Dave Ball @HouseRichDave - Podcast Details

Shows

The 1st Time Homebuyer Show w/ Gizmo by House Rich191: Why is the underwriting process so ruffUse my network to find a realtor (that doesn't suck) near you https://homeandmoney.com/houserichdave/ Gizmo and I explain why the mortgage underwriting process takes so long by covering the steps in the underwriting process, the underwriting timeline and common errors that can lead to delays. This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap. 🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️ 🤠I'm a Realtor in Dallas, TX. If you're looking to m...2024-07-0227 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich190: Sniffing out junk fees & how to reduce them yourselfGiz and I talk about the CFPB looking to eliminate "junk fees" from mortgage lenders and how you can reduce them yourself my understanding how to read a loan estimate. We talk about. We also talk about common mistake 1st time homebuyer make when looking at quotes from lenders. This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap. 🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️ 🤠I'm a Realtor in Dallas, TX. If you're looking to m...2024-06-2512 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich189: Brokers v Big Banks/Direct Lenders, who's top dog?Gizmo and I discuss the pros and cons if first time home buyers using a mortgage broker versus a big bank or direct lender when getting a home loan. Some of the items we cover are *seller perception *Does a mortgage broker or bank close loans quicker *Do mortgage brokers or banks have better loan programs *Common misperception *Why oversight on lenders matters This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real e...2024-06-1820 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich188: Is home maintenance really that ruff on FTBHs? The 2024 USA Today survey says...Giz and i discuss the 2024 USA today maintenance survey covering topics such as -annual home maintenance costs -How much homeowners spend yearly on maintenance -Hidden maintenance costs -Tips for new homeowners to reduce maintenance expenses This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap. 🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️ 🤠I'm a Realtor in Dallas, TX. If you're looking to move to the Dallas, TX area or...2024-06-1319 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich187: What to do if you can no longer afford your mortgage payment & why it increasesGizmo and I talk about the components of your mortgage payment (Principal, interest taxes, insurance and HOA dues) and which ones are likely to increase. What to watch out for with new construction homes when it comes to property taxes and solutions if you get into a pinch and cant afford your mortgage payment This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap. 🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️ 🤠I'm a Realtor in Dallas, T...2024-06-1114 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich186: Evaluating a neighborhood as a 1st time homebuyer (visual episode)This episode is very visual here in the YouTube link to see what I’m talking about: https://youtu.be/4iNV0x8d514?si=nq6-Y0wYeny6hW03 When touring a property make sure you are examining the neighborhood around the house because you don't want to love the house but hate the neighborhood. I explore everything from tips on evaluating where your HOA money is going, accessing neighbors landscaping to how to identify upcoming construction. This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real es...2024-06-0613 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich185: 9 Things 1st time homebuyers over look during a property tour (visual episode)Hey I'm back. **This is kind of a visual episode, see her for the Youtube link if you want to see what I'm referring to. https://youtu.be/0XKPpThZJKg I cover things 1st time homebuyers often overlooks when touring a property. I cover what to look for inside an outside of the home from checking the gradient of the property to giving a good hard look (or smell) as to why that good smelling candle is lit in the home. Looking for a home in Dallas? Schedule a call w/ me: https://calendly.com/houserich/dfw Outside of Dallas? Connect w...2024-06-0416 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich184: 9 places that'll pay you to move there; including one giving $19KI breakdown the article from realtor.com where they list 9 cities that will provide people that move there money whether they buy a home or not. Looking for a home in Dallas? Schedule a call w/ me: https://calendly.com/houserich/dfw Outside of Dallas? Connect w/ a dope Realtor in your local market: https://homeandmoney.com/houserichdave/ "These Places Will Pay You Tens of Thousands To Move There—but How Much Will It Really Cost You? Those struggling to come up with a down payme...2024-04-1613 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich183: Biden's $10,000 homebuyer credit & the state of the housing marketI breakdown president plan for the housing market as discussed during his state of the union speech. Looking for a home in Dallas? Schedule a call w/ me: https://calendly.com/houserich/dfw Outside of Dallas? Connect w/ a dope Realtor in your local market: https://homeandmoney.com/houserichdave/ During his State of the Union Address, President Biden will call on Congressional Republicans to end years of inaction and pass legislation to lower costs by providing a $10,000 tax credit for first-time homebuyers and people who sell their starter homes; bu...2024-04-0214 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich182: Squatter's Right's Explained: NYC squatter has homeowner arrested after breaking into her $1m homeI explain the history behind squatter's rights and why they still exist today. Most people confused squatter's rights, the right of tenants and criminals that have illegal broken into a property and are abusing tenants right's to stay in the property. Looking for a home in Dallas? Schedule a call w/ me: https://calendly.com/houserich/dfw Outside of Dallas? Connect w/ a dope Realtor in your local market: https://homeandmoney.com/houserichdave/ I also cover solution's to the squatter epidemic an well are talk about a guy n...2024-03-2515 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich181: Breaking... $418M Realtor lawsuit settlement & its impact on the 1st time homebuyerI cover the impact of settlement where National Association of Realtors will pay $418 million in damages and will amend several rules that housing experts say will drive down housing costs. I cover this from the point of view of the first time home buyer and how it will impact them from a position of increased fees, a decrease in knowledge and why first time home buyer in low to moderate income communities will be the most impacted Topic covered 01:43 NAR settlement case/verdict overview 02:38 How buyer’s agents are comp...2024-03-1822 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich180: 7.2M reasons you cant find a homeI cover the @realtordotcom article "U.S. Housing Supply Short 7.2 Million Homes" The topics covered are 03:41 The large margins for new home builders and why they can over incentives to new home buyers 04:40 Where the 7.2M deficit number comes from 06:23 Why the starter home is disappearing 08:20 Metros with the biggest deficit in single family homes "While the number of homes for sale has been recovering from pandemic-era lows thanks to a surge of new construction, a new Realtor.com® analysis found that the market is still missing up to 7.2 million homes, the result of more than a decade of und...2024-03-1109 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich179: Conventional v FHA the ultimate showdownI compared the benefits for an FHA loan versus conventional loan for 1st time homebuyers in 2024. The topics we cover are 01:33 FHA loan credit requirements 03:51 conventional loan credit requirements 04:41 Biden's loan level price adjust "hurting" those with good credit 05:21 Down payment requirements for FHA loans 06:00 Conventional loan down payment requirements 06:30 Update conventional loan housing hacking guidelines 06:52 Conventional loan vacation home and investment property guidelines 07:43 Occupancy requirements for FHA and conventional loans 08:01 Does an conventional or FHA loan have better rates 08:21 Differences in mortgage insurance between FHA and conventional loans 09:52: LTV explained and an example 11:34 How to drop mortgage insurance...2024-03-0618 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich178: Rates stuck at 7%, what happens next?I provide an updated 2024 interest rate forecast for the housing market as well as examine the external factors that impact your interest rates as well as the one you can control when it comes to your interest rate. Looking for a home in Dallas? Schedule a call w/ me: https://calendly.com/houserich/dfw Outside of Dallas? Connect w/ a dope Realtor in your local market: https://homeandmoney.com/houserichdave/ This is a show for millennial first time home buyers looking to buy their 1st home and build generational we...2024-02-2812 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich177: Does NACA suck? Lets find out...I review how to get a NACA loan in 2024 by going over the NACA guidelines listed in the NACA Qualifications Workbook as well as reviewing the NACA Homebuyer Workshop Presentation. These are the topics covered 1:35 Your 3 big questions about getting a NACA loan 2:50 NACA;s 10 steps to homeownership 3:00: Step 1 NACA workshop overview 3:17: step 2 Understanding the NACA membership portal 4:31: step 3 NACA qualification 4:45: 1st hand experience from a member & mindset for the NACA program 6:11 NACA's below market rate & priority v non-priority members 8:17 NACA priority and e...2024-02-2031 min

