
The Smart First-Time Home Buying Guide
How to Save for a Home Down Payment with Limited Money
Failed to add items
Add to Cart failed.
Add to Wish List failed.
Remove from wishlist failed.
Adding to library failed
Follow podcast failed
Unfollow podcast failed
$0.99/mo for the first 3 months

Buy for $6.95
No default payment method selected.
We are sorry. We are not allowed to sell this product with the selected payment method
-
Narrated by:
-
Michael Campobasso
-
By:
-
Thomas.K Lutz
About this listen
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.LutzListeners also enjoyed...
-
The Smart First-Time Home Buyer's Guide
- How to Avoid Making First-Time Home Buyer Mistakes
- By: Thomas K. Lutz, Adela Carter
- Narrated by: Garry McLinn
- Length: 1 hr and 34 mins
- Unabridged
-
Overall
-
Performance
-
Story
Buying a home can be both exciting and overwhelming for first-time home-buyers. Most first-time home-buyers have never gone through the stressful experience of buying a home, and they often have to learn the hard way when buying their first home. In this Informative guide, you will discover all common mistakes most first-time buyers make and some of the most important features to look for when buying your first dream home.
-
-
Trite and useless
- By ScienceMan on 04-11-21
By: Thomas K. Lutz, and others
-
The Cash Cowboy Combo!
- The Ultimate 2-in-1 Book Bundle to Launch Your Journey into Long-Term Investing, Retirement Planning, Tax and Debt Reduction, and Frugal Living
- By: Paxton S. Finnegan
- Narrated by: Eric Reed
- Length: 9 hrs and 13 mins
- Unabridged
-
Overall
-
Performance
-
Story
Now you can enjoy both of Paxton S. Finnegan's step-by-step guides to a better financial life in one convenient volume containing the complete unabridged versions of You Can't Have My Money! and Hunting Purple Elephants.
-
-
Fantastic Financial Advice
- By hudlocke on 05-17-22
-
Buying and Maintaining a Fisherman's Cottage
- By: James G. Whitelaw
- Narrated by: Richard R. Hartmann
- Length: 37 mins
- Unabridged
-
Overall
-
Performance
-
Story
Have you ever dreamed of owning a cottage by the sea? Many people have, but just never quite get around to it. This book will guide you through the process of searching for, buying, and maintaining your dream fisherman's cottage.
-
-
An essential fisherman’s listen
- By Lightreader89 on 07-24-21
-
Simplify Your Life and Become a Home Minimalist
- Tips on Living Strategies That Will Help You Organize Your House to Live a Cozy Life
- By: John Ward
- Narrated by: KC Wayman
- Length: 3 hrs and 12 mins
- Unabridged
-
Overall
-
Performance
-
Story
I think that for most people, home is one of the most, if not the most valuable asset. It's a place of comfort, relaxation, coziness, and peace - at least it should feel like this. And if it doesn’t, there must be some changes to be made there. Inside this book, I will teach you can make those changes the following the minimalist approach.
-
-
I'm Looking Forward to Putting This Info to Use
- By Leilani on 08-24-20
By: John Ward
-
The Double Monetary Hourglass
- 11 Strategies for Finding Balance in Money Management for 20 and 30 Somethings, and Eliminating Student Loan Debt Quickly During or After College for Beginners
- By: Lou Vachon
- Narrated by: John J. Grace
- Length: 3 hrs and 51 mins
- Unabridged
-
Overall
-
Performance
-
Story
Do you find yourself worrying about what you’re going to do once you get out of college? 70 percent of college graduates enter the workforce with over $30,000 in debt. But this doesn't have to be you. You don't have to become part of yet another statistic. Being financially independent as you walk off that graduation stage is not a far-fetched fantasy. This is not a reality reserved solely for those who have very wealthy parents. You can achieve financial success even while in school, and can carry this forward with you throughout the rest of your life.
-
-
Bang on!
