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If you have stable income and solid credit but are still renting, this conversation is for you. In this episode of Chat with Chatto, Stephen talks directly to people who want to buy their first home but keep finding reasons to wait. After more than 25 years as a landlord, Chatto has seen how hesitation, fear, and overthinking keep buyers stuck while housing costs continue to rise. Using a real example of someone who has delayed buying for years while paying high rent, this video breaks down the most common excuses first time buyers use and why those excuses often cost more in the long run. In this video, Chatto covers: The myth that you must put 20 percent down Concerns about PMI and interest rates Fear of job changes or future uncertainty Waiting endlessly for the perfect house Doubts about buying in today’s market This is not about pressure or hype. It is about understanding the real cost of waiting and learning how to move past fear and into ownership. If buying your first home feels overwhelming, this video will help you reset your mindset and take the next step with confidence. #firsttimehomebuyer #buyingahome #realestate #homeownership #housingmarket #realestateeducation #rentvsbuy #personalfinance #mortgage #wealthbuilding