The 1st Time Homebuyer Show w/ Gizmo by House RichXX: Finding out I have Asperger's, a high functioning form of autism as an adultMaybe you can call this a very special episode. But on today's episode i discuss the realization i have Asperberg's syndrome as an adult how in hindsight it impacted my life from childhood to adulthood, how it brought me to where I am today and how I plan to cope going forward. "People with high-functioning autism/Asperger's often have difficulty with social situations, and they may not be able to understand the perspectives and feelings of others. However, their language and cognitive skills are often typical. People with the condition may al...2024-02-0644 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich176: VA Loans explained, share this info w/ a Vet if you aren't oneWhether you're a Veterans, Active duty service member, civilian or something in between this episode has something for you. We cover the update 2024 VA loan guidelines. Items covered are VA loans limits VA loan credit requirements VA loan residual income requirements VA loan residual income requirements What types of properties you can buy with a VA loan VA funding fees VA appraisals and more Looking for a home in Dallas? Schedule a call w/ me: https://calendly.com/houserich/dfw 2024-01-3012 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich175: Why renting a three-bedroom home is NOT cheaper than owning in 90% of the U.S (or anywhere)I discuss the bogus concept in the Marketwatch article that "Renting a three-bedroom home is cheaper than owning one in 90% of the U.S" The raw information was compiled by Attom a real-estate data analytics company that looked at single-family home prices between January and November 2023, as well as rental and wage data, for 338 U.S. counties with enough data to analyze Looking for a home in Dallas? Schedule a call w/ me: https://calendly.com/houserich/dfw Outside of Dallas? Connect w/ a dope Realtor in your local market: https://homeandmoney.com/h...2024-01-2207 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich174: FHA 203k Rehab loan, the best program ever?I cover the 2024 updates for the FHA 203K rehab / renovation loan which allows first time home buyers to roll the renovation cost into their loan. The items covered are -Max FHA 203k Loan amount -FHA 203k occupancy requirements -Financing mortgage payments -FHA 203k limited loan -HUD consultant -FHA 203k Standard Loan -Rates -Who can do the repairs -Financing scenarios -The FHA 203k Process Looking for a home in Dallas? Schedule a call w/ me: https://calendly.com...2024-01-1717 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich173: What can Shae (or you) afford on a $100K salaryI help you figure out how much home you can afford on your salary. I look at a client of mine's credit, income and credit to determine what kind of home she can qualify for on her 100k salary in Dallas. You can use these tips to determine how much you can qualify for based on your personal DTI. Oh BTW there is a big difference between afford and qualify, we talk about that too. Looking for a home in Dallas? Schedule a call w/ me: https://calendly.com/houserich/dfw Outside of...2024-01-1015 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich172: The 2024 Housing Market Forecast... Will there be a crash?I analyze 2024 housing market predication for industry experts as well as where interest rate will go in 2024. I look at 2024 housing market predications from the Mortgage Bankers Association, CoreLogic, Fannie Mae, Redfin, Zillow and more. Looking for a home in Dallas? Schedule a call w/ me: https://calendly.com/houserich/dfw Outside of Dallas? Connect w/ a dope Realtor in your local market: https://homeandmoney.com/houserichdave/ This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth th...2024-01-0417 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich171: Everything you wanted to know and MORE about conventional loans, huge 2024 updatesI cover the 2024 conventional loan guidelines. This is a mini-master class for 1st time homebuyers covers updates covering the new 2024 conventional loan limits 2024 new down payment requirements for house hacking How a gift of equity works History of Fannie Mae and Freddie mac Bidens LLPA credit updates conventional loan gift funds rules conventional loan first time home buyer requirements conventional loan income guidelines conventional loan credit requirement conventional loan DTI requirements Seller concessional for conventional loans 2023-12-2629 min

The 1st Time Homebuyer Show w/ Gizmo by House RichR.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.I discuss the CNN article concerning Navy Federal's discriminatory data. I also discuss question to ask when interviewing your mortgage lender to make sure they are a good fit for you. I also discuss 3 questions to ask your mortgage lender if your loan is denied The largest credit union in the US has the widest disparity in mortgage approval rates between White and Black borrowers of any major lender, a trend that reached new heights last year, a CNN analysis found. Navy Federal Credit Union, which lends to military servicemembers and ve...2023-12-1815 min

The 1st Time Homebuyer Show w/ Gizmo by House RichR.E.A.D 12/13 Fed hold rates steady, but are they really cutting rates in 2024?-The Federal Reserve held rates steady at the end of its two-day meeting Wednesday. -Many economists believe this concludes the central bank’s rate-hiking cycle, which aimed to bring down inflation without tipping the economy into a recession. -Still, the combination of higher rates and inflation has hit household budgets particularly hard. This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap. 🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️ 🤠I'm a Realtor...2023-12-1403 min

