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Affordability is one of the biggest concerns for first-time homebuyers today—but is it really impossible to buy a home? In this Monday Mortgage Minute, Tom McNamara and Bruce Woodburn break down what young buyers actually need to know to get into the housing market. • Why homes that just hit the market are the hardest to negotiate • How seller-paid closing costs can make or break affordability • What credit, income, and job history really matter for approval • Why flexibility beats waiting for the “perfect” home • How first-time buyers can use strategy—not luck—to win • The mindset shift that helps young buyers start building wealth sooner 📍 LIVE class for first-time buyers and parents helping their kids: 👉 WeBringYouHome.com 📞 Call or text: (407) 706-3313 for the Zoom link 📅 Upcoming Event – February 25th High-income & self-employed earners: Learn advanced tax strategies to keep more of what you make. Register at WeBringYouHome.com/our-events/ Bruce Woodburn, The Loan Arranger | 407.250.9144 | WeBringYouHome.com Tom McNamara, EXP Realty | 407.754-6412 | TheMcnamaraExperience.com CHAPTERS: 00:00 Introduction 01:13 Private Real Estate Class Announcement 02:02 Challenges for First-Time Home Buyers 04:01 Negotiation Strategies for Buyers 13:19 Understanding Job and Income Requirements 14:54 Upcoming Event for High Net Worth Individuals 17:08 Conclusion and Final Thoughts Florida property taxes, property tax elimination Florida, HJR 201 Florida, HJR 203 Florida, Florida homestead exemption, Save Our Homes Florida, Florida housing market, Florida real estate taxes, Monday Mortgage Minute, Bruce Woodburn, Tom McNamara, Florida legislation property tax, Florida homeowners, mortgage market update Florida #FirstTimeHomeBuyer #MortgageTips #Affordability #HomeBuying2026 #MondayMortgageMinute #WeBringYouHome #RealEstateEducation #LoanArranger #mortgagestrategy