonne Reaves
|
Mar 15, 2022 |
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25: Well Fargo Rejects Half It’s Black Applicants During Refi Boom: Reaction & Solutions
|
Mar 13, 2022 |
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24: 4, 3, 2 Dream Home. The proper house hacking strategy for financial independence.
|
Mar 10, 2022 |
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23: Why gentrification is good and how to buy a lot, build from scratch and vet your builder Tyron McDaniel, Houston Vintage Homes
|
Mar 08, 2022 |
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22: If you credit repair person says one of these 3 thing... run !!!
|
Mar 03, 2022 |
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21: Investment Crash Course: Stocks, crypto, inflation. w/ Philip Washington of Wealth-Building Made Simple
|
Mar 01, 2022 |
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20: How to go from 0 - 12 doors in 12 months, The Ultimate House Hack
|
Feb 24, 2022 |
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19: How two Detroit investors bought a 52-unit apartment building w/ The Monopoly Bros
|
Feb 22, 2022 |
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18: 6 questions first time home buyers MUST ask your mortgage lender
|
Feb 17, 2022 |
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17: From developing affordable housing to building the Retreat @ Lake Noire w/ Scottie Smith II
|
Feb 15, 2022 |
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16: Review: Chase's Home Mortgage’s DreaMaker, down payment assistance program
|
Feb 10, 2022 |
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15: How to start a podcast; 200k downloads and counting with Sam Dolciné of Black Real Estate Dialogue (BRED)
|
Feb 08, 2022 |
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14: Mortgage Lender Overlays: What are they & why do lenders have them?
|
Feb 07, 2022 |
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13: Create your own down payment assistance, premium pricing & how rising rates impact you
|
Feb 03, 2022 |
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12: Getting paid what you're worth by building a digital & physical real estate empire w/ Todd Capital (Charles Olgelsby)
|
Feb 01, 2022 |
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11: Overview on buying a new construction home
|
Jan 21, 2022 |
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10: Gaining financial independence by using NACA (twice) w/ Andre Haynes aka @renissance125
|
Jan 18, 2022 |
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9: Investors nabs $68M E. Harlem portfolio. Response and solutions (what lender look for)
|
Jan 13, 2022 |
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8: How to purchase virtual land in the Metaverse, why it's valuable, NFT's & more w/ Jared T Ross
|
Jan 11, 2022 |
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7: This LA couple is building their real estate portfolio locally & internationally w/ @christhemoneymom Christian Lovell
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Jan 04, 2022 |
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6: 10 step to becoming a homeowner in 2022 (or whenever)
|
Jan 03, 2022 |
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5: Breaking Down Your Fico/ Credit Model
|
Dec 28, 2021 |
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4: How NAREB fights for democracy in housing w/J Rashad Thomas The HomeOwnership Ambassador
|
Dec 21, 2021 |
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3: Is The FHA 203K rehab loan Program, The Best Loan w/ Kadeem Howell
|
Dec 14, 2021 |
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2: When to use an FHA loan versus a Conventional loan
|
Dec 09, 2021 |
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1: Leave your 9 to 5 by becoming a notary w/ Rafaniel Jimerson of The Stampin’ Academy
|
Dec 07, 2021 |
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Episode 0- The Foundation
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Nov 26, 2021 |