How much money do you actually need saved to buy your first home? In this episode, I break down the "it depends" answer with a simple framework you can use to set a realistic savings goal for 2026, 2027, or whenever you're ready. You'll learn the three categories of money you need to plan for, what makes the number change based on your market and lifestyle, and how to think about your down payment in a way that supports your real life, not just a generic rule of thumb.

In This Episode, You Will Learn

• A clear framework to calculate your personal homebuying savings target.

• The 3 categories you need to save for (and why most buyers only plan for one.)

• How to decide what down payment amount makes sense for your goals and season of life.

• What influences closing costs and why location can change the number dramatically.

• What "cash to close" really means so you can plan with confidence.

• The often-forgotten post-closing expenses that can surprise new homeowners.

• How to set a savings goal based on timeline, lifestyle, and monthly payment comfort.

• What to consider if you want to explore down payment assistance in your area.

• A sanity-check baseline estimate to help you stop guessing and start planning.

Resources + Links

Check out this Mortgage Calculator!

Check out the Average Closing Costs by State (use percentage, NOT dollar amount) 

Get Your FREE Homebuying Masterclass HERE

Follow 

Instagram: @iamstacierihl

Website: stacierihl.com

💌 Leave a review to help more first-time buyers find this show!

Interest rate buydowns are everywhere right now, but most first-time buyers don't actually understand what they are or how they work. In this episode, I break down the two types of buydowns, what they really cost, and how they impact your monthly payment and long-term finances. I share real numbers, compare negotiating a lower purchase price versus negotiating a buydown, and how to decide which option makes the most sense for your goals. Tune in to learn how to use buydowns strategically instead of letting them quietly work against you.

In This Episode, You Will Learn

• The difference between temporary and permanent interest rate buydowns.

• How a 2-1 buydown works and why it's so popular right now.

• Examples showing how much a buydown can lower your monthly payment.

• Why lower payments today can turn into much higher payments later.

• The biggest mistake buyers make when assuming they'll just refinance.

• How permanent buydowns work and when they actually make sense.

• How to calculate your break-even point before paying for a lower rate.

• What questions to ask your lender so you can compare all options clearly.

Resources + Links

Learn more about Mortgage Amortization Calculator (NerdWallet) HERE

Check Today's Average Mortgage Rates HERE

Connect With a FAME Agent (Free) HERE

Get Your FREE Homebuying Masterclass HERE

Follow 

Instagram: @iamstacierihl

Website: stacierihl.com

💌 Leave a review to help more first-time buyers find this show!

If you've ever wondered what to really look for during a home tour, or what red flags could cost you thousands after closing, this episode is for you. I'm joined by home inspector Vince Tecce. He inspected both of my own homes and countless client properties, and today he's sharing insider advice that every first-time buyer should hear before making an offer. From spotting hidden water damage and understanding roof issues to knowing when to walk away after an inspection, this episode gives you the tools and confidence to make informed decisions without second guessing yourself.

In this episode, you'll learn:

• The top red flags to look for when touring a home.

• How to choose a qualified, trustworthy home inspector.

• What "new construction" doesn't always mean (and why newer isn't always better.)

• The most common, and expensive, issues first-time buyers overlook.

• When to request a mold test and when to skip it.

• The biggest mistakes new homeowners make after closing.

• Simple ways to prevent water intrusion, foundation problems, and future headaches.

Resources + Links

Get Your FREE Homebuying Masterclass HERE

Follow 

Instagram: @iamstacierihl

Website: stacierihl.com

💌 Leave a review to help more first-time buyers find this show!

How do you actually know if you're ready to buy your first home? In this kickoff episode of Your First Home Podcast, I'll walk you through six must-check boxes that every future homeowner needs to confidently say "I'm ready." From understanding your "why" behind buying a home to evaluating your finances, credit, debt, and income stability, you'll learn what it really takes to make one of the biggest financial moves of your life without the overwhelm. If you've ever wondered whether now is the right time to buy, or how to know when you're truly ready, this episode is your roadmap to clarity and confidence. 

In this episode, you'll learn:

• The six key signs you're ready to buy a home.

• Why your "why" matters more than your timeline.

• How to calculate what you actually need saved.

• What lenders really look for in your credit and income.

• The truth about equity, down payments, and long-term planning.

• Why it's normal to never feel 100% ready (and what to do anyway.)

Resources + Links

Get Your FREE Homebuying Masterclass HERE

Follow 

Instagram: @iamstacierihl

Website: stacierihl.com

💌 Leave a review to help more first-time buyers find this show!

Welcome to Your First Home Podcast - I'm your host and homebuying expert Stacie Rihl and I've spent the last 8 years helping first-time homebuyers like you make their dreams of owning a home reality. 

Buckle up, because we're about to demystify the process and learn everything we should have been taught in school about the biggest and most exciting purchase you'll ever make.

Your first home. 

Home buying has its own timeline, and the biggest mistakes happen when buyers wait too long, or get emotional too early. In this episode, I break down the six steps that will set you up for a smooth, confident homebuying journey next year. I also talk about how "home-buying time" works towards building your wishlist, choosing your F.A.M.E. agent, and knowing exactly when to bring in a lender. Tune in if you want to avoid surprises, stay in control of your budget, and make 2026 the year you buy the right home, not just any home.

In This Episode, You Will Learn

• Why it's already "2026" in home-buying time.

• The very first step every future buyer should take (before looking at a single house).

