Three Things I Wish I Did Sooner to Buy a Home (GUEST HOSTED)
How to Buy a Home
David Sidoni
4.8 • 859 Ratings
🗓️ 8 May 2025
⏱️ 23 minutes
🧾️ Download transcript
Summary
Struggling with student loans, self-employment, or just not knowing where to start? JT shares the top three things he wishes he’d done sooner to get closer to buying a home. This episode is hosted by JT, the Creative Director of How to Buy a Home—and an aspiring buyer himself. After editing over 100 episodes, he realized there were a few major steps he should’ve started years ago. Whether you’re a renter with debt, inconsistent income, or no idea where to begin, JT walks you through how credit repair, savings automation, and practicing your payment can completely reshape your timeline.
This is the perfect episode for anyone who’s not quite ready to buy—but knows they want to be. JT’s honesty and step-by-step reflection will resonate especially with:
• Freelancers or self-employed buyers
• Renters with debt or uneven income
• Anyone overwhelmed by where to start
It’s a deeply personal, no-fluff solo episode that captures the real mindset of a buyer-in-progress—offering both relatable struggles and practical next steps.
Quote:
“I didn’t think this podcast was for someone like me. And after hundreds of episodes, I finally realized—maybe I can do this.” — JT, Episode 342
Highlights:
- What’s holding you back—credit score, debt, income type, or all three?
- How becoming an authorized user can boost your credit fast
- Why automating savings—even in small amounts—creates long-term peace of mind
- How “practicing your mortgage payment” builds confidence and creates options
- Why starting these habits 6–12 months before you’re “ready” changes everything
- How JT turned podcast lessons into an actual plan for future homeownership
Referenced Episodes:
- Episode 274 – JT’s earlier homebuying mindset
- Episodes 301–310 – Starter Kit Series
- Episode 303 – Credit, Debt & Financial Prep
- Episodes 339–340 – Lender Strategy with Kelly Cort
- Episode 337 & 338 – How to Avoid Moving Scams
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.
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Transcript
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| 0:00.0 | If you're wondering where to start on the home buying journey, trust me, you're not alone. |
| 0:04.8 | I am the producer and editor of the How to Buy a Home podcast, and I've personally edited over |
| 0:09.3 | 100 episodes of this podcast. And recently, it's got me thinking about three things that I wish |
| 0:14.7 | I would have started sooner to help me on my home buying journey. Because as you're going to find out, |
| 0:19.1 | some things just take a little bit more time than others. And as you're going to find out, some things just take a little |
| 0:21.0 | bit more time than others. And as I listen to interview after interview, these are the things that I |
| 0:26.4 | find myself wishing I had started a few years ago. So if you're just getting started, I would hop on |
| 0:32.0 | these right now. And if you're wondering where to start now, here are a couple suggestions of where you can get started right now. |
| 0:40.7 | How to Buy a Home educates, protects, and connects first-time home buyers to qualify bedded realtors in their area. |
| 0:46.2 | Whether you're looking for DIY information or step-by-step guidance, How to Buy a Home is the number one resource for first-time home buyers. |
| 0:55.9 | All right, hello, and welcome to the How to Buy a Home podcast. So as I mentioned, I am David Sedone. I am J.T. Hazard, the creative director of |
| 1:01.5 | How to Buy a Home. And recently we've had some really interesting episodes that have got me thinking |
| 1:06.3 | about my home buying journey. So I shared with you guys in episode 274 why I'm not buying a home right now |
| 1:12.4 | and what are my personal hangups. The quick summary of that is I have a lot of student loans. |
| 1:18.5 | Not the regular amount of student loans. Student loans by themselves are typically not a deterrent. |
| 1:23.7 | The reason they're affecting me is because they've thrown my debt to income ratio out of |
| 1:28.4 | balance. And so because of that, I have to work on paying those down along with some other credit |
| 1:33.1 | card debt to fix that DTI so I can apply for the right types of home loans. However, along the way, |
| 1:39.7 | it's got me thinking about something David talks about all the time, which is, man, I wish I |
| 1:44.3 | started this process sooner. So another quick summary about my financial situation, because |
| 1:49.5 | everybody's different. I'm an independent contractor. I have been for a long time. I've worked |
| 1:55.2 | in music video production, film production in general, and these are typically not W2 jobs. |
... |
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