{"id":592,"date":"2026-04-03T04:15:59","date_gmt":"2026-04-03T04:15:59","guid":{"rendered":"https:\/\/hhww.mindiii.com\/?post_type=podcast&#038;p=592"},"modified":"2026-04-03T05:35:28","modified_gmt":"2026-04-03T05:35:28","slug":"everything-first-time-home-buyers-need-to-know-from-credit-to-closing","status":"publish","type":"podcast","link":"https:\/\/hhww.mindiii.com\/index.php\/podcast\/everything-first-time-home-buyers-need-to-know-from-credit-to-closing\/","title":{"rendered":"Everything First Time Home Buyers Need to Know from Credit to Closing"},"content":{"rendered":"\n<p>\ud83c\udf99\ufe0f Welcome to Healthy Happy Wise Wealthy (HHWW)! In this informative and practical episode, host Mary Meyer is joined by three powerhouse real estate professionals from Reno, Nevada: credit repair specialist Angie Salcido, seasoned Realtor Angela Kluck, and mortgage lender Jill Blessing-Bonnet. They break down every aspect of buying your first home, from understanding and fixing your credit to navigating loans, appraisals, and closing the deal\u2014even tackling the emotional side of the process. Whether you\u2019re a first-time buyer or just thinking ahead, this episode is your inside scoop to homeownership and building long-term wealth.<\/p>\n\n\n \n<div data-block=\"gutenkit\/button\" data-post-id=\"592\" id=\"block-a1567ded-e3ee-4252-8365-e5b4fb898f25\" class=\"wp-block-gutenkit-button gkit898f25 gutenkit-block\"><div class=\"gkit-btn-wraper\"><a class=\"gkit-btn\" href=\"https:\/\/youtu.be\/pz2u5tWBR2k\">Watch Now<div class=\"icon-right\"><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\" class=\"gkit-icon\">\n<title>play-button1<\/title>\n<path d=\"M29.85 8.403c-2.136-3.7-5.585-6.346-9.711-7.452s-8.436-0.538-12.136 1.598c-3.7 2.136-6.346 5.585-7.452 9.711s-0.538 8.436 1.598 12.136c2.136 3.7 5.585 6.346 9.711 7.452 1.378 0.369 2.776 0.552 4.165 0.552 2.771 0 5.506-0.727 7.971-2.15 3.7-2.136 6.346-5.585 7.452-9.711s0.538-8.436-1.598-12.136zM29.839 20.108c-0.991 3.697-3.361 6.786-6.676 8.7s-7.175 2.422-10.872 1.431c-3.697-0.991-6.786-3.361-8.7-6.676s-2.422-7.175-1.431-10.872c0.991-3.697 3.361-6.786 6.676-8.7 2.208-1.275 4.658-1.926 7.141-1.926 1.244 0 2.497 0.164 3.731 0.494 3.697 0.99 6.786 3.361 8.7 6.676s2.422 7.175 1.431 10.872zM23.674 14.891l-10.283-5.937c-0.546-0.315-1.197-0.315-1.743-0s-0.871 0.879-0.871 1.509v11.874c0 0.63 0.326 1.194 0.871 1.509 0.273 0.158 0.572 0.236 0.871 0.236s0.599-0.079 0.871-0.236l10.283-5.937c0.546-0.315 0.871-0.879 0.871-1.509s-0.326-1.194-0.871-1.509zM22.841 16.467l-10.283 5.937c-0.013 0.007-0.039 0.022-0.077 0s-0.039-0.052-0.039-0.067v-11.874c0-0.014 0-0.045 0.039-0.067 0.015-0.009 0.028-0.012 0.040-0.012 0.018 0 0.030 0.007 0.038 0.012l10.283 5.937c0.013 0.007 0.039 0.022 0.039 0.067s-0.026 0.060-0.039 0.067zM25.831 8.803c-1.981-2.559-4.958-4.278-8.169-4.716-0.455-0.062-0.876 0.257-0.938 0.712s0.257 0.876 0.712 0.938c2.782 0.38 5.361 1.869 7.077 4.086 0.164 0.212 0.41 0.323 0.659 0.323 0.178 0 0.358-0.057 0.509-0.174 0.364-0.281 0.43-0.805 0.149-1.168z\"><\/path>\n<\/svg>\n<\/div><\/a><\/div><\/div>\n \n\n\n<p>\ud83c\udfe1 Join us for a comprehensive discussion on finding the right team, the importance of starting with credit, getting pre-approved, handling down payments, and the realities of HOAs, repairs, and equity. Our guests share their expert strategies and the advice they give their own kids\u2014making homeownership more achievable, less intimidating, and ultimately, part of a healthy, wealthy future.