• How to define your "maximum monthly payment" so emotions don't take over.

• The must-have vs nice-to-have list for every first-time buyer.

• How to tell if your wishlist is realistic for your local market.

• Why the right real estate agent matters more than ever for first-time buyers.

• Why your lender needs to be local (and how it impacts your offer).

• When to actually start touring homes based on your move timeline.

Resources + Links

Connect With a FAME agent here (free)

Get Your FREE Homebuying Masterclass HERE

Follow 

Instagram: @iamstacierihl

Website: stacierihl.com

💌 Leave a review to help more first-time buyers find this show!

Most first-time buyers worry about getting a "good deal" on a house, but the real place people lose money is on their mortgage. In this episode, I break down how interest actually works, why amortization is so misunderstood, and how a normal 7% rate on a $400,000 loan quietly turns into almost a million dollars over 30 years. I share the questions lenders hope you don't ask, the numbers to run before you buy, and the steps that help you get a better rate and keep more of your money long-term. Tune in to learn how to avoid the most expensive mistakes buyers make.

In This Episode, You Will Learn

• Why most people misunderstand mortgage interest rates.

• How amortization quietly shifts most of your early payments straight to interest.

• Why your mortgage barely goes down in the first few years (and why that's normal).

• How to use an amortization calculator to see your true long-term costs.

• How a quarter-point difference in your rate can save tens of thousands of dollars.

• The credit score ranges that unlock the best mortgage pricing.

• Why you should always get quotes from multiple lenders.

• Post-closing strategies that reduce your total interest.

Resources + Links

Learn more about Mortgage Amortization Calculator (NerdWallet) HERE

Check Today's Average Mortgage Rates HERE

Check Your Credit Free HERE

Get Your FREE Homebuying Masterclass HERE

Follow 

Instagram: @iamstacierihl

Website: stacierihl.com

💌 Leave a review to help more first-time buyers find this show!

What does it really take to save for your first home, especially when it means paying off debt, saying no to short-term temptations, and making a major life move? In this episode, I'm joined by first-time homebuyer and money coach Nick Loera, who spent nearly five years paying off debt, building savings, relocating from California to Texas, and renovating his new home almost entirely by hand. Nick shares the financial habits that help you stay consistent, the conversations couples need to have before buying together, and why saving is as much about mindset as it is about math. Get ready to feel prepared and motivated to create your own roadmap to homeownership.

In This Episode, You Will Learn

• Why long-term saving is normal and how to stay focused when progress feels slow.

• The money habits that help you pay off debt and build savings at the same time.

• What renovating a home really requires.

• How to decide whether buying or renting makes sense in your current season of life.

• Exercise to align with your partner on wants, needs, and deal-breakers.

• How to avoid comparison and second-guessing once you're under contract.

• How to choose your ideal down payment.

Resources + Links

Listen to Just Another Money Podcast HERE

Get Your FREE Homebuying Masterclass HERE

Follow 

Instagram: @iamstacierihl

Website: stacierihl.com

Nick: @habitfinances

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Saving for your first home doesn't just depend on how much you earn, it's about how intentionally you spend. In this episode, I'm joined by money coach and Overcoming Overspending founder Paige Pritchard to talk about the mindset and emotional habits that quietly keep you from saving that down payment. Paige shares the "money map" strategy, how to make budgeting feel empowering instead of restrictive, and why overspending often has more to do with dopamine and social media than math. Get ready to take control of your spending and build momentum toward your savings goals.

In This Episode, You Will Learn

• Sneaky spending leaks most buyers underestimate.

• The #1 red flag of overspending.

• How to spot "silent overspending" even if you're debt-free.

• Paige's "money map" method for saving first and spending second.

• Why dopamine, emotions, and social media fuel impulse buying.

• How to make saving feel satisfying with visual progress trackers.

Resources + Links

Get Your FREE Homebuying Masterclass HERE

Follow 

Instagram: @iamstacierihl

Website: stacierihl.com

Follow Paige: @overcoming_overspending

💌 Leave a review to help more first-time buyers find this show!

Say goodbye to mortgage mystery and "I wish I'd known" mistakes. In this episode, I'm joined by Theoni Rappo (aka Not Your Daddy's Lender) to simplify what first-time buyers actually need to know: we're talking realistic down payments, when (and how) to tap a 401(k), what underwriters look for on bank statements, how gift funds really work, job-change do's and don'ts, and the fastest ways to build credit if you didn't start early. You'll leave with a step-by-step pre-approval plan, the exact prompt to estimate your debt to income ratio, and a simple money setup that makes saving for your first home almost automatic. 

In This Episode, You Will Learn

• Realistic first-time down payments (3%–3.5%, NOT 20%.)

• When using a 401(k) loan makes sense.

• What underwriters scrutinize on bank statements and deposits.

• How to receive gift funds without documentation headaches.

• Job-change rules: offer letters, first pay stub requirements.

• How student loans count toward your monthly debt.

• Pre-approval basics: what expires after 90 days.

• Options to quality if you're self-employed.

Resources + Links

Get Your FREE Homebuying Masterclass HERE

Follow 

Instagram: @iamstacierihl

Website: stacierihl.com

Theoni: @theonithelender

💌 Leave a review to help more first-time buyers find this show!