- By Marc Bourbonnais on 09-13-22
By: Lou Vachon
-
Mind Your Minimalism
- Learn to Declutter, Organize, and Simplify Your Life
- By: John Ward
- Narrated by: KC Wayman
- Length: 3 hrs and 15 mins
- Unabridged
-
Overall
-
Performance
-
Story
Are you excessive, extravagant, and heavily oriented on acquiring as much of everything as you can? Do you face a struggle with trimming down the excesses that occupy space in your life? Do you have a lot of baggage in life to a point where they tire you out and hold you back? If so, there is a simple solution to your problem: Mind Your Minimalism.
-
-
Audience -> single, teenaged boy?
- By Kat on 07-11-24
By: John Ward
-
The Smart First-Time Home Buyer's Guide
- How to Avoid Making First-Time Home Buyer Mistakes
- By: Thomas K. Lutz, Adela Carter
- Narrated by: Garry McLinn
- Length: 1 hr and 34 mins
- Unabridged
-
Overall
-
Performance
-
Story
Buying a home can be both exciting and overwhelming for first-time home-buyers. Most first-time home-buyers have never gone through the stressful experience of buying a home, and they often have to learn the hard way when buying their first home. In this Informative guide, you will discover all common mistakes most first-time buyers make and some of the most important features to look for when buying your first dream home.
-
-
Trite and useless
- By ScienceMan on 04-11-21
By: Thomas K. Lutz, and others
-
The Cash Cowboy Combo!
- The Ultimate 2-in-1 Book Bundle to Launch Your Journey into Long-Term Investing, Retirement Planning, Tax and Debt Reduction, and Frugal Living
- By: Paxton S. Finnegan
- Narrated by: Eric Reed
- Length: 9 hrs and 13 mins
- Unabridged
-
Overall
-
Performance
-
Story
Now you can enjoy both of Paxton S. Finnegan's step-by-step guides to a better financial life in one convenient volume containing the complete unabridged versions of You Can't Have My Money! and Hunting Purple Elephants.
-
-
Fantastic Financial Advice
- By hudlocke on 05-17-22
-
Buying and Maintaining a Fisherman's Cottage
- By: James G. Whitelaw
- Narrated by: Richard R. Hartmann
- Length: 37 mins
- Unabridged
-
Overall
-
Performance
-
Story
Have you ever dreamed of owning a cottage by the sea? Many people have, but just never quite get around to it. This book will guide you through the process of searching for, buying, and maintaining your dream fisherman's cottage.
-
-
An essential fisherman’s listen
- By Lightreader89 on 07-24-21
-
Simplify Your Life and Become a Home Minimalist
- Tips on Living Strategies That Will Help You Organize Your House to Live a Cozy Life
- By: John Ward
- Narrated by: KC Wayman
- Length: 3 hrs and 12 mins
- Unabridged
-
Overall
-
Performance
-
Story
I think that for most people, home is one of the most, if not the most valuable asset. It's a place of comfort, relaxation, coziness, and peace - at least it should feel like this. And if it doesn’t, there must be some changes to be made there. Inside this book, I will teach you can make those changes the following the minimalist approach.
-
-
I'm Looking Forward to Putting This Info to Use
- By Leilani on 08-24-20
By: John Ward
-
The Double Monetary Hourglass
- 11 Strategies for Finding Balance in Money Management for 20 and 30 Somethings, and Eliminating Student Loan Debt Quickly During or After College for Beginners
- By: Lou Vachon
- Narrated by: John J. Grace
- Length: 3 hrs and 51 mins
- Unabridged
-
Overall
-
Performance
-
Story
Do you find yourself worrying about what you’re going to do once you get out of college? 70 percent of college graduates enter the workforce with over $30,000 in debt. But this doesn't have to be you. You don't have to become part of yet another statistic. Being financially independent as you walk off that graduation stage is not a far-fetched fantasy. This is not a reality reserved solely for those who have very wealthy parents. You can achieve financial success even while in school, and can carry this forward with you throughout the rest of your life.
-
-
Bang on!
