How To Buy A Home

Stackable grants, strategy-based lending, and insider truths about mortgage math—this episode unpacks what really sets unicorn lenders apart in today’s market. In part two of this masterclass with unicorn lender Kelly Cort, David and Kelly go deep on the real numbers behind down payment assistance, adjustable rate mortgages, lender-paid buy-downs, and PMI myths. Learn why pre-approvals aren’t enough, how lenders can actually help you win bidding wars, and what it means to build a plan instead of chase a rate. From DTI math to offer letters and insurance shocks, this is the kind of lending guidance most first-time buyers never get.Quote:“You just loan yourself $35,000 for $44 bucks a month. Cheapest money you’ll ever buy.” — Kelly Cort, Episode 340Highlights:What is down payment assistance—and can you use it even if you have 20% down?How does stacking assistance programs work—and what are the tradeoffs?Why does Kelly personally call the listing agent to help your offer stand out?How can your lender strategy be