Let's demystify building a new home vs. purchasing resale (without the surprises, costly upgrades, or "wish we'd known" regrets) with today's guest and Houston new construction expert, Andrea Ruiz. If you're deciding between building from dirt or moving into something that's already finished, this episode walks you through everything from timelines, inspections, warranties, financing incentives, taxes, HOAs, and the subtle red flags most first-time buyers miss. You'll leave knowing exactly how to compare builders, when a "deal" isn't a deal, and how to protect your budget (and your equity) from day one.

In This Episode, You Will Learn

• A step-by-step look at the new-build timeline (from lot pick to closing).

• The three phase inspections you shouldn't skip, plus the fourth party you need to hire.

• Red flags with sales reps, contracts, and why you still need your own agent.

• When new construction is more cost effective and when resale wins.

• How to read area growth signals so your equity has room to run.

• The smart 9-12 month game plan to research builders, neighborhoods, and budgets.

• The real "hidden costs": HOAs, maintenance, utilities, and design-center traps.

• How to negotiate now (while competition is lower) for price, rate buydowns, and repairs.

Resources + Links

Get Your FREE Homebuying Masterclass HERE

Follow 

Stacie: @iamstacierihl

Website: stacierihl.com

Andrea: @AndreaRuizTXRealtor

💌 Leave a review to help more first-time buyers find this show!

My husband is here to talk all things homebuying with your partner without the drama, second-guessing, or costly missteps. In this candid episode, Huang and I unpack the real lessons we learned across three home purchases, what went sideways, what we'd never do again, and what actually set us up to win the next time. If you want fewer fights, clearer decisions, and offers you can feel great about, this conversation will help you align your priorities, filter out bad advice, and move from "overwhelmed" to "on the same page." 

In This Episode, You Will Learn

• A simple way to get on the same page before you start touring.

• How to separate love-at-first-sight emotions from smart, long-term choices.

• The must-have vs. nice-to-have filter that makes decisions 10x easier.

• When family and friend "advice" helps and when it quietly derails you.

• Why one trusted agent beats ten Zillow callbacks every time.

• A practical approach to setting a realistic budget you both feel good about.

• How to turn a stressful first purchase into a confident next purchase.

Resources + Links

Get Your FREE Homebuying Masterclass HERE

Follow 

Instagram: @iamstacierihl

Website: stacierihl.com

💌 Leave a review to help more first-time buyers find this show!

Buying a home solo comes with unique questions, especially around what you can truly afford. In this episode, I sit down with Portland agent and two-time solo homeowner Lily Wyss to break down the real-life steps she used to buy her first condo at 23, build equity, and level up into a home she loves, without feeling house poor. We get practical about monthly payments, lender consults, emergency funds, and how to choose the right first property (even if it's a stepping-stone).

In This Episode, You Will Learn

• Tell the difference between what you're qualified for vs. what you can comfortably afford

• The quiet money habit that makes your payment feel easy.

• The one conversation to have early that prevents last-minute deal drama.

• How to choose a first home that supports your life now and later.

• A smarter way to think about "affordability" than just a pre-approval.

• The mindset shift that keeps solo buyers from feeling house poor.

• The shortcut to more confidence on a single income.

Resources + Links

Get Your FREE Homebuying Masterclass HERE

Follow 

Instagram: @iamstacierihl

Website: stacierihl.com

Follow Lily: @lilyrayresidential

💌 Leave a review to help more first-time buyers find this show!

I still can't believe we were never taught how finances work or how to buy a house in school. In this episode, I break down the 3 most common mistakes I see first-time homebuyers make and how to avoid them before they turn into expensive regrets. I talk about why timeline matters more than people realize, how winging the process leads to rushed decisions, and why buying a home you can't truly afford is the fastest way to turn a dream into stress. Tune in to learn how to protect yourself, plan intentionally, and buy a home that supports your life instead of stretching it too thin.

In This Episode, You Will Learn

• The risk of buying a home without thinking through how long you'll live there.

• Why selling too soon can cost you money instead of building equity.

• Why browsing homes without a plan creates emotional pressure.

• How being matched with the wrong agent can impact your entire experience.

• Why focusing on your monthly payment matters more than the purchase price.

• How to buy a home without sacrificing peace, stability, or your future goals.

Resources + Links

Listen to the "Your 6 Step Action Plan for Buying a House in 2026" Episode HERE

Check out this Mortgage Calculator!

Get Your FREE Homebuying Masterclass HERE

Connect With a FAME Agent (Free) HERE

Follow 

Instagram: @iamstacierihl

Website: stacierihl.com

💌 Leave a review to help more first-time buyers find this show!

When people first start thinking about buying a house, the most common question I hear is, "Where do I even begin?" In this episode, I break down the entire homebuying process, from the very first steps to getting your keys on closing day. I talk about when to bring in a realtor and lender, how to move from browsing online to serious house hunting, what really happens during offers and negotiations, and what to expect once you're under contract. Tune in to learn exactly what happens from your first showing to getting the keys.

In This Episode, You Will Learn

• Where to start when buying your first home.

• When to begin touring homes based on your move timeline.

• How offers, counteroffers, and negotiations work.

• What it means to be under contract and what protections you have.

• How earnest money fits into your down payment.

• What happens during inspections and post-inspection negotiations.

• How the mortgage approval and appraisal process works.

• What to expect on closing day and when you officially get your keys.