- By Marc Bourbonnais on 09-13-22
By: Lou Vachon
-
Mind Your Minimalism
- Learn to Declutter, Organize, and Simplify Your Life
- By: John Ward
- Narrated by: KC Wayman
- Length: 3 hrs and 15 mins
- Unabridged
-
Overall
-
Performance
-
Story
Are you excessive, extravagant, and heavily oriented on acquiring as much of everything as you can? Do you face a struggle with trimming down the excesses that occupy space in your life? Do you have a lot of baggage in life to a point where they tire you out and hold you back? If so, there is a simple solution to your problem: Mind Your Minimalism.
-
-
Audience -> single, teenaged boy?
- By Kat on 07-11-24
By: John Ward
-
Financial Literacy for Young Adults Simplified
- Discover How to Manage, Save, and Invest Money to Build a Secure & Independent Future
- By: Raman Keane
- Narrated by: Alan I Ross
- Length: 3 hrs and 22 mins
- Unabridged
-
Overall
-
Performance
-
Story
Investing in your future is easier than you think—discover how and achieve financial security more quickly than you can possibly imagine. Young adults are especially financially vulnerable because they’re just starting out, want a lot of “stuff,” and are not earning the big bucks yet. So, they’re borrowing too much and saving too little (if at all), and they’re in a financial mess. But it doesn’t have to be like that. Instead, imagine a life where you have peace of mind, because your financial affairs are in order, and you’re on the right path to building wealth.
-
-
Gave me a better insight on how to start saving
- By Thomas Capozzi on 03-31-25
By: Raman Keane
-
Debt-Free: Simple Steps to a Debt-Free Life Without the Hype
- By: M.H. Khan
- Narrated by: David Sadzin
- Length: 4 hrs and 40 mins
- Unabridged
-
Overall
-
Performance
-
Story
Debt-Free: Simple Steps to a Debt-Free Life Without the Hype is the audiobook that should be in everyone's personal library. Debt plays a big roll in your life. The unfortunate part is most people do not know how to control debt, and worse off is they get so far behind with no help in mind. This audiobook will show you how to stop borrowing money, establish an emergency fund, organize your debt, and negotiate your debt.
-
-
great job
- By Ramona Zamora on 02-15-18
By: M.H. Khan
-
The Minimalist Way
- Minimalism Strategies to Declutter Your Life and Make Room for Joy
- By: Erica Layne
- Narrated by: Suehyla El-Attar
- Length: 4 hrs
- Unabridged
-
Overall
-
Performance
-
Story
Discover how to apply the minimalist mindset to every aspect of your life by changing the way you think about your home, career, relationships, family, and money. The Minimalist Way will help you take it one step at a time with simple exercises and activities. Ease into minimalism at your own pace and learn how to let go.
-
-
Minimalism. Lives up to its Title
- By AdaManda on 12-30-19
By: Erica Layne
-
Real Estate Investing Buying Your First House Younger
- Discover 7 Home Buyers Secrets, Escaping Beginner’s Mistakes, Stress, and How It Can Also Become Your First Investment Property.
- By: Lou Vachon
- Narrated by: Lawrence J. Hern
- Length: 4 hrs and 11 mins
- Unabridged
-
Overall
-
Performance
-
Story
What you should know so the house of your dreams doesn’t become a nightmare. Having your very own place to call home...is it a far-off fantasy or a reachable reality? If you’re serious about making this dream a reality sooner than later, there are some steps you’ll need to take, and know the pros and cons. Fortunately, this is a journey you don’t have to do alone. From searching for your perfect home, to getting and paying for it and keeping it in order, you can find it in this clear reference that covers the whole home-buying process.
-
-
Very Recommended
- By John Savage on 02-05-22
By: Lou Vachon
-
Lucid Dreaming
- Discover How to Become Conscious While Sleeping and Control the Storyline of Your Dreams
- By: Wendy Robbins
- Narrated by: Alaura Howery
- Length: 3 hrs and 2 mins
- Unabridged
-
Overall
-
Performance
-
Story
Imagine experiencing all the things that happen in dreams, but with one extraordinary difference: You are “lucid” - consciously and joyously in control. With lucid dreaming, you have the opportunity to decide whatever you want to dream, while being fully conscious and remembering it all after you wake up.
