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Smart Homebuying Podcast: Formally knows as The First Time Home Buyer Podcast

Smart Homebuying Podcast: Formally knows as The First Time Home Buyer Podcast

Laura Moreno

Welcome to The Smart Homebuying Podcast! This is the podcast for parents who are ready to create a lasting foundation for their family. If you’re dreaming of a safe, stable home that you can truly call your own, where your kids can grow up with confidence and security, you’re in the right place. I’m Laura—a mom of two, a proud homeowner, and a dedicated homebuying coach here to help you achieve more than just a house. This journey is about building a secure future, investing in generational wealth, and finding that feeling of independence and accomplishment. You’ve worked hard, saved, and dreamed, and now I’m here to make sure those dreams come to life in the best way possible. Each week, three times a week, I’ll share solo episodes packed with actionable tips and invite experts to discuss everything from budgeting and finding a trustworthy agent to avoiding the common mistakes that can hold families back. This podcast is designed to empower you with the knowledge and confidence to make smart, future-focused decisions that align with your family’s biggest goals. And yes, I’m here as the real me—Hispanic immigrant, fun-loving mom, and friend who understands just how much this journey matters. I keep things honest, straightforward, and always with your family’s dreams in mind. I’ll even throw in some Spanglish here and there to keep it lively—because buying a home doesn’t have to be stiff and serious; it can be exciting, empowering, and yes, even a little fun! If you’re ready to take the leap, secure your family’s future, and reach that dream of homeownership with confidence, join me every Monday, Wednesday, and Friday. Let’s take one step closer to the home—and the life—you deserve. Tune in to The Smart Homebuying Podcast and start building the future you’ve always dreamed of!
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Top 10 Smart Homebuying Podcast: Formally knows as The First Time Home Buyer Podcast Episodes

Goodpods has curated a list of the 10 best Smart Homebuying Podcast: Formally knows as The First Time Home Buyer Podcast episodes, ranked by the number of listens and likes each episode have garnered from our listeners. If you are listening to Smart Homebuying Podcast: Formally knows as The First Time Home Buyer Podcast for the first time, there's no better place to start than with one of these standout episodes. If you are a fan of the show, vote for your favorite Smart Homebuying Podcast: Formally knows as The First Time Home Buyer Podcast episode by adding your comments to the episode page.

Smart Homebuying Podcast: Formally knows as The First Time Home Buyer Podcast - Why You Shouldn't Wait To Find The Perfect Home, with Sonny Pham - The First Time Home Buyer Podcast – Episode 168
play

07/01/22 • 36 min

Introduction

Sonny Pham is a real estate agent in San Jose, California. He has been in business for over 35 years and he loves seeing his buyers move into their dream homes. On top of that, he also has access to bank-owned properties being one of the only agents in San Jose that can those properties. Sonny is looking forward to hearing from you soon so that he can serve you for life.

Get In Touch

If you’d like to get in touch with our guest today, click on the link below and I will send you a warm introduction: https://lauramoreno.com/podcast-guest-warm-introduction/

Awesome Resources For First-Time Home Buyers

If you’d like to access other great resources for first-time home buyers just click on the link below: https://lauramoreno.com/homebuyer_resources/

Podcast Guest Search

If you’d like to find podcast guests for your specific location or profession just click on the link below to search for them: https://lauramoreno.com/podcast-guest-search/

Subscribe To The Podcast

Apple | Google | Spotify | Stitcher | iHeart

Connect With Me On Social Media

YouTube | Instagram | Facebook | Twitter | LinkedIn

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Smart Homebuying Podcast: Formally knows as The First Time Home Buyer Podcast - The Truth About SONYMA Down Payment Assistance Program with Christine Perlow

The Truth About SONYMA Down Payment Assistance Program with Christine Perlow

Smart Homebuying Podcast: Formally knows as The First Time Home Buyer Podcast

play

06/17/24 • 35 min

SONYMA Down Payment Assistance Program - Introduction

The Truth About SONYMA Down Payment Assistance Program with Christine Perlow

Christine Perlow is a Sr. Loan Officer at Nationwide Mortgage Bankers. She has been in the mortgage industry for over 30 years and she is most passionate about helping her First Time Buyers. She has been in the SONYMA Hall of Fame for the past 10 years and always in the top 5! She is the mom to twin boys who are 18 years old graduating from High School and heading off to college! Christine and her husband are enjoying this special time.