Resources + Links

Listen to the "6-Step Action Plan for Buying a House in 2026" Episode HERE

Get Your FREE Homebuying Masterclass HERE

Connect With a FAME Agent (Free) HERE

Follow 

Instagram: @iamstacierihl

Website: stacierihl.com

💌 Leave a review to help more first-time buyers find this show!

Home prices today can feel downright shocking, especially when you see what the same house sold for just a few years ago. In this episode, I talk about what's really happening behind those price jumps and what experts are actually forecasting for 2026. I also dive into why the last few years were anything but normal, why trying to time the market is risky, and what "normal" finally looks like again after the chaos of the COVID-era real estate. I break down predictions from Redfin, Realtor.com, and Zillow in plain English and explain how to use this information without letting it paralyze your decision-making. Get ready to stop overthinking the market and start making grounded, confident decisions.

In This Episode, You Will Learn

• Why today's prices feel so different from pre-2020 homes.

• What experts really mean by a "housing market reset".

• How interest rates are expected to behave in 2026.

• How wage growth changes the affordability conversation.

• Why national headlines don't tell the full story.

• How to buy smart without waiting for a perfect market.

Resources + Links

Connect with a first-time buyer agent in your area HERE

Get Your FREE Homebuying Masterclass HERE

Connect With a FAME Agent (Free) HERE

Follow 

Instagram: @iamstacierihl

Website: stacierihl.com

💌 Leave a review to help more first-time buyers find this show!

One of the biggest questions first-time buyers ask me is, "How much money do I really need before I buy?" And honestly, the answer isn't a one-size-fits-all number. In this episode, I'm breaking down why the old 20% rule no longer works for today's market, how waiting too long can actually hurt you financially, and what matters way more than your exact down payment percentage. I also talk about monthly affordability, emergency funds, and how to know when you're truly ready to leap into homeownership. Get ready to stop second-guessing and feel confident about when your time to buy really is.

In This Episode, You Will Learn

• Why the 20% down payment rule isn't always true.

• How rising home prices impact the cost of waiting.

• The difference between minimum down payment vs. smart down payment.

• How PMI really works and when it actually matters.

• How different down payments affect your monthly payment.

• Why your down payment can impact your offer strength.

• How to know if you can truly handle homeownership financially.

• The mindset shift that makes buying feel less scary.

Resources + Links

Connect with a first-time buyer agent in your area HERE!

Check out this Mortgage Calculator!

Get Your FREE Homebuying Masterclass HERE

Follow 

Instagram: @iamstacierihl

Website: stacierihl.com

💌 Leave a review to help more first-time buyers find this show!

Wondering how much cash you actually need to buy a home beyond your down payment? In this episode, I'm breaking down what closing costs are, why they're required, and how you can prepare for them long before you reach the closing table. I talk about where costs come from, why lenders collect taxes and insurance upfront, and the strategies buyers use to reduce out-of-pocket expenses through negotiation. Tune in to learn how to protect your budget and avoid one of the most common surprises first-time buyers face when purchasing their first home.

In This Episode, You Will Learn

• What counts as closing costs and why they're separate from your down payment.

• Why prepaid taxes and insurance make closing costs feel higher.

• Which lender fees you may be able to negotiate.

• How seller concessions can help reduce upfront cash needs.

• When negotiating closing costs works and when it doesn't.

• How much extra savings buyers should plan for before closing day.

Resources + Links

Get Your FREE Homebuying Masterclass HERE

Send me a question using THIS LINK 

Follow 

Instagram: @iamstacierihl

Website: stacierihl.com

💌 Leave a review to help more first-time buyers find this show!

When I bought my first home, I had already been a real estate agent for 4 years. I had walked dozens of clients through the process and thought I knew exactly what to expect, but the reality of being the buyer was a total shock. In this episode, I share the 3 lessons I learned from buying my own home for the first time, what surprised me most, and what I wish more people were talking about when it comes to buying a home. Tune in to prepare your mindset and your money so you can buy your first home without second-guessing.

In This Episode, You Will Learn

• Why buying a home is one of the most emotional financial decisions you'll ever make.

• How setting your budget and non-negotiables before touring protects you from overbidding or second-guessing.

• What we did differently the second time that made the process smoother.

• Why an emergency fund is non-negotiable for homeowners.

• The unexpected emotional reward of homeownership that no one talks about.

Resources + Links

Get Your FREE Homebuying Masterclass HERE

Send me a question using THIS LINK 

Follow 

Instagram: @iamstacierihl

Website: stacierihl.com

💌 Leave a review to help more first-time buyers find this show!

There are so many misconceptions about VA loans. I still hear listing agents call them "weak offers." I still hear buyers say, "I already used my VA loan once, so I can't use it again." And I constantly get asked whether putting 0% down is actually smart.

So today, we're setting the record straight. I'm joined by Air Force combat veteran and real estate agent Lauren Davis, along with senior loan officer Todd Sevier, to break down exactly how VA loans work; the benefits, the myths, the funding fee, refinancing, using it more than once, and how to make your VA offer competitive in a multiple-offer situation.

In This Episode, You Will Learn

• Why VA loans are actually some of the strongest loans on the market.

• Whether putting 0% down makes sense for you.

• How disabled veterans can have their funding fee waived.

• How to use your VA loan again (even if you already have!)

• How to protect yourself from sketchy refinance solicitations.

