How To Get Approved For A Home Loan: Step By Step - Ep. 63
Release Date: 05/08/2025
2026 Headwinds - Ep. 89
The Tony Stephan Show
If youโre new to my channel, my name is Tony Stephan. Iโm the founder and chief operator of Tony Stephan Enterprises (coaching & consulting), Stephan Group Real Estate Brokerage, and Tony Pro Investments (a family office, which is just a formal way of saying we invest our own money into multifamily real estate) If this is your first time finding me, welcome!โฆ Hereโs a quick outline of how I got here and what this channel is about. 14 yrs old: My mother abruptly left our home, we filed chapter 7 bankruptcy, and had a few years of very hard times. 18 yrs old: I lost my mother....
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50 Unit Breakdown - Ep. 88
The Tony Stephan Show
If youโre new to my channel, my name is Tony Stephan. Iโm the founder and chief operator of Tony Stephan Enterprises (coaching & consulting), Stephan Group Real Estate Brokerage, and Tony Pro Investments (a family office, which is just a formal way of saying we invest our own money into multifamily real estate) If this is your first time finding me, welcome!โฆ Hereโs a quick outline of how I got here and what this channel is about. 14 yrs old: My mother abruptly left our home, we filed chapter 7 bankruptcy, and had a few years of very hard times. 18 yrs old: I lost my mother....
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Your Small Multifamily Tenants Stopped Paying Rent - Here's What To Do - Ep. 87
The Tony Stephan Show
If youโre new to my channel, my name is Tony Stephan. Iโm the founder and chief operator of Tony Stephan Enterprises (coaching & consulting), Stephan Group Real Estate Brokerage, and Tony Pro Investments (a family office, which is just a formal way of saying we invest our own money into multifamily real estate) If this is your first time finding me, welcome!โฆ Hereโs a quick outline of how I got here and what this channel is about. 14 yrs old: My mother abruptly left our home, we filed chapter 7 bankruptcy, and had a few years of very hard times. 18 yrs old: I lost my mother....
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Hidden Expenses That KILL Cash Flow In Small Multifamily - Ep. 86
The Tony Stephan Show
If youโre new to my channel, my name is Tony Stephan. Iโm the founder and chief operator of Tony Stephan Enterprises (coaching & consulting), Stephan Group Real Estate Brokerage, and Tony Pro Investments (a family office, which is just a formal way of saying we invest our own money into multifamily real estate) If this is your first time finding me, welcome!โฆ Hereโs a quick outline of how I got here and what this channel is about. 14 yrs old: My mother abruptly left our home, we filed chapter 7 bankruptcy, and had a few years of very hard times. 18 yrs old: I lost my mother....
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Why We STOPPED Listening To Bigger Pockets As Multifamily Investors - Ep. 85
The Tony Stephan Show
If youโre new to my channel, my name is Tony Stephan. Iโm the founder and chief operator of Tony Stephan Enterprises (coaching & consulting), Stephan Group Real Estate Brokerage, and Tony Pro Investments (a family office, which is just a formal way of saying we invest our own money into multifamily real estate) If this is your first time finding me, welcome!โฆ Hereโs a quick outline of how I got here and what this channel is about. 14 yrs old: My mother abruptly left our home, we filed chapter 7 bankruptcy, and had a few years of very hard times. 18 yrs old: I lost my mother....
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Cash Flow Is DEAD In Multifamily, Focus On THIS Instead - Ep. 84
The Tony Stephan Show
If youโre new to my channel, my name is Tony Stephan. Iโm the founder and chief operator of Tony Stephan Enterprises (coaching & consulting), Stephan Group Real Estate Brokerage, and Tony Pro Investments (a family office, which is just a formal way of saying we invest our own money into multifamily real estate) If this is your first time finding me, welcome!โฆ Hereโs a quick outline of how I got here and what this channel is about. 14 yrs old: My mother abruptly left our home, we filed chapter 7 bankruptcy, and had a few years of very hard times. 18 yrs old: I lost my mother....