➡️ Brooklyn Agent Services:
  • If you'd like me to help you buy, sell, rent or renovate your home in Brooklyn, NY, let me know, I'd be happy to! Just send an email to [email protected] or text me at 347-440-9582.
➡️ Real Estate Referrals: SONYMA Down Payment Assistance Program - Free Home Buyer Resources: ➡️ Social Media

⭐ YouTube: https://www.youtube.com/@iamlauramoreno1 ⭐ Instagram: https://www.instagram.com/iamlauramoreno ⭐ Twitter: https://twitter.com/iamlauramoreno ⭐ LinkedIn: https://www.linkedin.com/in/Iamlauramoreno ⭐ TikTok: https://www.tiktok.com/@iamlauramoreno

➡️ Hire Me

⭐ Speaking, Events, Podcast Interviews, Collaborations & Endorsements -

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Smart Homebuying Podcast: Formally knows as The First Time Home Buyer Podcast - Assumable Mortgages 101: The Key to Your First Home, with Michael Lorino

Assumable Mortgages 101: The Key to Your First Home, with Michael Lorino

Smart Homebuying Podcast: Formally knows as The First Time Home Buyer Podcast

play

04/15/24 • 37 min

Assumable Mortgages 101 with Michael Lorino - Summary

Michael Lorino is the founder and CEO of AssumeList, a site where you can see Assumable Mortgages. A military veteran with over 15 years of real estate experience, Michael recognized the coming affordability crisis with rising interest rates and wondered how homebuyers could more easily find homes for sale with assumable loans. As he researched, he realized that no search tool existed, so he created AssumeList with the goal of making homes with assumable loans more accessible. Michael lives with his family in Alexandria, VA and enjoys spending time with his wife of 17 years and two young children.

Meeting Notes Veteran's Real Estate Journey and Challenges Michael Lorino, a recently retired military veteran and real estate agent with over 15 years of experience, shared his journey into the real estate business and his passion for helping families buy and sell homes. He explained that he and his wife divide their work roles, with Michael Lorino focusing on buyer transactions and his wife handling listings. They also discussed the challenges of managing their business and family life, especially during the busy spring market. Michael Lorino shared that their children sometimes accompany them to clients and participate in home showings, and that his mother helps with childcare when needed. Michael Lorino also highlighted the impact of rising interest rates on the mortgage industry, noting that current rates are around 6.5% to 7%, a significant increase from a few years ago. Assumable Mortgages: Benefits and Legality Michael Lorino and Laura discussed the concept of assumable mortgages, where a buyer can take over a seller's existing mortgage terms, including the interest rate. Michael Lorino explained this could be beneficial for buyers, as they could avoid taking out a new mortgage and save money on closing costs as they wouldn't need an appraisal or a new lender's title insurance policy. Laura highlighted that this could be especially useful for those buying homes with low, assumable mortgages. Michael Lorino confirmed that such mortgages are legal and are typically government-guaranteed. He further clarified that VA, FHA, and USDA loans are all assumable. Assumable Mortgages: Benefits and Challenges Michael Lorino discussed the potential benefits of assuming a mortgage on a new home, using a specific example of a military couple who were able to save significantly by assuming a loan with a lower interest rate. Michael Lorino emphasized that while this option can be beneficial, it may not be suitable for everyone. Laura expressed interest in how to find properties with assumable loans and whether she needed to be a VA veteran to qualify. Michael Lorino explained that only a small percentage of homes for sale have assumable mortgages, and they are typically government-backed loans. He also introduced a new search platform to help potential buyers find these types of properties. Mortgage Down Payment Requirements Discussed Michael Lorino explained the down payment requirements for mortgages, noting that it varies from property to property based on the current loan balances and the sales price. He illustrated this with an example of a $500,000 home where the existing owner's loan balance was $400,000, requiring a down payment of $100,000. However, he also highlighted that the length of time the previous owner had owned the property and the initial down payment they made could affect the feasibility of assuming the mortgage. Laura agreed, emphasizing the need to pay attention to the loan balance and sales price. Michael Lorino further explained that while some lenders offer a second mortgage option to cover the difference, it's not very common and buyers typically need to come up with at least 5% of the sales price as a down payment. Assumable Mortgages: Awareness and Challenges Laura and Michael Lorino discussed the lack of awareness about assumable mortgages, a financing option that allows buyers to take over the existing mortgage of a home they wish to purchase. Michael Lorino explained that while assumable mortgages are gaining traction, particularly in areas with high concentrations of military personnel, they are not yet widely known or advertised. He also pointed out that existing lenders, who profit from issuing new loans, are not incentivized to support assumable mortgages. Laura expressed a desire to learn more about Michael Lorino's platform and how it operates. Assumable Loans in Real Estate Transactions Michael Lorino and Laura discussed the process and potential advantages of assumable loans in real estate transactions. Michael Lorino explained that although assumable loans can take longer to process, the VA has issued new guidance directing lenders to process them within 45 days. He suggested that buyers could offer the savings from an assumable loan as an incentive to sellers, potentially making their offer more attractive. Laura cl...
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Smart Homebuying Podcast: Formally knows as The First Time Home Buyer Podcast - Why, When & How To FIRE Your Real Estate Agent, with Anne Schreiber