Resources + Links

Get Your FREE Homebuying Masterclass HERE

Send me a question using THIS LINK 

Follow 

Instagram: @iamstacierihl

Website: stacierihl.com

Connect with today's guests

Lauren Davis: website & instagram

Todd Severe - website & instagram

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Buying your first home is a big decision, and no one really explains how the timeline works or what happens before you ever step foot into a showing. In this episode, I break down the full timeline from house hunting to closing so you can stop guessing and start planning with confidence. I talk about how long it really takes to find the right home, what happens after your offer is accepted, and how to time everything around your lease so you're not rushed into a decision you regret. Tune in to learn how to give yourself enough runway to buy wisely and move into your first home without scrambling at the last minute.

In This Episode, You Will Learn

• How long it actually takes to close on a home after your offer is accepted.

• What determines whether your closing timeline is 30, 45, or 60+ days.

• How long the house hunting process typically takes (and why it shouldn't take years).

• When to start touring homes based on your ideal move-in date.

• How to time your lease so you're not forced into a rushed decision.

• What happens if you find a home "too early" in the process.

• Why giving yourself extra time protects your budget and your peace of mind.

• When to connect with an agent so you feel confident instead of overwhelmed.

Resources + Links

Get Your FREE Homebuying Masterclass HERE

Send me a question using THIS LINK 

Listen to The Step-by-Step Guide to Buying a House on Apple Podcasts HERE

Follow 

Instagram: @iamstacierihl

Website: stacierihl.com

💌 Leave a review to help more first-time buyers find this show!

A lot of buyers hear "FHA loan" and assume it's automatically the best option for first-time homebuyers, but that's not always true. In this episode, I break down what FHA loans actually are, who they're designed for, and the biggest myths that cause buyers to make the wrong choice. I share why FHA loans aren't just for first-time buyers, how they really compare to conventional loans, and why a lower interest rate doesn't always mean a lower monthly payment. Plus, I also talk about credit score flexibility, mortgage insurance, and why FHA offers can be harder to get accepted in competitive markets. Get ready to learn whether FHA is helping or hurting your buying power.

In This Episode, You Will Learn

• The role FHA loans play in today's housing market.

• Why FHA loans are not just for first-time homebuyers.

• The hidden trade-off behind FHA's lower interest rates.

• Why FHA mortgage insurance sticks around longer than most buyers expect.

• The specific credit and debt situations where FHA actually works best.

• How FHA loans can impact your leverage when you're competing for a home.
  
  

Resources + Links

Get Your FREE Homebuying Masterclass HERE

 Send me a question using THIS LINK

Follow 

Instagram: @iamstacierihl

Website: stacierihl.com

💌 Leave a review to help more first-time buyers find this show!

A lot of people buy their first home thinking, "Maybe I'll rent this out someday." But then a few years later, they realize the numbers don't work, the location isn't right, or the property just isn't built for renting. In this episode, I share how Hoang and I intentionally bought our first home with the plan to turn it into a rental and what that decision taught us about money, stability, and long-term wealth. I give tips on how we chose the right neighborhood, how we ran the rent-versus-mortgage numbers, why living in the home first gave us a huge advantage, and the pros and cons of becoming a landlord. Get ready to rethink what your first home can do for you, not just today, but for your future.

In This Episode, You Will Learn

• Why buying with a future rental plan has to start before you ever make an offer.

• How to evaluate whether the rent in an area can realistically beat your mortgage.

• The trade-off between living where you want vs. where the numbers actually work.

• Why living in the home first makes becoming a landlord easier and less risky.

• The financial advantages of owner-occupied loans compared to investor loans.

• What it's really like to find tenants and manage a rental.

• The pros and cons of being a landlord.

• How to know if buying to rent later fits your lifestyle and future goals.

Resources + Links

Get Your FREE Homebuying Masterclass HERE

Follow 

Instagram: @iamstacierihl

Website: stacierihl.com

💌 Leave a review to help more first-time buyers find this show!

So many future homeowners tell me, "I'm scared to buy a house because I don't want to end up house poor." And honestly? That fear is a good thing. It means you're thinking ahead and doing this the right way. In this episode, I break down what to do before, during, and after buying a home so you can protect your finances and still enjoy your life. I talk about how to practice your future mortgage payment, how much cash you really need saved (hint: it's more than just your down payment), what to look for in a home so surprise repairs don't derail you, and why you should slow down on decorating after you move in. Get ready to buy a home you love without becoming house poor.

In This Episode, You Will Learn

• How to "practice" your future mortgage before you ever buy.

• Why total cash-to-close matters more than just your down payment.

• The hidden costs first-time buyers forget to plan for.

• How to spot homes that could drain your savings fast.

• What to ask about roofs, systems, and property taxes before you fall in love.

• Why waiting 2–3 months to decorate can save your sanity and your bank account.

• How to build a real safety net with an emergency fund that works for homeowners.

Resources + Links

Get Your FREE Homebuying Masterclass HERE

Follow 

Instagram: @iamstacierihl

Website: stacierihl.com

💌 Leave a review to help more first-time buyers find this show!

How do you actually choose the right mortgage lender when every option looks the same online? In this episode, I break down what matters when picking a lender so you don't end up with delays, bad communication, or worse, a denied loan right before closing. I share what to look for in a lender, the red flags you need to avoid, and exactly how to find someone who will actually help you get to the closing table. Tune in to learn how to choose a lender who will protect your deal and support you through the process.

In This Episode, You Will Learn

• Why not all mortgage lenders are created equal.

• What to look for in a lender beyond just interest rates and fees.

