Are you a first-time home buyer wondering how the mortgage process really works? In this episode of the Mortgages Made Easy podcast, Dave Steinberg (New York) and Candy Williams (Texas) break down everything you need to know before buying your first home.
We cover:
✔️ Pre-qualification vs pre-approval – what’s the difference?
✔️ How much house you can afford vs. how much you qualify for
✔️ Budgeting for your first mortgage payment
✔️ FHA 203k renovation loans explained
✔️ Buyer’s market vs seller’s market strategies
✔️ How to strengthen your offer with the right pre-qualification letter
✔️ Why working with a local lender beats a call center
✔️ Building your home buying “A-Team” (realtor, inspector, insurance, lender)
If you're planning to buy a home in 3–6 months, this episode will help you avoid common first-time home buyer mistakes and feel confident about your next steps.
Whether you're in Texas, New York, or anywhere in the U.S., these mortgage tips apply to today’s housing market.
🎯 Thinking about buying your first home? Start by understanding your budget, loan options, and strategy — not just the maximum you qualify for.
Contact Candy Williams:
MORTGAGE LOAN ORIGINATOR NMLS# 187126
(210) 269-1774
@
Dave Steinberg NMLS: #67325 Mortgage Broker Summit Funding
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Connect with me:
Office: 718.575.1166
Email: dave@summitfunding.com
https://summitfunding.com
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Summit Funding | Registered Mortgage Broker (NMLS #52081) New York State Department of Financial Services
7030 137 Street, Kew Gardens Hills, NY 11367
Summit Funding | Licensed Correspondent Mortgage Lender (NMLS #301151) New Jersey Department of Banking and Insurance
Summit Funding Inc., Your Mortgage Professionals Licensed Mortgage Broker (NMLS #84943) | State of Connecticut Department of Banking
Summit Funding, Your Mortgage Professionals, Inc. Licensed Mortgage Broker (NMLS #84943) | Florida Office of Financial Regulation
Loans Provided By Third Party Lenders
Refer with Confidence®
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