<\/p>\n\n\n \n<div data-block=\"gutenkit\/button\" data-post-id=\"592\" id=\"block-da91a630-72c4-49e0-9229-12f2b9ff75d4\" class=\"wp-block-gutenkit-button gkitff75d4 gutenkit-block\"><div class=\"gkit-btn-wraper\"><a class=\"gkit-btn\" href=\"https:\/\/share.transistor.fm\/s\/aeca5c34\">Listen Now<div class=\"icon-right\"><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\" class=\"gkit-icon\">\n<title>play-button1<\/title>\n<path d=\"M29.85 8.403c-2.136-3.7-5.585-6.346-9.711-7.452s-8.436-0.538-12.136 1.598c-3.7 2.136-6.346 5.585-7.452 9.711s-0.538 8.436 1.598 12.136c2.136 3.7 5.585 6.346 9.711 7.452 1.378 0.369 2.776 0.552 4.165 0.552 2.771 0 5.506-0.727 7.971-2.15 3.7-2.136 6.346-5.585 7.452-9.711s0.538-8.436-1.598-12.136zM29.839 20.108c-0.991 3.697-3.361 6.786-6.676 8.7s-7.175 2.422-10.872 1.431c-3.697-0.991-6.786-3.361-8.7-6.676s-2.422-7.175-1.431-10.872c0.991-3.697 3.361-6.786 6.676-8.7 2.208-1.275 4.658-1.926 7.141-1.926 1.244 0 2.497 0.164 3.731 0.494 3.697 0.99 6.786 3.361 8.7 6.676s2.422 7.175 1.431 10.872zM23.674 14.891l-10.283-5.937c-0.546-0.315-1.197-0.315-1.743-0s-0.871 0.879-0.871 1.509v11.874c0 0.63 0.326 1.194 0.871 1.509 0.273 0.158 0.572 0.236 0.871 0.236s0.599-0.079 0.871-0.236l10.283-5.937c0.546-0.315 0.871-0.879 0.871-1.509s-0.326-1.194-0.871-1.509zM22.841 16.467l-10.283 5.937c-0.013 0.007-0.039 0.022-0.077 0s-0.039-0.052-0.039-0.067v-11.874c0-0.014 0-0.045 0.039-0.067 0.015-0.009 0.028-0.012 0.040-0.012 0.018 0 0.030 0.007 0.038 0.012l10.283 5.937c0.013 0.007 0.039 0.022 0.039 0.067s-0.026 0.060-0.039 0.067zM25.831 8.803c-1.981-2.559-4.958-4.278-8.169-4.716-0.455-0.062-0.876 0.257-0.938 0.712s0.257 0.876 0.712 0.938c2.782 0.38 5.361 1.869 7.077 4.086 0.164 0.212 0.41 0.323 0.659 0.323 0.178 0 0.358-0.057 0.509-0.174 0.364-0.281 0.43-0.805 0.149-1.168z\"><\/path>\n<\/svg>\n<\/div><\/a><\/div><\/div>\n \n\n\n<p>\ud83c\udf1f Topics Covered:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Step-by-step guide to the home buying process<\/li>\n\n\n\n<li>How (and why) to repair your credit before buying<\/li>\n\n\n\n<li>Mortgage approval, budgeting, and calculating realistic monthly payments<\/li>\n\n\n\n<li>Down payment solutions\u2014including state programs, gifts, and 401k funds<\/li>\n\n\n\n<li>The appraisal and inspection process demystified<\/li>\n\n\n\n<li>Navigating HOAs: pros, cons &amp; what\u2019s included<\/li>\n\n\n\n<li>Building equity: why it\u2019s key to wealth<\/li>\n\n\n\n<li>Special considerations for single women homebuyers<\/li>\n\n\n\n<li>Using home warranties for peace of mind<\/li>\n\n\n\n<li>Tips for parents preparing young adults for homeownership<\/li>\n<\/ul>\n\n\n\n<p>Key takeaways:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Get your credit in shape early\u2014credit repair is possible and sometimes crucial to qualifying for a loan.<\/li>\n\n\n\n<li>Before shopping for homes, get pre-approved with a trusted lender and know exactly what you can afford monthly\u2014including hidden costs like taxes, insurance, and HOA dues.<\/li>\n\n\n\n<li>Down payment assistance programs and gifts can help first-time buyers\u2014know your options and what money you\u2019ll need upfront.<\/li>\n\n\n\n<li>The appraisal and inspection processes protect you and your lender; understand contingencies and how to negotiate repairs or credits.<\/li>\n\n\n\n<li>Building equity is the biggest financial advantage of homeownership\u2014smart entry, even with a \u201cstarter\u201d home, sets the stage for your wealth.<\/li>\n\n\n\n<li>Home warranties and reliable professional contacts can ease the transition from renting to owning\u2014especially for those without DIY skills.