The 1st Time Homebuyer Show w/ Gizmo by House RichR.E.AD. 12/11 44% of Homes Purchased in '23 were by Private Equity Firms & Dems introduce bill to ban hedge fundsI discuss the report that 44% of all Single-Family Home Purchases were by Private Equity Firms in 2023 and tell what is and isn't true. I think cover how this relates to the bill and Democrats wanting to kick big investors out of the the housing market to improve affordability Looking for a home in Dallas? Schedule a call w/ me: https://calendly.com/houserich/dfw Outside of Dallas? Connect w/ a dope Realtor in your local market: https://homeandmoney.com/houserichdave/ This is a show for millennial first ti...2023-12-1408 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich170: Everything you need to know about FHA loans, 2024 updated breakdownI breakdown the updated 2024 FHA loan guidelines for 1st time home buyers. In this episode I break down. The history behind the FHA Who is eligible for an FHA loan Who is considered a 1st time homebuyer by the FHA The FHA loan occupancy requirements FHA loan credit guidelines Mortgage insurance for an FHA loan Pros and cons of an FHA loan v a conventional loan FHA rates v conventional loan rates 2024 FHA loan limits Seller concessions f...2023-12-0630 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich169: The most wonderfullll time of the yearrrrrI breakdown the best time of the year for a first time homebuyer to buy a home buy a home as a result of -new construction deals -negotiating power -tax benefits and more Looking for a home in Dallas? Schedule a call w/ me: https://calendly.com/houserich/dfw Outside of Dallas? Connect w/ a dope Realtor in your local market: https://homeandmoney.com/houserichdave/ This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth t...2023-11-2108 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich168: Lets go pocket watching, breakdown my commission check & quantifying the value to the buyerIn this weeks episode I break down a commission check for a deal i closed in Dallas to show you how much a realtor typically makes from the sale of the home. I also quantify in dollars the value I added to the transaction from a buyers perspective. Looking for a home in Dallas? Schedule a call w/ me: https://calendly.com/houserich/dfw Outside of Dallas? Connect w/ a dope Realtor in your local market: https://homeandmoney.com/houserichdave/ This is a show for millennial first time home buyers looking t...2023-11-1313 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich11/9 R.E.A.D w/ @blackrealestatedialogue NAR's collusion lawsuit and the future of the real estate industry@blackrealestatedialogue joins me this week to discuss the collusion lawsuit against the national association of realtors and the conspiracy to keep realtor commissions high. We cover -Impact of the NAR $1.78 collusion lawsuit on the industry -details of the trial -verdict -evidence -post-trail -listener feedback -impact on prices, sellers, buyers & Realtors This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and...2023-11-0950 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich167: How the $1.78B realtor collusion judgement will crush the first time homebuyerW cover the $1.78B Sitzer/Burnett collusion verdict against the National Association of Realtors and other major real estate brokerages due to inflating real estate commission. I break down the details of the case and answer the questions: -The big winner of the $1.78 realtor collusion lawsuit -Details of the NAR collusion lawsuit - Can you negotiate commission with your Realtor -How do realtors get paid? -How the National Association of Realtors Sitzer/Burnett lawsuit will negatively impact the first-time homebuyer by potentially increase the fees they incurred in order...2023-11-0621 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich11/2 R.E.A.D Fed pauses rate hikes again, future impact & $1.78B commission collusion lawsuit, 1st time homebuyer impactReal Estate After Dark covers this week's housing market news. This week's stories are Looking for a home in Dallas? Schedule a call w/ me: https://calendly.com/houserich/dfw Outside of Dallas? Connect w/ a dope Realtor in your local market: https://homeandmoney.com/houserichdave/ -Fed Extends Pause on Rate Hikes but Keeps Door Open to Moving Higher: The central bank is sorting through the implications of unexpectedly strong growth and higher borrowing costs. I'll discus how this may impact the 2023 housing market -Jury fi...2023-11-0214 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich166: How to get a throwback mortgage rateIn this week's episode we discuss assumable mortgages. An assumable mortgage allows the buyer to purchase a home by taking over the seller's mortgage loan. One reason buyers decide to buy a home with an assumable mortgage is to take advantage of financing with a lower interest rate if rates have risen since the seller originally purchased the home. Looking for a home in Dallas? Schedule a call w/ me: https://calendly.com/houserich/dfw Outside of Dallas? Connect w/ a dope Realtor in your local market: https://homeandmoney.com/houserichdave/ ...2023-10-3007 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich10/25 R.E.A.D w/ @blackrealestatedialogue: Rates hit 8%, Biden's new affordable housing plan & the rest of this week's housing newsReal Estate After Dark breaks this week's housing market news. Looking for a home in Dallas? Schedule a call w/ me: https://calendly.com/houserich/dfw Outside of Dallas? Connect w/ a dope Realtor in your local market: https://homeandmoney.com/houserichdave/ This week 'm joined by Sam of @blackrealestatedialogue and we discuss *Mortgage rates hitting 8% and if it is really the worst time ever to buy a home. *Biden Unveils Plan To Increase US Homeownership — How It Benefits Low-to-Middle-Income Families Looking To Build Generational Wealth...2023-10-2640 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich165: I bought a CPN !!I discuss the legality of buy a CPN. The process of buy a CPN. What happens when you buy CPN What you can use a CPN for. The upsells that happen when you buy a CPN and is buying a CPN worth it. Looking for a home in Dallas? Schedule a call w/ me: https://calendly.com/houserich/dfw Outside of Dallas? Connect w/ a dope Realtor in your local market: https://homeandmoney.com/houserichdave/ This is a show for millennial first time ho...2023-10-2317 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich164: What they don't tell you about the 2:1 buydownThese are the pros and cons for the 2-1 mortgage interest buy down. I also discuss properly budgeting for the future when doing a 3-2-1 or 2-1 rate buydown, I also discuss an alternative to the mortgage interest rate buy down. Looking for a home in Dallas? Schedule a call w/ me: https://calendly.com/houserich/dfw Outside of Dallas? Connect w/ a dope Realtor in your local market: https://homeandmoney.com/houserichdave/ This is a show for millennial first time home buyers looking to buy their 1st ho...2023-10-1911 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich10/15 R.E.A.D: The October inflation report's impact on housing market, Airbnb Renter 'From Hell', NAR commission lawsuit10.15 Real estate after dark we discuss this week's housing news: 1:22 I discuss the Oct 12th inflation report and the impact it has on the housing market: Inflation and the housing market: Decoding the latest numbers 6:43 The Airbnb "renter from hell". LA law protects Airbnb guest living at Brentwood rental for 500+ days without paying rent 12:57 The lawsuit against NAR, the National Association of Realtor, ReMax and other brokerage. NAR warns of “Wild West” if plaintiffs win broker commission lawsuit Looking for a home in D...2023-10-1618 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich163: How much home can I afford (and qualify for) on my salary?This is how a first time homebuyer can figure out how much home they can afford no matter what the interest rates are in their market. - I break down the major components of your debt to income ratio. -I break down the difference between what you can afford and qualify for Looking in Dallas? Schedule a call w/ me: https://calendly.com/houserich/dfw Outside of Dallas? connect w/ a dope Realtor in your local market: https://homeandmoney.com/houserichdave/ This is a show fo...2023-10-1012 min

