Buying A Home Episodes
I Bought the House - Now How Do I Budget for Everything Else?
You’ve closed on your home, unpacked the boxes, and hung your first picture frame—but then the unexpected bills start arriving. Property taxes, insurance increases, dripping faucets, HVAC issues... suddenly, the financial pic...
What Exactly Are Closing Costs, and How Do I Budget for Them?
You’ve budgeted for your down payment and feel ready to close the deal—until you hear about a list of surprise expenses you hadn’t planned for. In this episode, Ralph unpacks the details of one of the most overlooked parts of...
Navigating the Mortgage Maze: How Do I Get a Good Loan?
Applying for a mortgage can feel like stepping into a maze of paperwork, rates, and pressure. In this episode, Ralph breaks down what makes the mortgage process so intimidating—and how you can approach it with clarity and con...
I Know What I Can Afford - How Do I Prepare Financially to Buy That H…
You’ve figured out what you can afford in a home, but how do you turn that into a real plan? In this episode, Ralph shares the practical steps every Christian should take to save, build credit, and avoid stress before signing...
Is Buying a Home Always the Right Financial Move for Me?
Is homeownership always the right next step—or just a cultural expectation? In this episode, Ralph walks through the spiritual and financial layers of one of life’s biggest decisions: whether to buy a home. From the weight of...
Why Can’t We Quit Paper Checks—and Are Scammers Cashing In?
Are you feeling weighed down by debt or worried about your parents' finances? Well, you’re in good company! Today, we’re diving into these heavy topics with some real talk and a sprinkle of humor. We’ll tackle the struggles o...
Home sweet home…or is it? The questions every first time buyer must a…
Are you dreaming of buying your first home but feeling overwhelmed by fear and uncertainty? In this episode, Ralph Estep explores the essential steps to approach homeownership with confidence and faith. He emphasizes the impo...
How will I ever be able to buy a home?
Feeling discouraged by rising home prices and overwhelming debt? You're not alone, and there is hope. Ralph Estep Jr. shares how biblical wisdom and practical financial strategies can help you achieve your dream of homeowners...
What is title insurance and why do I need it?
Title insurance is a crucial safeguard for homeowners, protecting against unexpected claims and potential financial disasters. In this episode, Ralph addresses a heartfelt question from a listener, Michael, who is grappling w...
Should I consider overpaying my mortgage?
Are you feeling overwhelmed by your mortgage payments and wondering if making extra payments could be the solution? Ralph Estep Jr. tackles this crucial question by exploring the potential benefits and pitfalls of overpaying ...
Can I use my 401-K to purchase a home?
Isabella from Tennessee shares her heartfelt struggle with the realities of renting and the desire for home ownership, raising the poignant question of whether to use retirement savings for a down payment. Ralph dives into th...