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Don’t Get Pre-Qualified—Get a Plan (INTERVIEW)

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Manage episode 479879287 series 2505056
Content provided by David Sidoni. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by David Sidoni or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://podcastplayer.com/legal.

Forget pre-quals and online rate shopping—this episode breaks down why discovery calls, custom strategies, and unicorn lender relationships are the real keys to homebuying success. In this first of a two-part conversation, David interviews unicorn lender Kelly Cort, who shares the most misunderstood truths about home loans—and how first-time buyers can stop wasting time online and start building a real plan. From rules vs. guidelines, to buying with debt, and even how your W-4 and tax strategy can raise your monthly affordability, this episode is packed with insight that could save buyers thousands.

Whether you’re afraid to “bother” a lender or just not sure when to start, this episode shows why early outreach and human strategy beat bots every time.

Quote:

“It’s not a bother. It’s a privilege. Allow us to be your guide in the journey.” — Kelly Cort, Episode 339

Highlights:

  • What’s the difference between a pre-qualification and a discovery call?
  • Why do so many buyers wait too long to talk to a lender—and how does it hurt them?
  • What’s the real difference between a loan rule and a guideline—and how can it change your approval?
  • Can you buy a home even with student debt or loans in forbearance?
  • How can adjusting your W-4 and tax strategy increase your monthly affordability?
  • Why do unicorn lenders view helping you early as an honor, not a hassle?

Referenced Episodes:

  • Episode 19 – Financial Prep for Homeownership
  • Episode 94 – Real Estate Terms & Definitions
  • Episode 328 – 10 Real Action Steps for First-Time Buyers

Connect with me to find a trusted realtor in your area or to answer your burning questions!

Subscribe to our YouTube Channel @HowToBuyaHome

Instagram @HowtoBuyAHomePodcast

Tik Tok @HowToBuyAHome

Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!

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.

Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

  continue reading

462 episodes

Artwork
iconShare
 
Manage episode 479879287 series 2505056
Content provided by David Sidoni. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by David Sidoni or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://podcastplayer.com/legal.

Forget pre-quals and online rate shopping—this episode breaks down why discovery calls, custom strategies, and unicorn lender relationships are the real keys to homebuying success. In this first of a two-part conversation, David interviews unicorn lender Kelly Cort, who shares the most misunderstood truths about home loans—and how first-time buyers can stop wasting time online and start building a real plan. From rules vs. guidelines, to buying with debt, and even how your W-4 and tax strategy can raise your monthly affordability, this episode is packed with insight that could save buyers thousands.

Whether you’re afraid to “bother” a lender or just not sure when to start, this episode shows why early outreach and human strategy beat bots every time.

Quote:

“It’s not a bother. It’s a privilege. Allow us to be your guide in the journey.” — Kelly Cort, Episode 339

Highlights:

  • What’s the difference between a pre-qualification and a discovery call?
  • Why do so many buyers wait too long to talk to a lender—and how does it hurt them?
  • What’s the real difference between a loan rule and a guideline—and how can it change your approval?
  • Can you buy a home even with student debt or loans in forbearance?
  • How can adjusting your W-4 and tax strategy increase your monthly affordability?
  • Why do unicorn lenders view helping you early as an honor, not a hassle?

Referenced Episodes:

  • Episode 19 – Financial Prep for Homeownership
  • Episode 94 – Real Estate Terms & Definitions
  • Episode 328 – 10 Real Action Steps for First-Time Buyers

Connect with me to find a trusted realtor in your area or to answer your burning questions!

Subscribe to our YouTube Channel @HowToBuyaHome

Instagram @HowtoBuyAHomePodcast

Tik Tok @HowToBuyAHome

Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!

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.

Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

  continue reading

462 episodes

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