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The Smart First-Time Home Buying Guide

How to Save for a Home Down Payment with Limited Money
Narrated by: Michael Campobasso
Length: 1 hr and 8 mins
5 out of 5 stars (15 ratings)
Regular price: $6.95
$14.95/month after 30 days. Cancel anytime.

Publisher's Summary

Home prices are too high.

Buying a home is the pinnacle of adulthood, but as we all aware, home ownership isn’t exactly easy to navigate, especially for younger folks. Unless you’re completely debt-free, get help from parents, and disciplined enough to live below your means to save money, buying your first home in the future can seem more like a fantasy than an actual possibility.

In The First Time Home Buying Guide, we will be mainly focus on why and how to save up our money to have the down payment for our first home purchase, so we can be prepared when there is a home buying opportunity in the future.

What is a down payment?

A down payment is a big sum of money you need when buying a home. You may borrow money from the bank in the form of a home loan or mortgage, but a portion of the total cost must come directly from you. The down payment acts as an insurance of sorts for your lender. 

It is not just about how to save, but why you should save.

As we all know, there’s a correlation between inflation and home prices. If we don’t save up now, the global home price will slowly keep going up. Now is the time to be prepared and save up, so when there’s home price correction underway, you will have the purchasing power to own a home.

The truth is that we all know how to save, but most of us are not aware of the reason why we need to save, and that becomes problematic. In this book, we will go in depth on this topic. We will also be sharing unique ways to save up for a down payment and ways to save a lot faster than an average person. 

This is what you are about to discover:

  • Why is saving so important in general?
  • Why is it important to own your home, rather than rent?
  • Budgeting and keeping track of your spending
  • Extreme ways to save fast
  • The important things you should know before buying a home

Would you like to know more?

Don't gamble on the future.

©2018 Thomas.K.Lutz (P)2019 Thomas.K.Lutz

What members say

Average Customer Ratings

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  • Overall
    5 out of 5 stars
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    5 out of 5 stars

Brilliant book to date

Just brilliant! Everything I need is here and all the things I should consider to come up with the down payment for a new home are all presented. An all-inclusive audio here.

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significant book

An absorbing compelling book that made me reflect on my future. All my life, I’ve wanted to have a house which I can call my own. I can no longer count how many years I’ve been renting. Finally, a book here that sends me real and practical advice. Great piece here!

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    4 out of 5 stars

Great book

I used the dream list to come up with my list of housing requirements. While I found the list difficult to use while looking at houses because it's long, it was still valuable to do the exercise so I had the right things in mind.

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Home Buying Guide

The book is an easy-user-friendly read that helps prepare and guide your through the housing process from beginning to end. Thanks to this book, my home buying process has been less stressful and more realistic.

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    5 out of 5 stars
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Makes saving easier.

I still believe that it’s better to put as much money down, so my monthly mortgage payment will be lower. I used to think saving is a big hurdle, but after hearing out this book, I’m determined to save as much as I can.

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Thoughtful one.

Without this functional book, everything becomes more daunting considering I have little experience on this. This is serving us a gentle reminder. It’s unlike the last book I bought wherein the author can be intimidating and have little considerations on his readers.

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    5 out of 5 stars
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First-timer here.

Saving for the down payment can be nerve-racking, but not anymore. I’m gradually applying the tips here and I can see some improvements in my savings and in my attitude too! A big thanks!

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    5 out of 5 stars
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Pertinent information here.

Down payment has an important t impact on the total cost of a house, so this is one significant audio book to learn from. I like how thoughtful the writer of this book is. And most importantly, he also added some pertinent info relating to buying a new house.

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Real accomplishment

Listening to this book has been a real accomplishment already. What more if I will be able to follow all the recommendations here and apply in my current situation. What a wonderful audio book!

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Covers all my inquiries.

It’s an encompassing book, actually. It doesn’t focus on how to save per SE, but it also tackles on the factors that can affect your saving agenda. I highly appreciate the thorough explanation on maintaining good credit score as I’m also planning to apply for a loan for personal purposes. In this way, it allows me to weight things and if taking a loan is the smartest way now to be able to buy the house I’ve been dreaming of.

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    5 out of 5 stars
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  • Georgia Kimes
  • 02-14-19

saving made easy

Because of this audio piece, I’m now considering frugal living. People like me who struggle to make ends meet find it hard to meet our budget requirements. That is when communicative books like this come into play. It’s doing a great job in discussing the specifics on "how to save money for down payment" not just give you the clichés on spending less money.

  • Overall
    5 out of 5 stars
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  • Helene W.
  • 02-12-19

Owning a house is no longer a pipe dream.

Here’s a broad ranging yet interestingly detailed audio piece to listen to make saving money to buy a house more possible. . Thomas K. Lutz, the publisher, brings an unusual and practical viewpoints here. It’s worth checking out.

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  • Thelma Nagel
  • 02-11-19

well done

The advantages of having the down payment for a home? An increase in the size of your home I can afford plus, I can find a home in a better location. It has laid out all the necessary info. Any readers would like to have. It has exceeded my expectations.

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  • Estrela Barbour
  • 02-11-19

well-versed audio

What functional recommendations here! There are only a few book on the subject. I sure made the right choice in getting this audio book. And because it's worth it, I'll have to grab the paper book version as well. A definitive guide here, indeed!

  • Overall
    5 out of 5 stars
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  • Ola KRamer
  • 02-11-19

Helping me think differently

Such a substantial audio book that will cater any interested home buyers' concerns. I'm beginning to be opened to the vast benefits of saving down payment for a house. It's starting to help me to think differently and maturely I must say. Valuable, it is!

  • Overall
    5 out of 5 stars
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  • Barbara Massey
  • 02-10-19

No second-thoughts anymore.

I'm having second-thoughs on what to do. Should I pay off my debt or save the money for a down payment. Just heard the answer from here with rationale with it. Thanks for the help!

  • Overall
    5 out of 5 stars
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  • Derya
  • 02-10-19

Excelent guide

It is a serious financial investment and you need to choose wisely in order to avoid making a mistake with such a huge decision.Really great guide.

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    5 out of 5 stars
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  • Delja
  • 02-10-19

FANTASTIC BUSINESS BOOK

It guides potential buyers into making wise, well researched, well thought-out purchasing decisions. I believe this book is a must read for anyone considering becoming a home owner. Don’t buy a house blindly. Read this book and follow its advice. You’ll be glad you did!

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    5 out of 5 stars
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  • James
  • 02-10-19

Absolutely love it

I found this book to be absolutely awesome! It not only informs potential buyers of the home-buying process, but even helps them decide whether or not they should buy a home.

  • Overall
    5 out of 5 stars
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  • Arnold Cordova
  • 02-06-19

It's comprehensible.

I could use a big help here. It’s pretty easy to get through considering I wasn’t able to do some research of my own before I bought this. Nevertheless, it has simplified everything for me, so thumbs up to this!