First Time Home Buyers: Chloe & Eduardo Close on a Home (INTERVIEW) - 424
How to Buy a Home: The #1 First Time Home Buyer Podcast
David Sidoni
4.8 • 891 Ratings
🗓️ 5 December 2025
⏱️ 54 minutes
🧾️ Download transcript
Summary
Two 25-year-olds became homeowners in 2025 with just $8,000—and almost no money at closing.
Watch the Interview on YouTube
Chloe and Eduardo beat the odds and bought their first home in one of the toughest markets ever—with less than most people spend on a used car. This episode breaks down how they did it, featuring both their story and insights from their unicorn realtor and lender. You’ll learn how assertiveness, education, and a trusted team made the impossible not only possible, but surprisingly affordable. Their journey is proof that the right guidance can help you break through fear and take action, even with limited resources.
“Without Max and Kelly, I don’t think we would have even known this was possible.” —Chloe
Highlights:
- Chloe and Eduardo bought at 25 while the national average age is 40
- Only $8,000 in savings to start
- Paid just $120.95 total at closing thanks to seller credits and down payment assistance
- Refunded most of their $3,000 earnest money deposit
- Time from beginning the process to closing: ~3 months
- Realtor Max used his own recent first-time buyer experience to guide them
- Lender Kelly secured down payment assistance that made the deal possible
- Their top tip: be assertive and have a responsive, knowledgeable team
- Emotional takeaway: belief, education, and support can outmatch money
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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 | Welcome to the show, How to Buy a Homies. Here in December at the end of 2025, I'm going to be bringing you a whole slew of interviews. Real-life people telling their real-life stories of how they did what the public think is impossible became first-time home buyers in 2025. |
| 0:18.5 | These stories have plenty of great tips and advice for how to buy a home, but if you're looking |
| 0:22.3 | for the beginner stuff, you just want to get started. |
| 0:25.6 | You're brand new to the podcast. |
| 0:26.8 | Go to episode 400. |
| 0:28.8 | Start there for the 10 steps, the ultimate home buying guide. |
| 0:33.1 | It's the nation's number one step-by-step instruction for first-time homebuyers. And don't forget to |
| 0:39.2 | check out episodes 388 and 389. That's the playbook on how to buy a home in this crazy new world |
| 0:46.7 | that we're living in. And I'm also going to put another episode for you in the show notes. |
| 0:51.2 | That's episode 363 where a 19-year- old bought a home. And the reason I'm doing |
| 0:56.1 | that is because there was a window of opportunity last year at this same time a year. And they |
| 1:01.8 | took advantage of it. Well, gang, we're in another winter window of opportunity for home buyers. |
| 1:08.0 | It's a buyer's market and things are looking great. The reason I call |
| 1:12.7 | the windows is because we don't know how long it's going to last because there's so much |
| 1:16.1 | demand that is just pent up right now. We're expecting them to all come out of the woodwork in March |
| 1:21.5 | and April. So I'm going to kick off the December interview fest with a really interesting one. I've got Chloe and Eduardo, but Chloe and |
| 1:30.3 | Eduardo were so excited about their process that they wanted to bring their unicorns on the show, too. |
| 1:35.4 | So we've got Unicorn Lender, Kelly, and Unicorn Realtor Max, and we've got everybody telling their |
| 1:42.5 | story. There's lots of great stuff in here. |
| 1:44.7 | And it's really interesting to hear the perspective because Max, their unicorn realtor, |
| 1:48.8 | his family's been in real estate and he's actually been around real estate since he was eight years old. |
| 1:54.0 | But he, Chloe and Eduardo, were all 25 years old together. |
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