8 First Time Homebuyer Questions Answered (March 2026) - 458
How to Buy a Home: The #1 First Time Home Buyer Podcast
David Sidoni
4.8 • 891 Ratings
🗓️ 4 March 2026
⏱️ 31 minutes
🧾️ Download transcript
Summary
Mortgage rates have dropped below 6% and inventory is shifting, so David Sidoni answers eight of the most common questions first-time buyers are asking about today’s housing market.
Mortgage rates have recently dropped to 5.99%, the lowest level seen since August 2022. Current housing data also shows 44% more sellers than buyers, creating potential leverage for buyers in many markets. In this episode, David Sidoni answers eight of the most common questions first-time homebuyers are asking about mortgage rates, affordability, and market timing. The goal is to help buyers understand today’s market so they can make confident decisions instead of relying on outdated advice.
“Affordability is at its best in a long, long time.”
Highlights
• What are the best mortgage rates available right now for first-time buyers?
• Why does having more sellers than buyers matter for your home search?
• How do shifting mortgage rates affect affordability in today’s market?
• Is now actually a better time to buy than many people realize?
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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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Transcript
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| 0:00.0 | At the end of February, the national average for a 30-year fixed mortgage hit 5.99%. |
| 0:07.1 | Affordability is at its best that has been in a long, long time. |
| 0:10.3 | So today we're going to get you ready to leverage this for you by answering the seven most popular first-time home buyer questions asked. |
| 0:17.6 | Let's get you the answers so you can take advantage of all this. |
| 0:20.5 | Let's do this. |
| 0:22.3 | How to Buy a Home Educates, protects, and connects first-time home buyers to qualify bedded |
| 0:26.5 | realtors in their area. Whether you're looking for DIY information or step-by-step guidance, |
| 0:31.4 | How to Buy a Home is the number one resource for first-time home buyers. |
| 0:36.0 | What's up, my How to Buy a Homies? Man, I'm excited about today. Lots of really exciting information. I want to drop for you. Now, if you're brand new, you can listen to this, but then jump right to episode 400. That's your best place to start. And if you're here looking for the really detailed information about what's going on on the current market, that's the last episode 457. We'll put that episode guide for you in the show notes so you can find those. You could search through the titles in the episode guide if you're looking for questions about things that we don't get to today. Information on everything first-time homebuyer, it's all there. And hey, I know some of you've been listening for a while, so I'd like to ask you a quick favor. If this is helping you in any way, please take 90 seconds and write a review for us because now more than ever we need to get this message out to buyers who just feel helpless. Seriously, if you could pause, write a quick review, put it up on Spotify, Apple, or Google, wherever you want to put it, and then come on back, |
| 1:28.6 | then we can keep doing this show for you commercial free. |
| 1:31.8 | Okay, before I get into the questions, in January, I reported that there were 47% more sellers |
| 1:37.2 | than buyers. |
| 1:38.4 | Well, I just saw today it got amended to 44%. |
| 1:42.0 | So even through a crazy blizzard in a lot of the country, the buyers are |
| 1:46.4 | coming out in 2026. The good news is 44% more sellers than buyers is still great. You've still got |
| 1:52.9 | tremendous leverage. And when you pair that with the interest rates, that's looking good. |
| 1:57.4 | This is the second largest gap, that 44% all the way back to 2013. Gang, people who keep |
| 2:05.0 | saying, oh, I can't wait for things to get affordable again. This is it. I don't know if prices |
| 2:08.9 | are going to move, but this is really where affordability is in your corner once you understand |
| 2:15.2 | all your options. Now, that 44% more sellers than buyers, |
| 2:18.7 | that's a national statistic. And it's definitely not that way everywhere. But overall, |
| 2:23.5 | this is a really good sign of leverage for you guys. The numbers, they're insane in some cities. |
... |
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