<\/li>\n\n\n\n<li>No matter your situation\u2014single, starting over, or buying with a partner\u2014there\u2019s a path to homeownership with the right preparation and support.<\/li>\n<\/ul>\n\n\n\n<p>Some questions I ask:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>For first-time buyers, what are the biggest challenges or surprises you help them prepare for?<\/li>\n\n\n\n<li>What credit tips do you recommend to those just starting out, or recovering from financial setbacks like bankruptcy?<\/li>\n\n\n\n<li>What options exist for buyers lacking down payments?<\/li>\n\n\n\n<li>How do you coach clients who can\u2019t qualify for their \u201cdream home\u201d yet?<\/li>\n\n\n\n<li>What should buyers look for (and avoid) with HOAs and special assessments?<\/li>\n\n\n\n<li>What\u2019s most important for single women or young adults considering their first purchase?<\/li>\n\n\n\n<li>How do you support clients through repairs and post-sale home maintenance?<\/li>\n<\/ul>\n\n\n\n<p>Resources List:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Premier Credit Solutions (credit repair)<\/li>\n\n\n\n<li>Gateway Mortgage (multi-state lending)<\/li>\n\n\n\n<li>ReMax Professionals (Reno\/Nevada real estate)<\/li>\n\n\n\n<li>State of Nevada Down Payment Assistance Program<\/li>\n\n\n\n<li>(Check with your mortgage lender for local programs)<\/li>\n\n\n\n<li>FHA, VA, and Conventional Home Loans: Explanation of government-insured vs. conventional loans<\/li>\n\n\n\n<li>EDAWN &#8211; Economic Development Authority of Western Nevada<\/li>\n\n\n\n<li>Home Warranty providers (consult with your Realtor)<\/li>\n\n\n\n<li>General advice: YouTube for home repairs and DIY<\/li>\n\n\n\n<li>For support finding experts in other states, contact one of the episode\u2019s guests for referrals<\/li>\n<\/ul>\n\n\n\n<p>Contact our Guests:<\/p>\n\n\n\n<p>Jill Blessing-Bonnet: Gateway Mortgage<br>-Website:&nbsp;<a href=\"http:\/\/everyloanneedsablessing.com\/\">everyloanneedsablessing.com<\/a><br>-Email:&nbsp;<a href=\"mailto:jill.blessing@gatewayloan.com\">jill.blessing@gatewayloan.com<\/a><br>-Phone: 775-224-2234<br>@blessingloans<\/p>\n\n\n\n<p>Angela Kluck<br>REALTOR &#8211; REMAX&nbsp;<br>@angelakluckrealestate&nbsp;<br><a href=\"http:\/\/akluck.remax.com\/\">akluck.remax.com<\/a><br><a href=\"mailto:angela@angelakluck.com\">angela@angelakluck.com<\/a>&nbsp;<br>Cell:&nbsp;<a href=\"tel:775-224-3538\">775-224-3538<\/a><\/p>\n\n\n\n<p>Angie Salcido<br>Premier Credit Solutions LLC<br><a href=\"http:\/\/premiercreditsolutionsllc.com\/\">Premiercreditsolutionsllc.com<\/a><br><a href=\"mailto:angie@premiercreditsolutionsllc.com\">angie@premiercreditsolutionsllc.com<\/a><br>775-686-6281 direct<br>775-750-4087 cell<\/p>\n\n\n\n<p>Whether you\u2019re starting your journey or just curious about the housing market, this episode is packed with valuable insights! \ud83c\udfe1<\/p>\n\n\n\n<p>Don&#8217;t miss out on this heartfelt and inspiring first episode! Subscribe for more insights on living a Healthy, Happy, Wise, Wealthy life.<\/p>\n\n\n\n<p>We are excited to have IT company&nbsp;<a href=\"https:\/\/www.mindiii.com\/\">https:\/\/www.mindiii.com<\/a>&nbsp;as a podcast sponsor.&nbsp;<\/p>\n\n\n\n<p>Founded in 2015, MINDIII is a Product Development and Data + AI Company that builds scalable digital products and intelligent data platforms. They help businesses design, engineer, and launch high-impact web and mobile applications, powered by modern data engineering, analytics, and AI solutions.