The 1st Time Homebuyer Show w/ Gizmo by House RichR.E.A.D 10/4 Well Fargo's bold 2024 Prediction, The Fed likes what they see & solving the housing crisisThis week's housing market and home buying news. Real Estate After Dark 10/4 ☎️Looking in Dallas? Schedule a call w/ me: https://calendly.com/houserich/dfw 🗺️Outside of Dallas? connect w/ a dope Realtor in your local market: https://homeandmoney.com/houserichdave/ -Wells Fargo economists expect Fed to cut interest rates dramatically in 2024 -Fed's preferred inflation measure shows slowest monthly increase since 2020 -Biden's top economist says the key to ending the housing crisis is giving cities and developers monetary incentives to build more affordable homes This is a...2023-10-0612 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich162: Black Appraiser Matter Pt II: Is there racial bias in the appraisal industry?In part II discuss how racial bias impact the appraisal industry and how it impact minority communities with Devin Minnis & supervisor Jacquelin "Jack" Sonceau of Beltway Appraisal 2 black appraisers. -Is there racial bias in the appraisal industry? -We talk about a case where a black couple's home was evaluated $500k under -Can technology prevent racial bias in the appraisal industry? -Can training help prevent racial bias in the appraisal industry Looking in Dallas? Schedule a call w/ me: https://calendly.com/houserich/dfw Out...2023-10-0542 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich161: Black Appraisers Matter Pt I: How to become an appraiserI interview black appraisers Devin Minnis & supervisor Jacquelin "Jack" Sonceau of Beltway Appraisal. They are a rare breed as only 2% of appraiser are black. In part 1 of this episode well discuss. *The steps needs to become and appraiser *The qualifications needed to become and appraiser *What appraisers actually do *What appraisers look for when evaluating a property *How appraisers evaluate unique properties and more... This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth g...2023-10-0346 min

The 1st Time Homebuyer Show w/ Gizmo by House RichR.E.A.D 9/27: Insurance companies canceling policies due to climate change, section 8 lawsuits & Food desertsLooking in Dallas? Schedule a call w/ me:https://calendly.com/houserich/dfw Outside of Dallas? connect w/ a dope Realtor in your local market: https://homeandmoney.com/houserichdave/ This weeks 9/27 Real Estate After Dark, home buying news topics -homeowners insurance companies like state farms and farmers canceling and raising insurance premiums due to climate change -Douglass Elliman and 30 luxury agent involved in a fair housing lawsuit due to nor adequately helping a section 8 renter -Kevin Hart's remarks on corporations ignoring minority communities and the impact grocery stores have...2023-09-2921 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich160: Stupid or Liar: Credit EditionI break down the major scams and lies I see from unprofessional credit repair companies based on my real life experience in the mortgage industry. -Why credit repair companies cant legally guarantee timelines -The ridiculous of CPN and who they are illegal -Why mortgage inquires don't matter -Why credit repair companies suggest "don't pay collections" This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build bl...2023-09-2618 min

The 1st Time Homebuyer Show w/ Gizmo by House RichR.E.A.D 9/20 The Fed pauses rate hikes, housing impact•Why the Fed is raising rates •Fed rate hikes historically •Mortgage rates historically •Mortgage rate impact •Predictions for the Nov meeting This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap. 🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️ 🤠I'm a Realtor in Dallas, TX. If you're looking to move to the Dallas, TX area or a local looking to buy I'd love to help. I'm Veteran (Go Navy!!) and have helped 100s of Texas (and out of towners) buy homes...2023-09-2212 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich159:What first time homebuyers should look for during a home inspection w/ inspector Nita Davidson @househunter216I interview home inspector Nita Davidson on tips for first time homebuyers going through the inspection process we cover. -How to become a home inspector and how much home inspectors make -Setting expectations during the home inspection -10 major systems to look at during a home inspection -Deal breakers and non-deal breakers during a home inspection -Sewer scope inspections -Items 1st time homebuyers overlooks during a home inspections -How to handle mold during a home inspection -What 1st time homebuyers should look at...2023-09-1937 min

The 1st Time Homebuyer Show w/ Gizmo by House RichR.E.A.D 9/13- Lender fined for paying for referrals, why you've never heard about it & the rest of the weeks newsThis week's first time homebuyer news • CFPB fines Freedom Mortgage and Realty Connect for Illegal Kickbacks for referrals. I cover how to identify these pay for play schemes as a first time homebuyer and how to protect yourself • Will return to work policies increase inventory? • Is there a “black swan event” coming in the housing market • Rate lock volume plummets in least affordable housing market in 40 years • Q &A https://www.consumerfinance.gov/about-us/newsroom/cfpb-penalizes-freedom-mortgage-and-realty-connect-for-illegal-kickbacks/ https://markets.businessinsider.com/news/stocks/housing-m...2023-09-1522 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich158: (sigh) You're about to talk to a Realtor before you're readyIn this episode I cover questions that first time home buyers should be asking Realtors in order to make sure they are the right fit. 🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️ 🤠I'm a Realtor in Dallas, TX. If you're looking to move to the Dallas, TX area or a local looking to buy I'd love to help. I'm Veteran (Go Navy!!) and have helped 100s of Texas (and out of towners) buy homes in my pervious life in the mortgage industry (I'm a guidelines nerd). Reach out to work with me. 🤠In the DFW market? Schedule a planning call- https://calendly.co...2023-09-1214 min