-
-
It wz ok
- By Amore on 03-20-21
By: Wendy Robbins
-
Real Estate Investing
- How to Invest in Real Estate and Build True Passive Income to Achieve True Financial Freedom with Commercial, Wholesaling, Single Family and Multifamily Homes
- By: Income Mastery
- Narrated by: Michael Tingle
- Length: 3 hrs and 6 mins
- Unabridged
-
Overall
-
Performance
-
Story
Ready to earn true passive income? Want to get your feet wet in real estate investing? Get this audiobook today and let’s get started! This guide, you will learn what you need to know to get started with real estate investing and might even allay your fears towards some questions every real estate beginner has. Get started with real estate investing and know the true meaning of passive income.
-
-
Easy to listen, super interesting and realistic.
- By Silvana on 07-17-21
By: Income Mastery
-
Money Management Skills for Beginners: Learn Strategies to Become Debt Free and Reach Financial Freedom
- By: Leonardo Turner
- Narrated by: Sam Slydell
- Length: 3 hrs and 22 mins
- Unabridged
-
Overall
-
Performance
-
Story
One of the most important steps towards being independent is financial independence. This means you are in total control of your expenses and the money you make. Money is crucial when it comes to living well in the community, but you don’t need too much money to become independent, happy, or even successful. You merely need to know how to control your expenses and manage the money you have, so that it can work for you.
-
-
Managing Money Right
- By David on 07-23-19
By: Leonardo Turner
-
Financial Budgeting
- Learn How to Manage Your Money, Spending, Savings, Credit Card Debt and Strategies to Increase Your Wealth
- By: Robert Anderson
- Narrated by: Sam Slydell
- Length: 3 hrs and 4 mins
- Unabridged
-
Overall
-
Performance
-
Story
Everyone has an opportunity to grow their money and get out of debt, but you must start to make this a reality. Be warned, though, when your income starts to grow, it is easy to fall into temptation and start spending more than you are earning again. Refrain and continue saving and investing your money. Every small step counts. Every coin kept and invested counts. If you use the profit you make, you will be unable to grow your wealth...With time, you will have a venture that can not only buy you whatever you want but one that will continue to grow over the years.
-
-
very useful!!
- By gisselle on 03-20-21
By: Robert Anderson
-
Personal Finance Strategies
- A Proven Guide To Pay Off Mortgages, Student Loans, Credit Card Debt, Save More, Investing and Money Management
- By: Robert Anderson
- Narrated by: Sam Slydell
- Length: 3 hrs and 10 mins
- Unabridged
-
Overall
-
Performance
-
Story
Do you owe too much money? Are your debts crushing your spirit, embarrassing you, and stressing you out? You’re not alone. The good news is that you can fix that. And this audiobook will show you how. You’re about to learn time-tested strategies for winning your battles with debt. And I’m also going to share with you some strategies for increasing your income, as well as some important precautions you can take to minimize the risk of unforeseen events ruining your plans.
-
-
Very hepful and inspiring!
- By Leonard on 10-03-19
By: Robert Anderson
-
Money Management Turn Bad Credit into Good Credit
- A Simple Beginners Guide on the Best Strategies to Be Debt Free, Save Money, Personal Finance and Financial Independence
- By: Robert Anderson
- Narrated by: Sam Slydell
- Length: 3 hrs and 20 mins
- Unabridged
-
Overall
-
Performance
-
Story
The more you learn about the details of what bad credit is and how there are federal laws to help you overcome bad credit, the faster you will find yourself in financial freedom. Your credit score is vital to your life. It is something that helps you to enjoy life as you have added access to financial services and various investments. You must understand how your score can directly influence what you can purchase so that you can enjoy your life.