Why, When & How To FIRE Your Real Estate Agent, with Anne Schreiber

Smart Homebuying Podcast: Formally knows as The First Time Home Buyer Podcast

play

09/08/22 • 38 min

Introduction

Anne Schreiber owns a real estate business based out of Rancho Santa Fe, CA. The Schreiber Team focuses on supporting their clients with white glove service, strategic negotiating, and results. When Anne isn't working, she loves to spend time with her family, exercise, and in her passion which is acting.

Get In Touch With Our Guest Today

If you’d like to get in touch with our guest today, click on the link below and I will send you a warm introduction: Get In Touch With Our Podcast Guest Today

Podcast Sponsors

MyFico: 90% of top lenders use FICO® Scores—do you know yours? Check your FICO Score at MyFico.com

The Smart Home Buyer Calculator: Use our 4-in-1 super-smart calculator to make sure you know your numbers before buying your first home. Get it now at The Smart Home Buyer Calculator

Listen To A Podcast Guest In Your Area

If you’d like to find podcast guests for your specific location or profession just click on the link below to search for them: Podcast Guest Search

Find A Great Real Estate Agent Near You

If you’d like to find a great real estate agent near you, just go to this link: Real Estate Agent Near Me

Awesome Resources For First-Time Home Buyers

If you’d like to access other great resources for first-time home buyers just click on this link: First-Time Home Buyer Resources

Let's Talk

I'd love to talk to podcast listeners and get to know you all better! I can also help you answer any questions you have about buying your first home! So if you'd like to talk about that let's jump a quick call! Just schedule a time that works for you here: Schedule A Call With Laura Moreno

Feedback

I love receiving feedback so please, if you'd like to tell me how you'd improve the podcast, send me an email or schedule a call with me for that works for you here: Schedule A Call With Laura Moreno

Share The Love

If you know someone looking to buy their first home and you think this information would help them, just share it with them. They will really appreciate it.

Subscribe To The Podcast

Apple | Google | Spotify | Stitcher | iHeart

Connect On Social Media

YouTube | Instagram | Facebook | Twitter | LinkedIn

Do you want to start your own podcast?

Then enroll in The Free Podcast Course today, which is the course that I followed to create this podcast!

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Smart Homebuying Podcast: Formally knows as The First Time Home Buyer Podcast - The Art of Persuasion: Winning Your Dream Home with a Letter to the Seller, with Donovan Reyes

The Art of Persuasion: Winning Your Dream Home with a Letter to the Seller, with Donovan Reyes

Smart Homebuying Podcast: Formally knows as The First Time Home Buyer Podcast

play

04/22/24 • 23 min

Donovan Reyes - Introduction

Donovan Reyes is a real estate agent in Las Vegas. He sells over 100 homes a year to first time homebuyers, investors, professional athletes, and sellers. When he is not selling real estate, he is hanging out with his wife and 4 dogs.