The 1st Time Homebuyer Show w/ Gizmo by House RichR.E.A.D 9/6: 2023 Housing forecast update & why now is the best time in history to buy new constructionReal Estate After Dark 9/6: I breakdown the updated 2023 housing market forecast from Fannie Mae, Zillow, Wells Fargo Goldman Sachs, the Mortgage Bankers Association and other organizations. I also break down why builder incentives make this a great time to but a new construction home. This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap. 🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️ 🤠I'm a Realtor in Dallas, TX. If you're looking to move to the Dallas, TX area or a local looking to buy I'd love to help...2023-09-0911 min

The 1st Time Homebuyer Show w/ Gizmo by House RichReal Estate After Dark 8/30: Zillow's 1% program and why "experts" lie to youI discuss the guidelines for Zillow's 1% down loan program. I talk other companies that have 1% down loan programs and what to look for to identify if the program works for you. Why certain real estate gurus and personalities discourage you from using certain lenders. Finally i discuss the pros and cons of down payment assistance. This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap. 🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️ 🤠I'm a Realtor in Dall...2023-09-0820 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich157: My loan was declined: The Miseducation of David BallMy loan being decline right before my wife and I got married is what started my professional real estate journey. I go over that story, how I house hacked at 21 w/o my roommate knowing, bought my 2 property and this turned me home buyer education advocate and expert (can I call myself an expert?). This is a show for millennial first time home buyers looking for actionable steps to but their first home. 🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️ 🤠I'm a Realtor in Dallas, TX. If you're looking to move to the Dallas, TX area or a local looking to buy I'd love...2023-09-0521 min

The 1st Time Homebuyer Show w/ Gizmo by House RichBonus Episode: Is Earn Your Leisure right that affordable housing is a trap for the black community?Bonus episode. If you enjoy these type of episode let me know. I typically just do them on my YouTube In this episode I react to @EarnYourLeisure episode entitle "Housing Crisis: Is Affordable Housing a Trap? Landlords vs Tenants, Where Can You Afford to Live?". I give my feedback on -Is there an Airbnb crash? -If so will an Airbnb crash impact the housing market? -Will a rent strike work -Why is there a lack of affordable housing -Does affordable housing and rent control keep the black co...2023-08-1733 min

