In this episode, we tackle one of the biggest questions for anyone dreaming of homeownership: How much house can you actually afford? We'll unpack the common misconception of comparing rent payments directly to mortgage qualifications and dive into why it’s not always that simple. I’ll break down the key components of a mortgage payment—including p…

Is the winter season the right time to make a move in the housing market? In this episode, we break down the advantages and disadvantages of buying a home during the colder months. From motivated sellers and potential price reductions to limited inventory and holiday distractions, we’ll explore how the winter season can both benefit and challenge h…

In this episode, we dive into the affordable housing crisis and examine how the 2024 Presidential candidates plan to tackle this critical issue. From down payment assistance to inflation reduction, each candidate brings their own vision to the table, but which proposals stand a real chance of making housing more affordable? Join us as we break down…

Understanding your credit score can be one of the most crucial steps in the homebuying journey. In this episode, we break down what a credit score really is, how it's calculated, and why it plays such a pivotal role when securing a home loan. Whether you're a first-time buyer or looking to refinance, knowing how lenders use your credit score to det…

In the wake of Hurricanes Helen and Milton, many homeowners are discovering painful gaps in their insurance coverage. In this episode, we break down the critical differences between home insurance and flood insurance, so you can ensure you're protected before the next storm hits. We'll explore what each policy covers (and doesn’t), debunk common my…

In this episode, I share five must-read books for anyone aiming to buy their first home. We'll explore two key factors that make all the difference: your income and how you manage it. From improving your financial situation to mastering money stewardship, these book recommendations will give you the insights and tools you need to confidently move t…

In this episode we dive deep into the world of real estate numbers to help you make sense of the stats you see in the market. From median home prices to inventory levels and days on market, we’ll break down the key indicators that shape the real estate landscape. Learn how to interpret these metrics and use them to your advantage. Tune in to gain t…

You’ve found the perfect home, gone under contract, and your loan is pre-approved… what could go wrong? A lot, actually! In this episode, we dive into the real-life horror stories of homebuyers who thought they were in the clear, only to have financing issues derail their dreams at the last minute. Discover the costly mistakes you must avoid to kee…

In this episode, we dive into the complex world of home pricing. While we don’t have the power to set the price—that's the market's job—we do analyze six key factors to estimate a home's value accurately. Join us as we explore these variables and uncover the intricacies behind predicting what a home will sell for. Whether you're a seller, buyer, or…

In this episode, we dive into the complexities of unmarried couples buying a home together. Whether you're planning to get married or have no intention of tying the knot, purchasing property as a couple brings unique challenges and important decisions. Should you prioritize the wedding or the home purchase? What legal and financial considerations d…

In this episode, we dive into the popular phrase "Marry the House, Date the Rate" that's been making waves in the real estate world. Is it wise to focus on securing your dream home while planning to refinance later if rates drop? Or does this strategy come with hidden risks that could leave buyers in a tricky financial situation? We explore the pro…

In this episode, we discuss the concerning question, "is your real estate agent truly looking out for your best interest, or are they more focused on their commission?" Through personal stories and candid discussions, we explore the often unspoken concerns that many buyers have but may be hesitant to ask. Tune in to learn how to ensure your agent i…

In this episode, we dive into the world of off-market home purchases, where the best deals often stay hidden from public listings. We'll walk you the process, from finding these elusive properties to negotiating directly with sellers. Whether you're considering buying or selling an off market property, learn the insider tips that can give you a com…

In this episode, we explore two major changes shaking up real estate practice, specifically affecting buyer agents. We’ll unpack how these shifts are redefining buyer representation, commission structures, and the homebuying experience. It will also include insights on the legal and practical impacts to help agents and clients navigate this evolvin…

In this week's episode, we discuss why making the most of your home tour is crucial in finding the perfect property. We'll cover how to prepare both before and during a home showing, ensuring you know exactly what to look for and how to research effectively. We'll also highlight common mistakes buyers make and provide practical advice to help you a…

In this episode, we dive into the dangers of letting the desire to impress others hold you back from making important decisions, particularly when it comes to purchasing a home. Additionally, we discuss the concept of "opportunity cost" and how waiting for the perfect moment or a better deal can actually set you back.…

Join us as we explore the key clues to watch for during the home search process. Helping you identify potential issues before they become costly problems. We'll cover what to expect in the overall condition of a home you intend to purchase and offer practical advice on ensuring your investment is sound. Whether you're a first-time homebuyer or a se…

In this episode, we dive deep into the crucial decision of finding the best school for your child and how it intertwines with your home buying process. We'll explore various factors to consider, such as school ratings, extracurricular offerings, and community culture, ensuring you make an informed choice for your family's educational needs. I’ll al…

In this episode, we dive into the world of home property types, exploring the various options available to prospective homeowners. From single-family homes to condos and everything in between. We'll break down the key differences between each property type and what these differences mean for your ownership experience. Learn about the unique respons…

In this episode, we're diving into the top ten tweets in response to a question posed about the home buying features that initially seemed minor, but ended up being the bane of the homeowners' existence. From quirky design choices to unexpected maintenance nightmares, we'll break down these common pitfalls. I'll analyze the most popular/interesting…

In this episode, we dive into the essential questions you need to ask yourself before borrowing money from a family member for a home purchase. Navigating financial transactions with family can be tricky, and it's crucial to consider all aspects to maintain harmony and transparency. We'll unpack many of the key considerations, helping you make an i…

In this episode, I explain all about the my journey as a renter. The good, bad, and "bug infested" ugly of places I rented in the past. From my college days, all the way to being a married, parent of two. Renting played a major factor in the different phases of my life and the prices have risen astronomically. I'll also discuss how those price jump…

In this episode, I take you through the rollercoaster ride of my home buying journey—a story filled with unexpected twists, daunting challenges, and rewarding milestones. Unlike those who follow a straightforward path to homeownership, my experience was anything but linear. From financial hurdles and fluctuating markets to surprising setbacks and m…

In this episode of the Home Goals Podcast, we dive into the critical strategies you need to successfully save for your dream home. Whether you're a first-time homebuyer or looking to upgrade, these five tips will help you build the financial foundation necessary to make a confident and timely purchase without relying on external programs…

In this episode of Home Goals Podcast, we dive into the golden rule of real estate: "location, location, location." Join us as we discuss the key factors to consider when deciding on the best place to call home. Understanding the nuances of location can make or break your real estate decision. Plus, we'll discuss how much weight you should give to …

Join us as we explore whether or not a Realtor® is essential for your home search and what factors you should consider when making this important decision. Discover the advantages of having a professional guide you through the process, learn scenarios where buying a home with a Realtor® would be most beneficial, and identify warning signs that indi…

In this episode, we explore the myths and realities of renting, weighing its financial implications, lifestyle benefits, and long-term prospects. Through expert insights and real-life examples, we offer practical advice for deciding whether to rent or buy. Tune in to gain clarity on this pivotal decision and empower yourself with the knowledge need…

Join us as we demystify home buying essentials! From budgeting to loan types, we cover it all. Learn from our host's personal experiences with savings and side gigs. Tune in for expert tips and avoid common pitfalls on your path to homeownership!โดย Derrick Thornton, REALTOR®

Join host, Derrick Thornton in our debut episode as we unpack the pressing issue of the housing affordability crisis. We'll be sharing some eye-opening statistics highlighting the drastic changes in today's market. Discover the complex reasons behind the crisis, from economic shifts to policy decisions, as we delve into the heart of the matter. And…