The Truth About Buying a Home in 2026 - Brick by Brick Podcast Episode 2

Samier, Sales Manager of the Purchase Division at American Financing, pulls back the curtain on what separates a great mortgage experience from a frustrating one. From busting the 20% down payment myth to explaining down payment assistance, VA loans, and bank statement programs, this conversation covers the full range of options available to today's buyers. Whether you're a first-time buyer, self-employed, or just starting to think about homeownership, you'll walk away knowing exactly how to prepare and what to expect from first call to closing. #americanfinancing #refinance #mortgage Call or click to find out how much you could save! 888-985-0060 https://go.americanfinancing.net/4xoPSED NMLS #182334 www.NMLSConsumerAccess.org; Equal Housing Lender. Licensed in 50 states. APR for rates in the 5s start at 6.327% for well qualified borrowers. Call 888-985-0060 for details about credit, costs and terms. Visit AmericanFinancing.net. Average savings based on borrowers who save over $199.99 0:00 - Welcome & Introduction 0:44 - How American Financing Works as a Correspondent Lender 1:37 - Putting the Customer First: Salary-Based Consultants 2:59 - Endorsers Who Actually Vet the Company 3:34 - The Real Meaning of Generational Wealth 6:21 - Breaking the 20% Down Payment Myth 7:41 - What Is Down Payment Assistance? 9:08 - Helping Self-Employed & Non-Traditional Borrowers 10:22 - Full Range of Loan Products Offered 13:06 - Why Experience & Tenure Matters 13:51 - How to Prepare Before Your First Call 15:12 - The Pre-Approval Process Explained 17:26 - From First Call to Closing: The Full Journey 20:21 - The Pride of Owning Your First Home 21:44 - Understanding Mortgage Responsibilities