The 1st Time Homebuyer Show w/ Gizmo by House Richxx: State of the Union season 2 FinaleAppreciate y'all for tunning in. Wanted to provide an update on where things stand as well as give some feedback. email: hello@houserichshow.com Schedule a 1 on 1 or get a referral:https://calendly.com/houserich thanks, Dave --- Send in a voice message: https://podcasters.spotify.com/pod/show/houserichpod/message 2023-08-1502 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich156: Zillow & Fannie Mae 2024 housing market and interest rate predictionI cover Zillow, Fannie Mae and AEI's 2024 housing market predictions as well as where mortgage interest rates will go in 2023 and 2024. This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap. 🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️ 🤠I'm a Realtor in Dallas, TX. If you're looking to move to the Dallas, TX area or a local looking to buy I'd love to help. I'm Veteran (Go Navy!!) and have helped 100s of Texas (and out of towners) buy homes in my pervious life in the...2023-08-0809 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich155: Starter home prices hit all-time highs, here's why they may never go downFirst-Time Buyers Need to Earn 13% More Than a Year Ago to Afford the Typical starter Home. I discuss why that is the case and why home prices for starter homes in the US may never experience a crash. I also over the top 50 metros and how much the average homebuyer needs to buy a home. @redfin article:https://www.redfin.com/news/starter-homes-price-income-needed-increase/ This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and...2023-08-0308 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich154: Home prices are up 41.79% (yikes)...According to recent data from @fortune the home prices in the US are up 41.79% since the start of the pandemic. In this episode I cover -the home prices increase in 20 major US markets -Why you already missed the housing crash -Why the supply of home in the US will stay at all-time lows This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap. ...2023-08-0108 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich153: The Fed raises rates again. Is that light at the end of the tunnel or a train?Jerome H. Powell, the Fed chair, announced that the central bank raised interest rates to a range of 5.25 to 5.5 percent, the highest level since 2001. The Fed's monetary policy actions are guided by our mandate to promote maximum employment and stable prices for the American people. This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap. 🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️ 🤠I'm a Realtor in Dallas, TX. If you're looking to move to the Dallas...2023-07-2806 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich152: Reacting to a CFA's gloomy housing market prediction**Really curious on your feedback on this episode, would you like to see more or less episode like this? I break down Larry Cheung's "Housing Market Predictions: The 2023 Housing Crash Has Just Begun (It's Now Completely Illiquid)" video. I think its a well thought out premise and back up with data but lacks over all context. Let me know your thoughts, who do you agree with and let me know what videos/takes should break down next This is a show for millennial first time home buyers looking to buy their 1st home a...2023-07-2525 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich151: The housing crash is over, listen to me talk about the 4 charts that prove it.https://youtu.be/fVgnKl1k3u8 Base on the % of home price increases and decrease in the top 200 housing markets it looks like the housing market crash/correction ended in June of 2023. I also examine -How the consumer price index and inflation impacts the housing market -How the Federal reserve raising the bench mark rates impacts the market -Why the information in your local market matter than what happening nationally This is a show for millennial first time home buyers looking to buy their 1st home and build generational...2023-07-2011 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich150: Why don't you have the money to buy a home?How to find down payment assistance and home buyer grants for your city, count and state when buying a home. These down payment assistance programs and grants are geared toward first time home buyers. This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap. 🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️ 🤠I'm a Realtor in Dallas, TX. If you're looking to move to the Dallas, TX area or a local looking to buy I'd love to help. I...2023-07-1113 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich149: Homes under $300k are slowly disappearing...The U.S. housing market is missing about 320,000 home listings valued up to $256,000, the affordable price range for middle-income buyers (households earning up to $75,000). Middle-income buyers can afford to buy less than a quarter (23%) of listings in the current market. Five years ago, this income group could afford to buy half of all available homes. Among the 100 largest metro areas, El Paso, Texas; Boise, Idaho; and Spokane, Wash. have the fewest affordable homes available for middle-income buyers. Conversely, three Ohio metro areas – Youngstown, Akron and Toledo – have the most. This i...2023-06-2715 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich148: Why Dallas' Airbnb ban is coming to your city nextFour years after first taking up the issue, Dallas City Council voted just before midnight Wednesday to ban short-term rentals or STRs like Airbnb and Vrbo in areas with single-family zoning. Roughly 1,000 STRs are currently registered in single-family areas and would now become illegal with enforcement beginning in December. Thousands of others are estimated to be currently operating across the city. Until now, STRs operated without any regulations to manage them. I breakdown -The reason Dallas banned short term rentals -Who Dallas short term rental ban impacts -The Da...2023-06-2017 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich147: So the Fed is pausing the rate hikes, just to raise them later !?!?After its sharpest flurry of interest rate hikes in four decades, the Federal Reserve held its key rate steady Wednesday but signaled two more increases are likely this year as officials continue to battle high inflation. That’s more projected hikes than financial markets and many economists anticipated. The decision leaves the benchmark rate at a range of 5% to 5.25%. It marks the first meeting at which the central bank hasn’t raised its federal funds rate since January 2022. This is a show for millennial first time home buyers looking to buy...2023-06-1510 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich146: Barbara Corcoran say buy now before prices skyrocket. Is she right?In a recent Fox Business interview, real estate entrepreneur and “Shark Tank” star Barbara Corcoran shared her prediction for when home prices will rise, how much she expects them to increase and more. I take a look at the data to show why she is right. This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap. 🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️ 🤠I'm a Realtor in Dallas, TX. If you're looking to move to t...2023-06-1310 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich145: A Bi-partisan bill to solve housing inventory?Rep. Jimmy Panetta (D-CA-20) and Rep. Mike Kelly (R-PA-16) introduced the More Homes on the Market Act, which would amend the tax code to incentivize more homeowners to sell their houses and increase the market supply. This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap. 🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️ 🤠I'm a Realtor in Dallas, TX. If you're looking to move to the Dallas, TX area or a local looking to buy I'd love...2023-06-0905 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich144: What is house hacking? Loan programs, credit requirements, 4-3-2-1 house hacking method...How to house hack your way to financial freedom. -My person experience with house hacking -House hacking multi-unit and single family properties -House hacking with a conventional, FHA and USDA loan -How to screen and find tenants as a new landlord -Setting your goals when house hacking This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap. 2023-05-2330 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich143: Issa rental scamRental scams are becoming more and more prevalent. In this episode we cover -How to vet the listing online before you contact the "landlord" -How to vet the "landlord" if you meet in person -Why you need to meet your "landlord" in person -Red flags when it comes to providing money to the "landlord" This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the...2023-05-1612 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich142: This may actually be the last Fed rate hike...We discuss how the Federal reserve's May 3rd, 25 basis point rate hike impacts the housing market, how inflation is driving the rate hikes and where interest rates have been and where they may go. The Federal Reserve raised its key interest rate another quarter of a percentage point on Wednesday in its ongoing bid to crush inflation, but indicated it could