Home Buying Resources

Navigating the world of home buying can be overwhelming, especially for first-time buyers. That's why we've compiled a list of valuable resources to guide you through the process seamlessly.

➡️ Referrals: ➡️ Free Home Buyer Resources: ➡️ Social Media

⭐ YouTube: https://www.youtube.com/@iamlauramoreno1 ⭐ Instagram: https://www.instagram.com/iamlauramoreno ⭐ Twitter: https://twitter.com/iamlauramoreno ⭐ LinkedIn: https://www.linkedin.com/in/Iamlauramoreno ⭐ TikTok: https://www.tiktok.com/@iamlauramoreno

➡️ Hire Me

⭐ Speaking, Events, Podcast Interviews, Collaborations & Endorsements - [email protected] ⭐ Schedule a 1-1 Home Buying Consultation → https://lauramoreno.com/1-1-consultation/

➡️ Contact Laura

I'd love to hear from you! If you have a longer question, or if you have a business-related inquiry, please send me an email at info@lauramoreno....

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Smart Homebuying Podcast: Formally knows as The First Time Home Buyer Podcast - Unlocking Wealth: Why Buying a Home Sooner is Your Best Investment with Nick Mullen

Unlocking Wealth: Why Buying a Home Sooner is Your Best Investment with Nick Mullen

Smart Homebuying Podcast: Formally knows as The First Time Home Buyer Podcast

play

05/06/24 • 26 min

Nick Mullen - Introduction

Nick Mullen is a real estate agent in Northern Virginia. He believes real estate is a great wealth building tool, and it’s available to everybody. Recently, he’s been working with buyers to acquire lots to build their dream homes. When he’s not working he enjoys the company of family, playing music with his friends, and tending to his houseplants.

Home Buying Resources

Navigating the world of home buying can be overwhelming, especially for first-time buyers. That's why we've compiled a list of valuable resources to guide you through the process seamlessly.

➡️ Referrals: ➡️ Free Home Buyer Resources: ➡️ Social Media

⭐ YouTube: https://www.youtube.com/@iamlauramoreno1 ⭐ Instagram: https://www.instagram.com/iamlauramoreno ⭐ Twitter: https://twitter.com/iamlauramoreno ⭐ LinkedIn: https://www.linkedin.com/in/Iamlauramoreno ⭐ TikTok: https://www.tiktok.com/@iamlauramoreno

➡️ Hire Me

⭐ Speaking, Events, Podcast Interviews, Collaborations & Endorsements - [email protected] ⭐ Schedule a 1-1 Home Buying Consultation → https://lauramoreno.com/1-1-consultation/

➡️ Contact Laura

I'd love to hear from you! If you have a longer question, or if you ha...

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Smart Homebuying Podcast: Formally knows as The First Time Home Buyer Podcast - Homebuying Mistake #4: Getting Too Attached to a Home

Homebuying Mistake #4: Getting Too Attached to a Home

Smart Homebuying Podcast: Formally knows as The First Time Home Buyer Podcast

play

11/18/24 • 19 min

It’s easy to fall in love with a home—but emotions can lead to overspending or overlooking major issues. I’ll share advice on how to balance your heart and your budget in today’s episode, and why keeping your financial goals in mind is essential.

💡 Want help staying on track with your goals? My Smart Homebuying Course will help you make informed decisions. Use code SMARTPOD to get 50% off until November 30, 2024!

📲 Visit my website: lauramoreno.com

📚 Course Link: Smart Homebuying Finances

📊 Data Source: List With Clever's Homebuyer Sentiment Study

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Smart Homebuying Podcast: Formally knows as The First Time Home Buyer Podcast - Unlocking Secrets: The 3 Questions Top Real Estate Agents Ask First Time Home Buyers, with Chastin J. Miles

Unlocking Secrets: The 3 Questions Top Real Estate Agents Ask First Time Home Buyers, with Chastin J. Miles

Smart Homebuying Podcast: Formally knows as The First Time Home Buyer Podcast

play

04/04/24 • 33 min

Introduction

Chastin J. Miles is a real estate agent who focuses on Dallas properties. He specializes in various types of real estate, like houses, condos, commercial buildings, and luxury rentals. Chastin J. Miles and his team aim to change the way people think about real estate transactions. They go above and beyond what typical agents do. Chastin J. Miles wants to be more than just a real estate agent. He wants to help people understand their local communities better. He also offers services in design, marketing, and sales for buyers, sellers, developers, and investors.

