Why You’re Asking the WRONG Question About Interest Rates - 345

If you’re hoping to buy a home in 2025, these four foundational steps will give you the strategy, support, and clarity you need to finally make it happen. Most first-time buyers don’t get blocked by credit or income—they get stuck because they’re guessing their way through the process. In this episode, David breaks down the four most important things you need to focus on right now to become a homeowner in 2025. From how to plan your offer timing to why your lender might be more important than your budget, this episode gives you a real roadmap—not just a motivation boost.

Whether you’re a renter trying to time the market or already saving and unsure what to do next, this is your starting line.

Quote:

“Don’t worry about the interest rate right now. Just start planning like you’re buying at 7%—and if it’s better than that when you’re ready, bonus.” — David Sidoni

Highlights:

• Why the market isn’t crashing—and what to expect in 2025
• The four pillars every first-time buyer must lock in before they start shopping
• How to know the right time to act (even if your lease isn’t up yet)
• Why rate watching and budget guessing are slowing you down
• How your lender—not just your pre-approval—can make or break your offer
• What to do if your credit, savings, or timeline still feel off

Referenced Episodes:

• Episode 94 – Real Estate Terms & Definitions
• Episode 328 – 10 Real Action Steps for First-Time Buyers
• Episode 341 – May 2025 Market Update
• Episode 340 – Lending Strategy with Kelly Cort

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David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to findin