• How your lender impacts whether your offer gets accepted.

• How the right lender helps prevent delays and last-minute loan issues.

• The red flags to watch out for before choosing a lender.

• Why your agent is the best resource for finding trusted local lenders.

Resources + Links

Get Your FREE Homebuying Masterclass HERE

Connect with a first-time homebuyer agent in your area HERE

Follow 

Instagram: @iamstacierihl

Website: stacierihl.com

💌 Leave a review to help more first-time buyers find this show!

Thinking about relocating and buying a house at the same time? In this episode, I break down the 3-step plan to help you navigate both without feeling rushed or making a decision you regret. I also share how to decide whether to buy or rent first, how to get set up financially in a new area, and how to approach house hunting when you're not local. Tune in to learn how to relocate and buy a home in a way that protects your budget and helps you avoid costly mistakes.

In This Episode, You Will Learn

• How to decide whether to buy right away or rent first when relocating.

• Why the location matters more than the house itself when you're moving.

• What you need to get pre-approved when relocating to a new state.

• Why your job location and income matter for loan approval.

• The best way to approach house hunting when you're not local.

• Why seeing a home in person can make a big difference before you buy.

Resources + Links

Get Your FREE Homebuying Masterclass HERE

Connect with a first-time homebuyer agent in your area HERE

Follow 

Instagram: @iamstacierihl

Website: stacierihl.com

💌 Leave a review to help more first-time buyers find this show!

Trying to figure out the best time of year to buy a house? In this episode, I break down how the market changes throughout the year so you can understand when it's easier to buy, when it's more competitive, and how to use timing to your advantage. I talk about how each season impacts pricing, inventory, and how to time your search based on your lease and your flexibility. Tune in to learn how to time your home search strategically so you can buy with more confidence and less pressure.

In This Episode, You Will Learn:

• How to time your home search based on your lease and move-in goals.

• Why spring is the most competitive time to buy and often leads to overbidding.

• How summer slows down and gives buyers more leverage.

• Why fall can be a sweet spot with more inventory and less competition.

• How winter buyers often get the best negotiating opportunities.

• What actually happens to home prices throughout the year.

Resources + Links

Get Your FREE Homebuying Masterclass HERE

Connect with a first-time homebuyer agent in your area HERE

Follow 

Instagram: @iamstacierihl

Website: stacierihl.com

💌 Leave a review to help more first-time buyers find this show!

Wondering what you should actually do before you start touring homes? In this episode, I share the 7 steps my husband and I took before buying our home and why doing this prep work ahead of time made the entire process smoother and less stressful. When we bought our first home, we made a lot of mistakes. The second time, we approached the process very differently. We started planning about a year in advance, set a clear budget, researched neighborhoods, and got realistic about what we could actually afford in a high-cost market. Tune in to learn the exact steps we followed so you can prepare ahead of time and avoid common mistakes.

In This Episode, You Will Learn

• How calculating your debt-to-income ratio helps estimate your price range.

• Why testing your future mortgage payment helps you set a realistic budget.

• How setting a savings goal early can make buying a home much easier.

• How to use Zillow as a research tool before you start seriously looking.

• Why visiting open houses early can reset your expectations about price and location.

• How creating a list of must-haves, nice-to-haves, and deal breakers speeds up your search.

• When to connect with a real estate agent and lender so you're ready when it's time to buy.

Resources + Links

Get Your FREE Homebuying Masterclass HERE

Connect with a first-time homebuyer agent in your area HERE

Follow 

Instagram: @iamstacierihl

Website: stacierihl.com

💌 Leave a review to help more first-time buyers find this show!

Thinking about using a physician loan to buy your first home? In this episode, I'm breaking down how physician loans actually work, what you can typically expect, and the pros and cons you need to understand before choosing this option. If you're in residency, starting fellowship, or about to begin your first attending job, you've probably heard that physician loans let you buy with little to no money down and don't always count your student loans the same way. Tune in to learn how to evaluate physician loans wisely to protect your long-term financial stability and avoid becoming house-poor.

In This Episode, You Will Learn

• What a physician loan is and how it differs from conventional loans.

• How 0–5% down payment options actually work.

• Why some lenders exclude student loans from your approval.

• The trade-off between higher rates and lower upfront cash.

• How physician loans can affect your offer strength.

• Where to find lenders that offer physician programs.

• When it makes sense to buy during training and when it doesn't.

Resources + Links

Get Your FREE Homebuying Masterclass HERE

Connect with a first-time homebuyer agent in your area HERE

Follow 

Instagram: @iamstacierihl

Website: stacierihl.com

💌 Leave a review to help more first-time buyers find this show!

Buying a house doesn't come with an instruction manual, and most of us were never taught how to do this. So if you're feeling lost on where to start, that's not your fault. In this episode, I'm sharing the seven best pieces of advice I give every first-time homebuyer, based on helping hundreds of people through this process and buying three homes myself. Some of these tips are for when you're actively house hunting, some are for before you buy, and some are for after. All of them will help you avoid the expensive surprises that catch most first-time buyers off guard.

Ready to take the first step of finding your first home? Connect with a FAME agent in your area — it's free.

