First-Time Homebuyer Myths & The DREAM Program Explained - EP 44 скачать в хорошем качестве

First-Time Homebuyer Myths & The DREAM Program Explained - EP 44

🚀 In this episode of Mortgage On My Mind, Natalie Salins sits down with San Fernando Valley real estate expert Alexis Ubeda to break down the biggest misconceptions first-time homebuyers have — especially the myth that you need 20% down to buy a home. They dive deep into zero-down programs, FHA financing, VA loans, CalHFA options, and the highly talked-about California Dream For All shared appreciation program. If you’re thinking about buying in 2026, this is a must-watch conversation packed with insider knowledge and practical advice. 🎧 Hosted by: Natalie Salins 👤 Guest: 🏡 Alexis Ubeda – Real Estate Professional | Host of Safe At Home Podcast Alexis Ubeda is a San Fernando Valley real estate professional who has helped dozens of families buy and sell homes since 2013, building a referral-based business rooted in trust and local expertise. He is also the host of Safe At Home Podcast, where he shares insights on real estate and community life in the 818. 💡 What You’ll Learn: ✔️ The #1 misconception first-time buyers have about down payments ✔️ How VA, FHA, and CalHFA programs really work ✔️ What happened to California grant programs over the years ✔️ How the Dream For All shared appreciation program works ✔️ Why asking questions is the first step to homeownership 🎮 Watch now for expert insights! ⏳ Timestamps (Click to Jump to Sections!): 📌00:00 Welcome to Mortgage On My Mind + Meet Alexis Berta 📌01:40 First-Time Buyer Myth #1 📌03:50 Low/No-Down Payment Options: FHA, USDA, VA & More 📌04:43 Grants vs Loans: CalHFA, GSFA & the ‘Catch’ 📌08:33 LA County Assistance Programs 📌14:51 Dream For All: 20% down payment program 📌16:00 How shared appreciation works: silent second + paying the state back 📌18:41 Lottery system & the “golden ticket”: timelines, 90-day shopping window 📌20:34 Qualifying details: credit score, income caps, and how much cash you need 📌23:49 Statewide lending/agent misconceptions + FHA as the go-to low down option 📌25:40 Wrap-up 💼 Connect with Alexis Ubeda: 📘 Facebook →   / alexis.ubeda.52   📸 Instagram →   / agentubeda   🎙 Follow Natalie Salins – Mortgage On My Mind: 🌎 Website → https://movement.com/lo/natalie-salins 📘 Facebook →   / natalie.salins   📷 Instagram → https://www.instagram.com/natalie_sal... 🔗 LinkedIn →   / natalie-salins-1029583b   🔖 Don’t Forget to LIKE 👍, SUBSCRIBE 🔔 & COMMENT 💬 Below! 💎 Produced by Icons of Real Estate – https://iconsofrealestate.com/