<\/p>\n\n\n\n<p>Specialities:<\/p>\n\n\n\n<p>Product Strategy &amp; Full-Stack Development<\/p>\n\n\n\n<p>AI-Powered Web &amp; Mobile Apps&nbsp;<\/p>\n\n\n\n<p>Data Engineering &amp; Analytics<\/p>\n\n\n\n<p>AI &amp; ML Solutions<\/p>\n\n\n\n<p>Cloud &amp; DevOps Solutions<\/p>\n\n\n\n<p>IT Consulting &amp; Dedicated Teams<\/p>\n\n\n\n<p>UI\/UX &amp; Workflow Automation<\/p>\n\n\n\n<p>Software Testing, Maintenance &amp; Support<\/p>\n\n\n\n<p>Email &#8211;&nbsp;<a href=\"mailto:healthyhappywisewealthy@gmail.com\">healthyhappywisewealthy@gmail.com<\/a>&nbsp;or&nbsp;<a href=\"mailto:santosh@mindiii.com\">santosh@mindiii.com<\/a>&nbsp;to request a quote for software services listed above.<\/p>\n\n\n\n<p>Connect with Healthy Happy Wise Wealthy Podcast:<\/p>\n\n\n\n<p>\ud83c\udf1f Connect on @Instagram, @Facebook, @TikTok and @LInkedIn @HealthyHappyWiseWealthy<\/p>\n\n\n\n<p>https:\/\/www.youtube.com\/@HealthyHappyWiseWealthyNetwork<br>Listen on @Spotify, @Audible, @Applepodcasts, @iHeartRadio, @Pandora and more<\/p>\n\n\n\n<p>Know someone who should be a guest? Email&nbsp;<a href=\"mailto:healthyhappywisewealthy@gmail.com\">healthyhappywisewealthy@gmail.com<\/a><\/p>\n\n\n\n<p>Mary Meyer is a Business Development Consultant, Host, On-Camera Talent, Coach and Storyteller<\/p>\n\n\n\n<p>Produced by the All-Talented Erika Christie&nbsp;<\/p>\n\n\n\n<p>#HealthyHappyWiseWealthy #theGoodPodCommunity #HomeBuying #HomeOwnership #BuyingYourFirstHome #CreditScore #Mortgage #Realtor&nbsp; #FirstTimeBuyer #CreditRepair #RealEstateAdvice #MortgageTips #Homeownership #BuildEquity #WomenAndWealth<\/p>\n\n\n \n<div data-block=\"gutenkit\/back-to-top\" data-post-id=\"592\" id=\"block-086e1ea6-4c20-4b81-8c73-426d51d4f772\" class=\"wp-block-gutenkit-back-to-top icon-only gkitd4f772 gutenkit-block\"><div class=\"gkit-back-to-top\" data-settings=\"{&quot;style&quot;:&quot;icon-only&quot;,&quot;offset_top&quot;:0,&quot;show_scroll&quot;:false,&quot;show_after&quot;:400,&quot;foreground&quot;:&quot;#FF5050&quot;,&quot;background&quot;:&quot;#EEEEEE&quot;}\"><span class=\"icon-wrapper\"><div><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 384 512\" class=\"gkit-icon\"><path d=\"M214.6 41.4c-12.5-12.5-32.8-12.5-45.3 0l-160 160c-12.5 12.5-12.5 32.8 0 45.3s32.8 12.5 45.3 0L160 141.2V448c0 17.7 14.3 32 32 32s32-14.3 32-32V141.2L329.4 246.6c12.5 12.5 32.8 12.5 45.3 0s12.5-32.8 0-45.3l-160-160z\"\/><\/svg><\/div><\/span><\/div><\/div>\n \n    <div class=\"xs_social_share_widget xs_share_url after_content \t\tmain_content  wslu-style-1 wslu-share-box-shaped wslu-fill-colored wslu-none wslu-share-horizontal wslu-theme-font-no wslu-main_content\">\n\n\t\t\n        <ul>\n\t\t\t        <\/ul>\n    <\/div> \n","protected":false},"featured_media":593,"template":"","meta":{"postBodyCss":"","postBodyMargin":[],"postBodyPadding":[],"postBodyBackground":{"backgroundType":"classic","gradient":""},"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":""},"class_list":["post-592","podcast","type-podcast","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/hhww.mindiii.com\/index.php\/wp-json\/wp\/v2\/podcast\/592","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hhww.mindiii.com\/index.php\/wp-json\/wp\/v2\/podcast"}],"about":[{"href":"https:\/\/hhww.mindiii.com\/index.php\/wp-json\/wp\/v2\/types\/podcast"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hhww.mindiii.com\/index.php\/wp-json\/wp\/v2\/media\/593"}],"wp:attachment":[{"href":"https:\/\/hhww.mindiii.com\/index.php\/wp-json\/wp\/v2\/media?parent=592"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}