What you'll learn:

• Why the age of the roof and HVAC system tells you more about a home than a renovated kitchen does

• How a fresh coat of paint is the most affordable upgrade (and how good staging can trick you into overpaying)

• Why you should never plan to move in right after closing, and how much overlap to budget for

• What to look for in a home inspector and why you should never shop for one based on price

• How to research a neighborhood before you tour a single home so you don't end up regretting your location

• Why talking to a mortgage lender is free, doesn't commit you to anything, and will answer 95% of your questions

• The timeline you actually need: when to connect with an agent and when to start touring homes

Resources mentioned:

• Connect with a FAME agent in your area (free)

• Free homebuying masterclass

• Episode 2: Red flags to look for with home inspector Vince Tecce
  
  

Connect with me:

• Follow me on Instagram

• Follow me on TikTok

• Visit my website

CHAPTERS:

• 00:00 — Buying a house doesn't come with an instruction manual

• 01:30 — Tip 7: Always ask about the roof and HVAC system

• 03:42 — Tip 6: Never underestimate a fresh coat of paint

• 05:05 — Tip 5: Don't try to move in right after closing

• 05:59 — Tip 4: Research your home inspector before hiring

• 07:37 — Tip 3: Research the neighborhood before you look at homes

• 09:45 — Tip 2: Talk to a mortgage lender (it's free)

• 12:18 — Tip 1: Start the process early

• 13:53 — Recap and final advice

Is it actually smarter to rent right now instead of buying a home? With higher interest rates at 6.5% and rising home prices, I sat down and ran the numbers, and what I found honestly surprised me. In this episode, I share what the data really says about renting vs. buying in today's market and the 3 questions you need to ask yourself before deciding whether to buy or rent, so you can choose what's right for your life. Get ready to decide if homeownership is worth it for you!

In This Episode, You Will Learn

• What the numbers say about renting vs. buying in 2026.

• The 3 questions to ask before deciding to buy or rent.

• What most people get wrong when comparing buying vs renting.

• The smartest strategy that combines both owning and investing.

• How homeownership fits into a bigger financial strategy over time.

Resources + Links

Get Your FREE Homebuying Masterclass HERE

Connect with a first-time homebuyer agent in your area HERE

Follow 

Instagram: @iamstacierihl

Website: stacierihl.com

💌 Leave a review to help more first-time buyers find this show!

You've probably seen the headlines: home prices are shifting, interest rates have been bouncing around, and it feels like every article is telling you something different about whether now is the right time to buy. But unfortunately, most of that information is based on data that's already two months old, so it's not as accurate as we'd hope. In this episode, I'm breaking down the real numbers behind the 2026 housing market: what's happening with interest rates, where home prices actually stand, why media headlines are misleading, and what all of it means for you if you're a first-time homebuyer trying to figure out your next move.

Ready to take the first step of finding your first home? Connect with a FAME agent in your area — it's free.

What you'll learn today:

• What happened when interest rates dropped below 6% in February, and why they rose again before spring

• Why most housing market headlines are based on outdated data and how the two-month sales lag works

• What mortgage purchase applications tell us about buyer demand right now (and what they don't)

• How current housing inventory compares to the 2008 crash, and why we're nowhere near those numbers

• Where home prices actually are in Q2 2026 and how they compare to inflation and wage growth

• Why the national market doesn't tell you much, and how regional markets like the Northeast vs. Florida are moving in opposite directions

• How to find an agent who knows your local market so you're not overpaying or underbidding

Resources mentioned:

• Connect with a FAME agent in your area (free)

• Free homebuying masterclass

• Freddie Mac Primary Mortgage Market Survey

• Redfin housing market data
  
  

Connect with me:

• Follow me on Instagram

• Visit my website

CHAPTERS:

• 00:00 — Why most housing market headlines are wrong

• 01:01 — Recap: what we predicted for 2026 at the start of the year

• 02:06 — How interest rates, home prices, and wages were expected to move together

• 05:33 — What actually happened: rates dropped below 6% in February

• 06:55 — The Iran conflict and the rate spike that followed

• 07:47 — Why we can't see real pricing data for two months

• 08:53 — What mortgage purchase applications tell us about demand

• 10:04 — Current housing inventory vs. the 2008 crash (70K vs. 400K listings)

• 11:28 — The spring market: where prices stand right now

• 12:34 — Why the national market doesn't matter — your local market does

• 14:05 — Regional breakdown: Northeast vs. Florida vs. Arizona

• 14:50 — How a FAME agent helps you navigate your local market

Setting a budget is one of the most confusing parts of buying your first home, especially when the advice you're hearing was written for a completely different housing market. In this episode, I break down the three most common budgeting formulas for how much of your income should go toward your mortgage (what lenders will pre-approve you for, the 28% rule, and the 25% rule) so you can figure out what actually makes sense for your income, your lifestyle, and where you live. I also share what my husband and I were pre-approved for versus what we were actually comfortable spending, and why the "right" number is different for everyone.

Ready to take the first step of finding your first home? Connect with a FAME agent in your area (it's free!)

What you'll learn today:

• What lenders will actually pre-approve you for and why that number is almost always higher than what you should spend

• The 28/36 rule: how to calculate 28% of your gross income as a mortgage ceiling and why financial experts recommend it

• Why Ramit Sethi's version of the 28% rule includes maintenance and utilities, and how to estimate those costs

• The 25% rule: a more conservative formula using your take-home pay instead of gross income, and when it's realistic

• How the average home price, interest rates, and cost of living affect which formula actually works for you

• Why high earners, salaried workers, and business owners may each land on a different comfortable percentage

• How to find the sweet spot between what the formulas say and what you can actually sustain month to month

Resources mentioned:

• Connect with a FAME agent in your area (free)

• Free homebuying masterclass

• I Will Teach You To Be Rich, by Ramit Sethi

Connect with me:

• Follow me on Instagram

• Visit my website

CHAPTERS:

• 00:00 — How much of your income should you spend on a house?

