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Buying a home is more than just the down payment and monthly mortgage — and most buyers don’t realize that until it’s too late. In Episode 3 of Be A Clever Homeowner, we break down the hidden costs of buying a home that catch buyers off guard, including closing costs, inspections, reserves, taxes, insurance, and the expenses lenders don’t always explain upfront. If you’re planning to buy a home soon, this episode will help you budget smarter, avoid surprises, and make confident decisions before you write an offer. 🎧 Be A Clever Homeowner is a weekly podcast designed to help buyers, sellers, and homeowners understand how real estate really works — without hype or pressure. 👉 Subscribe for weekly episodes released every Monday at 7am Pacific. 👉 Subscribe for weekly real estate tips, podcasts, and home buying strategies 📍 Want help buying or selling a home the right way? 🔗 www.beacleverhomeowner.com 👉 Follow me at: instagram.com/meljortiz 👉 Follow The Velvet Fence Team at: instagram.com/velvetfencehomes Chapters: 0:10 – Intro, The Hidden Costs of Buying a Home 0:46 – Zip of the week Intro, Bottle Logic Brewing 3:20 – Closing Costs Explained 5:22 – Upfront Loan Costs Complete Breakdown 15:15 – Other Upfront Costs Explained 34:40 – Taxes and Mortgage Insurance Payments Explained 36:05 – What's a Supplemental Tax Bill 38:34 – Additional Upfront Costs Breakdown 43:58 – The Importance of a Home Warranty and Costs 49:12 – Final Zip: Bottle Logic Beer Review #HomeBuying #HiddenCosts #FirstTimeHomeBuyer #RealEstatePodcast #HomeBuyingTips #MortgageTips #ClosingCosts #BeACleverHomeowner #RealEstateEducation #BuyingAHome #HousingMarket