-
-
Don’t buy this book
- By yassah on 12-30-21
By: Robert Anderson
-
Debt Free Blueprint
- Learn Strategies to Get Out Of Debt Fast, Pay Off Mortgages, Credit Card and Money Management Skills
- By: Jake Robbins
- Narrated by: Tom Brooks
- Length: 3 hrs and 3 mins
- Unabridged
-
Overall
-
Performance
-
Story
Get rid of your debts, transform your finances, and use the money that’s been freed up to build your wealth. You’re about to see simple ways to get rid of the bad debts that are ruining your cash flow.
-
-
Simple and an innovative way to understand money.
- By Amazon Customer on 02-23-22
By: Jake Robbins
-
Money Management Skills
- A Beginners Guide on Personal Finance and Living Debt Free
- By: Jonathan Connor
- Narrated by: George D Franklin
- Length: 3 hrs and 14 mins
- Unabridged
-
Overall
-
Performance
-
Story
You are already practicing budgeting in most areas of your life. For most people, their budgeting progress is ruined by just a few financial activities. One of the most common areas where people lack discipline is in eating out. This is a big challenge for most millennials. Other people fail to budget well because of expensive tastes in clothing. If you want to reach your financial goals, you need to find out which financial activities hurt your budget.
By: Jonathan Connor
What listeners say about The Smart First-Time Home Buying Guide
Average customer ratingsReviews - Please select the tabs below to change the source of reviews.
-
Overall
-
Performance
-
Story
- Prince Nill
- 09-19-20
Most people won’t sacrifice
I think saving for any sort of down payment on a home will require sacrifice. It's a lot of money. The easiest way to cut back is the best way to save. And that's eliminating small purchases that have become habitual but likely provide relatively little value to your life. Cut down on things like eating out, premium coffees, shopping for things you don’t immediately need. Great audiobook on how to save. Recommended.
Something went wrong. Please try again in a few minutes.
You voted on this review!
You reported this review!
-
Overall
-
Performance
-
Story
- lebron
- 02-08-19
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.
Something went wrong. Please try again in a few minutes.
You voted on this review!
You reported this review!
-
Overall
-
Performance
-
Story
- kingdom
- 02-08-19
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.
Something went wrong. Please try again in a few minutes.
You voted on this review!
You reported this review!
-
Overall
-
Performance
-
Story
- Floy Perry
- 02-15-19
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.
Something went wrong. Please try again in a few minutes.
You voted on this review!
You reported this review!
-
Overall
-
Performance
-
Story
- Gertrude
- 02-15-19
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!
Something went wrong. Please try again in a few minutes.
You voted on this review!
You reported this review!
-
Overall
-
Performance
-
Story
- Elena Baker
- 02-02-19
A sensible home-buying guide.
This so makes sense! Sacrifice on other parts like you don’t have to rent first. Yes, there are downsides as the author has mentioned, but if the effect is greater than your sacrifice, it’s so worth it, right?
Something went wrong. Please try again in a few minutes.
You voted on this review!
You reported this review!
-
Overall
-
Performance
-
Story
- Washington D.C.
- 09-21-20
Helpful Guide
To be honest, it’s quite hard to save right now for most people. Everything is inflating, because of the pandemic. I am lucky that can stay with my parents, so I can save a bigger portion compare to others. Love this~ thanks Thomas!
Something went wrong. Please try again in a few minutes.
You voted on this review!
You reported this review!
-
Overall
-
Performance
-
Story
- Amazon Customer
- 08-10-19
wildly outdated material and ideas
waste of time.
takes one minuscule perspective of available options and treats it as the only way without even listing the larger scale
Something went wrong. Please try again in a few minutes.
You voted on this review!
You reported this review!
-
Overall
-
Performance
- David Vuilleumier
- 12-01-19
good for early college age or younger
should have read more about the book. its advice for young people just starting to think about the future. no specifics.
Something went wrong. Please try again in a few minutes.
You voted on this review!
You reported this review!
-
Overall
-
Performance
-
Story
- Errol
- 04-23-19
Useless.
it's like 90% motivation/inspiration and 10% about actual home buying. absolutely worthless for someone seeking real info about home buying.
Something went wrong. Please try again in a few minutes.
You voted on this review!
You reported this review!