• 00:54 — Why a lot of housing affordability advice is outdated

• 02:48 — What lenders will pre-approve you for (and why it's too high)

• 04:00 — Our pre-approval was more than my husband's entire paycheck

• 05:24 — The 28/36 rule: 28% of gross income for your mortgage

• 06:11 — Ramit Sethi's recommendation and how total housing costs factor in

• 07:24 — Why these formulas use gross income instead of take-home pay

• 08:13 — Why some people think 28% is still too high

• 08:45 — HUD's 30% guideline for housing affordability

• 09:19 — The 25% rule: a more conservative formula using take-home pay

• 10:58 — Why the 25% rule isn't realistic in many markets today

• 11:37 — What I personally spend and why I land between 25–28% of gross

• 13:13 — How income type, cost of living, and earnings level change the math

• 14:23 — Finding the sweet spot: what are you actually comfortable with?

• 15:19 — Connect with a FAME agent in your area

How do you actually set a budget for buying a house: one that works for your real life and not just what a lender says you qualify for? In this episode, I'm walking you through the exact process I recommend to every first-time homebuyer. We're looking at your take-home pay, your fixed and variable expenses, your goals for after you buy, and what you're currently paying in rent. I also share the practice mortgage payment method that helped me and my husband figure out what we could actually afford when our payments doubled, and how you can use it to test your budget before you ever commit.

Ready to take the first step of finding your first home? Connect with a FAME agent in your area (it's free!)

What you'll learn today:

• Why your pre-approval amount and what you can actually afford are two completely different numbers

• How to figure out the highest mortgage payment you could realistically handle based on your take-home pay and fixed expenses

• How to have the priorities talk with your partner about what matters more: a bigger house or more lifestyle flexibility

• The practice mortgage payment method: how to simulate your future payment before you buy so you know what it actually feels like

• What to think about five to ten years out: kids, career changes, and how your needs in a home might shift

• How to use a mortgage calculator to work backwards from the monthly payment you're comfortable with to a home price

Resources mentioned:

• Connect with a FAME agent in your area (free)

• Free homebuying masterclass

• Free guide: How much house can you afford?

• Fannie Mae mortgage calculator

Connect with me:

• Follow me on Instagram

• Visit my website

CHAPTERS:

• 00:00 — How do you know how much house you can actually afford?

• 00:55 — The free guide that started it all

• 02:31 — The goal: a house that fits your life, not one that takes it over

• 04:18 — Start with your take-home pay and fixed expenses

• 06:27 — Variable expenses and the priorities conversation

• 09:57 — Your goals for after you buy

• 11:07 — What are you paying in rent, and how does it feel?

• 11:49 — Practice mortgage payments: test your budget before you commit

• 14:14 — How your life and finances might change in 5–10 years

• 15:00 — The ultimate question: what monthly payment are you comfortable with?

• 16:34 — Using a mortgage calculator to find your price range

• 19:13 — How to connect with a FAME agent

Buying a house is one of the most exciting things you'll ever do, but it comes with costs that most first-time buyers don't see coming. And when your bank account is already feeling light from the down payment, an unexpected $1,200 Target run can feel like a gut punch. In this episode, I break down every hidden cost of buying a house in chronological order: what you'll pay before closing, what hits right after you get the keys, and the ongoing costs that come with homeownership so you can plan for all of it and actually enjoy your new home without the financial stress.

Ready to take the first step of finding your first home? Connect with a FAME agent in your area — it's free.

What you'll learn today:

• How much to budget for home inspections and appraisals before you even close (and why they're usually non-refundable)

• What earnest money is, how much it costs, and how it folds into your closing costs

• The post-closing expenses that catch almost every first-time buyer off guard, from tools to deep cleaning to window treatments

• Why most of your mortgage payment goes toward interest instead of paying down your loan, and what you can do about it

• How property taxes and homeowner's insurance can raise your monthly payment over time, even after your mortgage is paid off

• The 1% rule for home maintenance and why a six-month emergency fund gives you more peace of mind than a strict savings target

Resources mentioned:

• Connect with a FAME agent in your area (free)

• Free homebuying masterclass

• Closing costs calculator (Fannie Mae)

• Mortgage amortization calculator
  
  

Connect with me:

• Follow me on Instagram

• Visit my website

CHAPTERS:

• 00:00 — What are the hidden costs of buying a house?

• 01:24 — Welcome to Your First Home

• 03:43 — Hidden cost #1: Home inspections and the appraisal

• 07:03 — Why inspections and appraisals are usually non-refundable

• 07:32 — Hidden cost #2: The rest of your closing costs

• 09:42 — Hidden cost #3: Post-closing expenses (the costs no one talks about)

• 13:27 — Hidden cost #4: Mortgage interest and how your payment is really broken down

• 15:50 — Hidden cost #5: Property taxes and homeowner's insurance

• 16:40 — Hidden cost #6: Home maintenance and the 1% rule

• 18:03 — Why a six-month emergency fund changes everything

• 20:03 — Recap: every hidden cost in order

• 21:02 — How to connect with a FAME agent for free