# 73: How to Buy Your First House with Less Money Than You Think

Page: https://stenobird.com/podcast/the-legacy-investor-with-cameron-philgreen-7112192/73-how-to-buy-your-first-house-with-less-money-than-you-think
Text version: https://stenobird.com/podcast/the-legacy-investor-with-cameron-philgreen-7112192/73-how-to-buy-your-first-house-with-less-money-than-you-think.md
Podcast: [The Legacy Investor with Cameron Philgreen](https://stenobird.com/podcast/the-legacy-investor-with-cameron-philgreen-7112192)
Published: 2026-05-04T13:00:00+00:00
Episode link: https://share.transistor.fm/s/24c23dd0
Audio file: https://pdcn.co/e/media.transistor.fm/24c23dd0/79c43467.mp3
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Duration seconds: 1801

## Resource

In this episode, I sit down with Zach Griffin NMLS ID #1820477 to talk through one of the most important first steps in building wealth: buying your first home. This conversation is especially for first-time homebuyers, people who want to house hack, or anyone who feels like homeownership is out of reach. Zach breaks down the mortgage process in a simple, practical way and explains why you may not need nearly as much money as you think to get started. We talk about how much money you actually need to buy a house, the difference between FHA and conventional loans, what to ask a lender, how to think about credit repair, and why talking to the right mortgage professional early can help you build a clear game plan. We also get into house hacking and why your first property can completely change the trajectory of your financial future. Whether that means buying a duplex, renting out rooms, or creatively turning part of your home into a separate living space, there are more ways to get started than most people realize. If you’ve been telling yourself you don’t make enough money, don’t have enough saved, or aren’t ready to buy a home, this episode will give you the clarity and confidence to take the next step.

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## Transcript

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