pause the increases to assess the impact of monetary tightening on the U.S. economy. The Fed's rate-setting body said it would raise its benchmark rate to a range between 5% an...2023-05-0907 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich141: So your offer was accepted, now what...Getting under contract is only part of the home buying process in today's episode we discuss -Making sure your mortgage pre-approval is solid - What your underwriter looks for -4 things you need for a mortgage approval -Loan Estimate v a Closing Disclosure -Why the mortgage process "takes so long" This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap.2023-05-0215 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich140: Lets get to the facts about Biden raising rates for folks with "good" credit.Fannie Mae and Freddie Mac will enact changes to fees known as loan-level price adjustments (LLPAs) on May 1 that will affect mortgages originating at private banks nationwide, from Wells Fargo to JPMorgan Chase, effectively tweaking interest rates paid by the vast majority of homebuyers. The result, according to industry pros: pricier monthly mortgage payments for most homebuyers — an ugly surprise for those who worked for years to build their credit, only to face higher costs than they expected as part of a housing affordability push by the US Federal Housing Finance Agency. In today's espisode we'll breakdown on the fa...2023-04-2507 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich139: Will this FHA ADU update help with affordability ?The Federal Housing Administration (FHA) published for feedback a draft update to its requirements for insuring mortgages on single family homes with Accessory Dwelling Units (ADUs). The proposal adds additional flexibility in calculating market rent and in using ADU rental income to qualify for FHA-insured mortgage financing. If finalized, these updates would allow more borrowers to qualify for FHA financing for properties with ADUs, including 203(k) renovation loans. FHA’s action today advances the goals of the Biden-Harris Administration’s Housing Supply Action Plan. https://www.hud.gov/press/press_releases_media_advisories/hud_no_23_075 2023-04-1807 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich138: There is no 40 year mortgage, your fav guru is wrongThe news about the FHA new 40 year loan is inaccurate it is based on an article from @abc15 in Arizona, that did no research on an old story. The truth is the FHA announced this news months ago and formalized it in an announcement on March 8th. In this episode I break down -what the 40 years pertains to -How to vet false mortgage information -The pro and cons of a 40-year FHA mortgage is the story was accurate The true announcement: https://www.federalregister.gov/documents/2023/03/08/2023-04284/increased-forty-year-term-for-loan-modifications Ground 0 of...2023-04-1106 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich137: Listen up before buying new construction These are 7 things you should consider when buying a new construction property. This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap. 🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️ 🤠I'm a Realtor in Dallas, TX. If you're looking to move to the Dallas, TX area or a local looking to buy I'd love to help. I'm Veteran (Go Navy!!) and have helped 100s of Texas (and out of towners) buy homes in my pervious...2023-04-0611 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich136: Greenbelts... When buying a new construction property it is important to understand how the property near you is zoned. This is because what is built near you can negatively or positively impact your property values. This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap. 🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️ 🤠I'm a Realtor in Dallas, TX. If you're looking to move to the Dallas, TX area or a local looking to buy I'd love to help. I...2023-04-0408 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich135: The cost of waiting until 2024 to buy...In this episode I breakdown the pros (mostly) and cons of buying a home in 2023 versus waiting until 2023. I discus the financial cost of waiting, seller concessions, the level of competition and why it may benefit FHA buyers to purchase now. This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap. 🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️ 🤠I'm a Realtor in Dallas, TX. If you're looking to move to the Dallas, TX area or a local looking to...2023-03-3005 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich134: Ramsey's 7 tips to pay off your mortgage ASAPWe cover the amount you have to finance through a mortgage loan and the long-term commitment you’re making to real estate can be overwhelming. Completing a mortgage payoff early could save you a bundle of money, not to mention years of not having a big payment hanging over your head each month, according to Dave Ramsey, financial guru, author and host of “The Dave Ramsey Show.” -Extra payments on your mortgage -Bring your lunch to work -Pretending to do this -Getting smaller -Planning when buying a home -Fin...2023-03-2812 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich133: Docs you'll need for a mortgage explained in 15 secsThe docs most mortgage lenders will require when buying a home are details in this episode. I also cover scenarios where mortgage lenders may require more or less documentation. This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap. 🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️ 🤠I'm a Realtor in Dallas, TX. If you're looking to move to the Dallas, TX area or a local looking to buy I'd love to help. I'm Veteran (Go Navy!!) and have...2023-03-2306 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich132: Apparently 90% of 1st time homebuyer cant budgetNine out of 10 homeowners who bought a home in the last three years say they were unprepared for the extra costs of maintaining and financing their property, according to a new survey of 1,000 U.S. homeowners by Real Estate Witch, a real estate education platform. https://www.cnbc.com/2023/03/17/90-percent-of-homeowners-underestimated-costs.html 🤠I'm a Realtor in Dallas, TX. If you're looking to move to to the Dallas, TX area or a local looking to buy I'd love to help. I'm Veteran (Go Navy!!) and have helped 100s of Texas (and out of towners) buy home...2023-03-2111 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich131: Is the housing market really short 6.5M homes...The United States is not building enough homes to account for the number of people setting up their own households. As a result, there is a sizable shortage of new homes after more than a decade of under-building relative to population growth, according to a new analysis from Realtor.com released Wednesday. The gap between single-family home constructions and household formations grew to 6.5 million homes between 2012 and 2022. However, this figure overstates the housing shortage, since new multi-family homes offer options both to buyers and renters. If multi-family construction is included — which is predominantly rental units — this gap is c...2023-03-1608 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich130: SVB explained in layman terms and the housing market impactI breakdown the Silicon Valley Bank Collapse so that the average person can understand it. I also talk about how it could cause the Federal Reserve to lower interest rates and impact the housing market. I also talk about my experience working at a tech firm and not getting paid. Regulators shuttered SVB Friday and seized its deposits in the largest U.S. banking failure since the 2008 financial crisis and the second-largest ever. The company’s downward spiral began late Wednesday, when it surprised investors with news that it needed to raise $2.25 billion to shore up its ba...2023-03-1406 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich123: Not a Dave Ramsey bash fest. Review Rachel Cruze's 1st time home buyer tipsI review Rachel Cruze of Dave Ramsey's Solutions Tips for First-Time Home Buyers. She covers items such as: *Being debt free before buying a home (shocker right) *Affordability v what you can qualify for when buying a home *The best loan types for 1st time homebuyers (I disagree whole heartedly with this) *Budgeting for down payment on a home (she makes a common mistake most make) *Talking to a lender or realtor first (I like this) *Get clear on needs versus wants (my favorite one) ...2023-02-1619 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich79: 100 Doors and counting; scaling your real estate portfolio w/ Tarik McAllister @reekestateIn this week's episode I talk to @reekestate about scaling his real estate portfolio. How growing up in a real estate environment encouraged him to start his real estate journey. We also cover hard money, BRRR strategy, being your own contractors and much more. This is a great episode on leaning how this black entrepreneur built wealth through real estate. Tarik's IG- https://www.instagram.com/r.eekestate/ His Link Tree- https://linktr.ee/reekestate His Mentorship- https://www.mmiuniversity.com/ This is a show for millennial first time home buyers...2022-09-1340 min

