First-Time Homebuyer at 36: Eve’s Story of Timing and Trust (INTERVIEW) - 427

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6d ago 29:51

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Eve didn’t let fear, deadlines, or market pressure stop her. With determination and $20,000 saved, she found the right team, the right timing, and the right program to make homeownership happen — even when it felt just out of reach.

When Eve’s landlord gave her 30 days to move out, she didn’t panic — she pivoted. At 36 years old, after years of renting, Eve took a chance on herself and on a dream that had always seemed out of reach. She had saved $20,000 and started exploring what felt like a longshot: becoming a homeowner.

What followed was a powerful example of what optimism, patience, and a little education can do. With guidance from David’s team and the right down payment assistance (DPA) program, Eve bought her first home — even when the numbers and timing barely worked.

Her story is an emotional reminder that first-time buyers aren’t just fighting math — they’re also managing hope, fear, and the courage to move forward. If you’ve ever doubted your chances, this episode is your proof that it’s possible.

“I was terrified. But I told myself: you’ve saved this money. You’ve worked this hard. You can figure out the rest.” - Eve

Highlights:

Eve had saved $20,000 by age 36, despite past credit challenges
Her landlord’s sudden notice pushed her to act faster than planned
She qualified for a county-level DPA program with tight income caps
The program opened at just the right time — and nearly closed before she could apply
She found a home priced at $418K and used her savings alongside assistance
Despite self-doubt, she pushed through and now sleeps better than ever — in her own home
This episode is about mindset as much as money: what happens when belief meets strategy

Referenced Episodes:

Episode 400: How to Buy a Home – Step 1: Decide (The Mindset Shift)
Episode 388: The Playbook VOL. 1 – The Rent Replacement Strategy
Episode 389: The Playbook VOL. 2 – Your Last Lease Ever
Episode 363: [Title not found; can search if needed]
Episode 418: 2026 Housing Market Predictions (and What 2025 Taught First Time Home Buyers)

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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 finding the right home and making an offer.

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