Home Buying Resources

Navigating the world of home buying can be overwhelming, especially for first-time buyers. That's why we've compiled a list of valuable resources to guide you through the process seamlessly.

➡️ Referrals: ➡️ Free Home Buyer Resources:
  • 🌟 Home Buying Checklist: Our comprehensive home buying checklist covers everything you need to consider when buying your first home. From budgeting to inspections, this resource ensures you stay organized and avoid common pitfalls.
  • 🌟 Best Home Buying App: Our app is one of the best home buying apps in the market that simplifies your search, organizes your preferences, and keeps you informed about the latest development on your home buying process. Finding your dream home has never been more convenient.
  • 🌟 Homes For Sale Aggregator: Our aggregator compiles listings from various sources, providing you with a centralized platform to explore available homes. Save time and energy by having all the information you need in one place with our homes for sale aggregator.
  • 🌟 First Home Buyer News: Stay in the know with the best newsletter for first time home buyers that delivers curated content, market insights, and expert tips directly to your inbox. It's the ultimate resource for staying informed and making informed decisions.
  • 🌟 Smart Home Buyer Calculator: Dive into the best home buyer calculator that includes 4 powerful calculators to help you understand if you should buy a home or not and understand how much exactly it will cost .
  • 🌟 Improve Your Credit Score: Your credit score plays a vital role in the home-buying process. Use our recommended credit score check tool to understand where you stand financially and to improve your credit score so and can pay less on your mortgage.
➡️ Social Media

⭐ YouTube: https://www.youtube.com/@iamlauramoreno1 ⭐ Instagram: https://www.instagram.com/iamlauramoreno ⭐ Twitter: https://twitter.com/iamlauramoreno ⭐ LinkedIn: https://www.linkedin.com/in/Iamlauramoreno ⭐ TikTok: https://www.tiktok.com/@iamlauramoreno

➡️ Hire Me

⭐ Speaking, Events, Podcast Interviews, Collaborations & Endorsements - [email protected] ⭐ Schedule a 1-1 Home Buying Consultation → https://lauramoreno.com/1-1-consultation/

➡️ Contact Laura

I'd love to hear from you! If you have a longer question, or if you have a business-related inquiry, please send me an email at [email protected]. I try my best to reply to a...

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Smart Homebuying Podcast: Formally knows as The First Time Home Buyer Podcast - FHA 203k Loan Requirements: Empowering Home Renovators With Andrew Winnard

FHA 203k Loan Requirements: Empowering Home Renovators With Andrew Winnard

Smart Homebuying Podcast: Formally knows as The First Time Home Buyer Podcast

play

04/08/24 • 33 min

FHA 203k Loan Requirements - Introduction

Andrew Winnard is a certified home inspector based in Maryland and HUD 203K consultant that takes great pride in the fact that he is able to work with home buyers to take advantage of one of the most powerful loan programs offered to the public.

Home Buying Resources

Navigating the world of home buying can be overwhelming, especially for first-time buyers. That's why we've compiled a list of valuable resources to guide you through the process seamlessly.