The 1st Time Homebuyer Show w/ Gizmo by House RichSomething for me, something for youSend me a message at Hello@houserichshow.com. Thanks for listening, Dave 2022-06-0400 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich18: 6 questions first time home buyers MUST ask your mortgage lenderYou need to be interviewing your mortgage lender. For instance matching quotes, down payment assistance, turn times and programs. This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap. Home Buyer Education Email: hello@houserichshow.com First Time Home Buyer School- https://www.facebook.com/groups/fthbschool Home Buying & Credit Courses-https://coinsnculture.gumroad.com/l/rHHKs Podcast/Youtube- https://www.houserichshow.com 2022-02-1710 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich17: From developing affordable housing to building the Retreat @ Lake Noire w/ Scottie Smith IIIn this episode I speaking Scottie Smith II about buying and renovating his 1st home at 19, becoming a broker at 21, hosting Dallas 1st ever foreclosure bus tour, developing affordable housing is Dallas and his new project a 15+ cabin lake side retreat, The Retreat @ Lake Noire, which is just 90 miles outside of Dallas. This black entrepreneur is building black generational wealth through real estate development. Invest in the project: https://www.smallchange.co/projects/Retreat-at-Lake-Noire Scottie on IG: https://www.instagram.com/scottielsmith/ His Linktree: https://linktr.ee/scottielsmith This is a sh...2022-02-1543 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich16: Review: Chase's Home Mortgage’s DreaMaker, down payment assistance programJP Morgan Chase's program allows up to $5000 towards your cash to close, check the episode for the details and let me know what questions you have. This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap. Home Buyer Education Email: hello@houserichshow.com First Time Home Buyer School- https://www.facebook.com/groups/fthbschool Home Buying & Credit Courses-https://coinsnculture.gumroad.com/l/rHHKs 2022-02-1006 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich15: How to start a podcast; 200k downloads and counting with Sam Dolciné of Black Real Estate Dialogue (BRED)In this week's episode I talk to Sam Dolciné of Black Real Estate Dialogue (BRED) and getting into podcasting and hitting 200k downloads. Building relationships online, out of state investing and his online BRED Community. This black entrepreneur supports uses his platorm to promotes the stories of other real estate investors. BRED IG- https://www.instagram.com/blackrealestatedialogue/ LinkTree - www.blackrealestatedialogue.com/links This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to bu...2022-02-0848 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich14: Mortgage Lender Overlays: What are they & why do lenders have them?Per federal guidelines there is a minimum criteria borrowers must meet to qualify for home loans, however lenders are free to implementing additional guidelines known as mortgage overlays to decrease the likelihood that borrowers will default on their home loan. This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap. Home Buyer Education Email: hello@houserichshow.com First Time Home Buyer School- https://www.facebook.com...2022-02-0703 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich13: Create your own down payment assistance, premium pricing & how rising rates impact youI breakdown how to use premium pricing This may be better to watch on YouTube, heres the link https://youtu.be/625hQWvdbrs This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap. Home Buyer Education Email: hello@houserichshow.com First Time Home Buyer School- https://www.facebook.com/groups/fthbschool Home Buying & Credit Courses-https://coinsnculture.gumroad.com/l/rHHKs Podcast/Y...2022-02-0310 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich12: Getting paid what you're worth by building a digital & physical real estate empire w/ Todd Capital (Charles Olgelsby)I talk fatherhood, black entrepreneurship, out of state investing, brand building, building digital products, investing as a team and much worth w/ Charles Olgelsby aka Todd Capital the options king of Tweet Talk: The Black Wealth Podcast and The Millionaire Talk Show with Todd and Michelle. This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap. Home Buyer Education Email: hello@houserichshow.com First Time Home...2022-02-0155 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich11: Overview on buying a new construction homeTips and trick on buying a new construction home. Interim financing, construction timelines and big and small builders. This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap. Home Buyer Education Email: hello@houserichshow.com First Time Home Buyer School- https://www.facebook.com/groups/fthbschool Home Buying & Credit Courses-https://coinsnculture.gumroad.com/l/rHHKs Podcast/Youtube- https://www.houserichshow.com 2022-01-2110 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich10: Gaining financial independence by using NACA (twice) w/ Andre Haynes aka @renissance125I talk about the NACA program, life as a landlord, financial freedom, building a brand and much more w Andre Haynes. This black entrepreneur used the NACA rules to build generational wealth for him and his family. @renissance125 Andre's IG-https://www.instagram.com/renaissance125/ Linktree-https://linktr.ee/Renaissance125 YouTube-https://www.youtube.com/channel/UCXyTgZK_jyl1p-n5xdh1sRA/videos This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and...2022-01-1842 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich9: Investors nabs $68M E. Harlem portfolio. Response and solutions (what lender look for)Response to the article Jim Jones posted about fair housing. Solutions: NACA, VA loans, USDA & what a loan officer looks for. This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap. Home Buyer Education Email: hello@houserichshow.com First Time Home Buyer School- https://www.facebook.com/groups/fthbschool Home Buying & Credit Courses-https://coinsnculture.gumroad.com/l/rHHKs Podcast/Youtube- https://www...2022-01-1310 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich8: How to purchase virtual land in the Metaverse, why it's valuable, NFT's & more w/ Jared T RossI chat w/ Jared T Ross a Metaverse consultant about what the Metaverse is, digital real estate, virtual real estate, block chain, NFTs & more. Learn to build wealth by purchasing digital real estate. Black wealth https://www.instagram.com/jaredtross/Free NFT Masterclass https://www.nftequation.com/replayLinktree https://www.liinks.co/jaredtross This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap. Home Buyer Education E...2022-01-1140 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich7: This LA couple is building their real estate portfolio locally & internationally w/ @christhemoneymom Christian LovellI talk to Steve(@shotbyslim) and Chris Lovell (@christhemoneymom) about how their are building their real estate portfolio in LA through multi-family properties and have their eyes set on properties on the East coast and internationally. The couple is using house hacking to build their real estate portfolio and build wealth. Connect with @Christhemoneymom-Link Tree https://linktr.ee/christhemoneymom https://christhemoneymom.com/ This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black w...2022-01-0448 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich6: 10 step to becoming a homeowner in 2022 (or whenever)In this episode I cover 10 actionable steps to becoming a homeowner from credit to DTI to who to talk to. This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap. Home Buyer Education Email: hello@houserichshow.com First Time Home Buyer School- https://www.facebook.com/groups/fthbschool Home Buying & Credit Courses-https://coinsnculture.gumroad.com/l/rHHKs Podcast/Youtube- https://www.houserichshow...2022-01-0310 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich5: Breaking Down Your Fico/ Credit ModelBreaking down your mortgage FICO/credit score. Payment history – 35 percent of your FICO score. ... The amount you owe – 30 percent of your credit score. ... Length of your credit history – 15 percent of your credit score. ... Mix of credit in use – 10 percent of your credit score. ... New credit – 10 percent of your FICO score. #ficoscore #creditscore #credittips This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap. Home Buyer Education Email: hello@houserichs...2021-12-2808 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich4: How NAREB fights for democracy in housing w/J Rashad Thomas The HomeOwnership AmbassadorI talk with J Rashad Thomas the former President of NAREB's chapter of the Dallas Association of Realtist and fair housing, his real estate business and tips for 1st time home owners and realtors. He is the homeownership ambassador and focused on building wealth through home ownership especially in the black community. Connect with J Rashad here. https://www.instagram.com/homeownership_ambassador/ This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth a...2021-12-2133 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich3: Is The FHA 203K rehab loan Program, The Best Loan w/ Kadeem HowellI talk to Kadeem Howell about using the 203k loan program, NY real estate, HUD consultants and his vending business. This great way for a first time home buyer to get started in this competitive housing market and build wealth through real estate. Kadeem Howell-https://www.instagram.com/doctordeem/ This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap. Home Buyer Education Email: hello@houserichshow.com ...2021-12-1437 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich2: When to use an FHA loan versus a Conventional loanLearn when to use an FHA v a conventional loan. This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap. Home Buyer Education Email: hello@houserichshow.com First Time Home Buyer School- https://www.facebook.com/groups/fthbschool Home Buying & Credit Courses-https://coinsnculture.gumroad.com/l/rHHKs Podcast/Youtube- https://www.houserichshow.com IG- https://www.instagram.com/coinsnculture/ 2021-12-0906 min

The 1st Time Homebuyer Show w/ Gizmo by House Rich1: Leave your 9 to 5 by becoming a notary w/ Rafaniel Jimerson of The Stampin’ AcademyLearn what a real estate notary does, how to become one and how to make it a side hustle or use it to leave you 9 to 5. I talk to Rafaniel Jimerson of The Stampin’ Academy about building a national notary agency, Stamper Signings. Check out this real estate side hustle and see how Rafaniel is building black wealth. Grab Stamper's notary courses-https://gumroad.com/a/141579379 This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and...2021-12-0728 min

The 1st Time Homebuyer Show w/ Gizmo by House RichEpisode 0- The FoundationGet to know who I am, what we'll be talking about the podcast format and my personal real estate journey --- Send in a voice message: https://podcasters.spotify.com/pod/show/houserichpod/message 2021-11-2609 min