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Pick your niche / Niche moments
Buying a home

10 moments for home buyers.

Name the moment, not the job title. Each one has a hook line to open a post or video with, its ringtone (the letter, bill or date people react to before they think) and what's at stake.

  1. Saving for a down payment

    “Saving for a down payment? Keep it out of the stock market if you'll buy soon.”
    Ringtone
    A down payment goal
    What's at stake
    Short-term savings and risk.
  2. Getting pre-approved

    “Pre-approval says what the bank will lend, not what you should spend.”
    Ringtone
    The pre-approval letter
    What's at stake
    Affordability versus approval.
  3. PMI or 20% down

    “Waiting to save 20% could cost you more than PMI. Run both.”
    Ringtone
    The loan estimate
    What's at stake
    PMI tradeoffs.
  4. First-time buyer programs

    “First-time buyer? Your state may offer down payment help.”
    Ringtone
    A housing agency site
    What's at stake
    Assistance programs.
  5. Using retirement money

    “Using your 401(k) for a down payment? Read the rules first.”
    Ringtone
    A 401(k) loan form
    What's at stake
    Loans and withdrawals.
  6. Rate lock decision

    “Lock the rate now or wait? Know what a quarter-point costs.”
    Ringtone
    The rate lock deadline
    What's at stake
    Rate risk.
  7. Closing costs surprise

    “Closing costs can run several percent of the price. Budget for them.”
    Ringtone
    The closing disclosure
    What's at stake
    Cash at closing.
  8. The first year of ownership

    “First year in your home? Repairs will find you. Keep a fund.”
    Ringtone
    A broken water heater
    What's at stake
    Maintenance reserves.
  9. Refinance decision

    “Rates dropped? A refinance only helps if you stay long enough.”
    Ringtone
    A lender's refi offer
    What's at stake
    Break-even math.
  10. Rent or buy

    “Renting isn't throwing money away. Run the real comparison.”
    Ringtone
    A lease renewal
    What's at stake
    Total cost of ownership.

Make a video about one See advisors for home buyers

General education, not financial advice. Check rules and figures against current law before you publish.