➡️ Referrals: ➡️ Free Home Buyer Resources:
  • 🌟 Home Buying Checklist: Our comprehensive home buying checklist covers everything you need to consider when buying your first home. From budgeting to inspections, this resource ensures you stay organized and avoid common pitfalls.
  • 🌟 Best Home Buying App: Our app is one of the best home buying apps in the market that simplifies your search, organizes your preferences, and keeps you informed about the latest development on your home buying process. Finding your dream home has never been more convenient.
  • 🌟 Homes For Sale Aggregator: Our aggregator compiles listings from various sources, providing you with a centralized platform to explore available homes. Save time and energy by having all the information you need in one place with our homes for sale aggregator.
  • 🌟 First Home Buyer News: Stay in the know with the best newsletter for first time home buyers that delivers curated content, market insights, and expert tips directly to your inbox. It's the ultimate resource for staying informed and making informed decisions.
  • 🌟 Smart Home Buyer Calculator: Dive into the best home buyer calculator that includes 4 powerful calculators to help you understand if you should buy a home or not and understand how much exactly it will cost .
  • 🌟 Improve Your Credit Score: Your credit score plays a vital role in the home-buying process. Use our recommended credit score check tool to understand where you stand financially and to improve your credit score so and can pay less on your mortgage.
➡️ Social Media

⭐ YouTube: https://www.youtube.com/@iamlauramoreno1 ⭐ Instagram: https://www.instagram.com/iamlauramoreno ⭐ Twitter: https://twitter.com/iamlauramoreno ⭐ LinkedIn: https://www.linkedin.com/in/Iamlauramoreno ⭐ TikTok: https://www.tiktok.com/@iamlauramoreno

➡️ Hire Me

⭐ Speaking, Events, Podcast Interviews, Collaborations & Endorsements - [email protected] ⭐ Schedule a 1-1 Home Buying Consultation → https://lauramoreno.com/1-1-consultation/

➡️ Contact Laura

I'd love to hear from you! If you have a longer question, or if you have a business-related inquiry, please send me an email at [email protected]. I try my best to reply to all e-mails but sometimes I do not have enough time to respond to everyone.

➡️ Disclaimer

Laura Moreno is not a practicing tax accountant or a licensed attorney or financial adviser. Therefore, the information in these videos shall not be relied upon as tax, legal, or financial advice ...

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Smart Homebuying Podcast: Formally knows as The First Time Home Buyer Podcast - Homebuying Mistake #3: Ignoring Additional Costs

Homebuying Mistake #3: Ignoring Additional Costs

Smart Homebuying Podcast: Formally knows as The First Time Home Buyer Podcast

play

11/15/24 • 9 min

Buying a home involves more than just a mortgage payment! In this episode, we’ll go over hidden costs like HOA fees, maintenance, and property taxes that buyers often forget. Don’t let these expenses surprise you—get prepared with real-life budgeting tips.

💡 Get organized and stay ahead of expenses! My Smart Homebuying Course offers a Home Buying Expenses Calculator. Use code SMARTPOD for 50% off until November 30, 2024!

📲 Visit my website: lauramoreno.com

📚 Course Link: Smart Homebuying Finances

📊 Data Source: List With Clever's Homebuyer Sentiment Study

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FAQ

How many episodes does Smart Homebuying Podcast: Formally knows as The First Time Home Buyer Podcast have?

Smart Homebuying Podcast: Formally knows as The First Time Home Buyer Podcast currently has 306 episodes available.

What topics does Smart Homebuying Podcast: Formally knows as The First Time Home Buyer Podcast cover?

The podcast is about Entrepreneurship, Investing, Home, Podcasts, Realestate, Mortgage and Business.

What is the most popular episode on Smart Homebuying Podcast: Formally knows as The First Time Home Buyer Podcast?

The episode title 'Why You Shouldn't Wait To Find The Perfect Home, with Sonny Pham - The First Time Home Buyer Podcast – Episode 168' is the most popular.

What is the average episode length on Smart Homebuying Podcast: Formally knows as The First Time Home Buyer Podcast?

The average episode length on Smart Homebuying Podcast: Formally knows as The First Time Home Buyer Podcast is 30 minutes.

How often are episodes of Smart Homebuying Podcast: Formally knows as The First Time Home Buyer Podcast released?

Episodes of Smart Homebuying Podcast: Formally knows as The First Time Home Buyer Podcast are typically released every 2 days.

When was the first episode of Smart Homebuying Podcast: Formally knows as The First Time Home Buyer Podcast?

The first episode of Smart Homebuying Podcast: Formally knows as The First Time Home Buyer Podcast was released on May 27, 2020.

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