71 – Interview With Randy, A New Homeowner, Unemployed With Zero Credit A Year Ago Who Just Closed On His $200,000 Home
How to Buy a Home: The #1 First Time Home Buyer Podcast
David Sidoni
4.8 • 891 Ratings
🗓️ 1 February 2022
⏱️ 25 minutes
🧾️ Download transcript
Summary
If you think buying a home is a pipe dream for you and seem YEARS away, then listen to our 25-year-old guest. At 24, Randy was unemployed with no credit. When he asked his bank if he could get a home loan, they told him to call back in a year. Yup, they gave him no instruction...just don't bother us now and figure it out. Then he went online and called Zillow. Their sage advice? "Uh, no." So, Randy kept working and one day found the podcast. Two months later, we are doing this interview from his new $200,000 three-bedroom home on a half-acre with a two-car garage and basement. YOU CAN DO THIS.
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David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with over 18 years 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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Transcript
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| 0:00.0 | All righty, what's happening my How to Buy a Homies? This is David Sedoney, and this is an interview |
| 0:06.3 | with a guy who's so young, I truly was embarrassed to ask him how old he was. And he called me to do |
| 0:12.5 | this interview from his new $200,000 house, the house that he now owns. Now, a year ago, Randy, who you're all going to meet, he had no job. |
| 0:23.8 | And he also paid cash for everything that he bought. |
| 0:27.1 | So he had no credit, zero credit score. |
| 0:30.2 | So he got a job. |
| 0:31.7 | And then he called his bank and said, hey, I got a job. |
| 0:33.8 | Can I get a small loan on a truck? |
| 0:35.6 | They said, yes. |
| 0:36.7 | Then he called them back and he asked for a loan on a truck? They said yes. Then he called them back and he asked |
| 0:38.2 | for a loan on a $60,000 house. His bank said no. Then he decided to go online and talk to Zillow |
| 0:46.3 | to see if they would lend him money for a house. They said no. Then he heard about my podcast on another |
| 0:52.8 | podcast. He reached out to me. |
| 0:54.8 | And now he closed on a $200,000 house eight months later. |
| 1:00.3 | There's nothing else to say. |
| 1:01.4 | You guys just hear this story. |
| 1:03.6 | Let's talk to Randy. |
| 1:04.7 | Yeah. Hey, gang, how to buy homies? It's me. It's January. And I just got a phone call from some dude sitting in his basement because he's in his house |
| 1:29.3 | and he's excited to be in his basement. |
| 1:32.7 | I don't know if that means he's a weirdo, but I'm excited for him. |
| 1:35.5 | It's because upstairs he's remodeling his whole new house. |
| 1:40.0 | Randy, how are you, buddy? |
... |
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