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How Much Cash Flow I Make On My Fourplex - Ep. 83
The Tony Stephan Show
If youโre new to my channel, my name is Tony Stephan. Iโm the founder and chief operator of Tony Stephan Enterprises (coaching & consulting), Stephan Group Real Estate Brokerage, and Tony Pro Investments (a family office, which is just a formal way of saying we invest our own money into multifamily real estate) If this is your first time finding me, welcome!โฆ Hereโs a quick outline of how I got here and what this channel is about. 14 yrs old: My mother abruptly left our home, we filed chapter 7 bankruptcy, and had a few years of very hard times. 18 yrs old: I lost my mother....
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Buying An OFF MARKET 10 Unit Small Multifamily Apartment (Client Success Story) - Ep. 82
The Tony Stephan Show
LIVE 2-HOUR MASTERCLASS ON HOW TO BUY YOUR FIRST SMALL MULTIFAMILY DEAL IN 2026: https://start.tonystephan.com/workshop-optin If youโre new to my channel, my name is Tony Stephan. Iโm the founder and chief operator of Tony Stephan Enterprises (coaching & consulting), Stephan Group Real Estate Brokerage, and Tony Pro Investments (a family office, which is just a formal way of saying we invest our own money into multifamily real estate) If this is your first time finding me, welcome!โฆ Hereโs a quick outline of how I got here and what this channel is about. 14 yrs old: My mother...
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Why Multifamily Real Estate Investors Lose Money - Ep. 81
The Tony Stephan Show
If youโre new to my channel, my name is Tony Stephan. Iโm the founder and chief operator of Tony Stephan Enterprises (coaching & consulting), Stephan Group Real Estate Brokerage, and Tony Pro Investments (a family office, which is just a formal way of saying we invest our own money into multifamily real estate) If this is your first time finding me, welcome!โฆHereโs a quick outline of how I got here and what this channel is about. 14 yrs old: My mother abruptly left our home, we filed chapter 7 bankruptcy, and had a few years of very hard times. 18 yrs old: I lost my mother....
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Small Multifamily With Massive Profit: $700K on 12 Units - Ep. 80
The Tony Stephan Show
If youโre new to my channel, my name is Tony Stephan. Iโm the founder and chief operator of Tony Stephan Enterprises (coaching & consulting), Stephan Group Real Estate Brokerage, and Tony Pro Investments (a family office, which is just a formal way of saying we invest our own money into multifamily real estate) If this is your first time finding me, welcome!โฆHereโs a quick outline of how I got here and what this channel is about. 14 yrs old: My mother abruptly left our home, we filed chapter 7 bankruptcy, and had a few years of very hard times. 18 yrs old: I lost my mother....
info_outlineIn this episode, Tony Stephan breaks down the steps required to get approved for your first home loan which include:
Check Your Credit Score & Report: Lenders use your credit score to determine loan approval and interest rates.
Determine How Much You Can Afford: Consider your income, debts, and down payment to estimate what home price fits your budget.
Save for a Down Payment & Closing Costs Standard down payment: 20% (but some loans allow as low as 3-5%).
Get Pre-Approved for a Mortgage: A lender reviews your credit, income, assets, and debts to determine how much they will lend you.
Find a Home & Make an Offer: Work with a real estate agent to find homes in your price range.
Get a Home Appraisal & Inspection Appraisal: The lender ensures the homeโs value matches the loan amount.
Inspection: A professional checks for major repairs (not required, but recommended).
Secure Final Loan Approval: The lender will verify your finances again (avoid new debt or job changes).
Close on Your New Home: Receive the keys to your new home!
Be sure to listen until the very end to get the answers to the following questions:
- What credit score do I need to get approved for a mortgage?
- How much income do I need to qualify for a home loan?
- What documents are required to get approved for a mortgage?
- How much debt is too much when applying for a home loan?
- What is the minimum down payment for a mortgage?
- How can I improve my chances of getting approved?
- Should I pay off debt or save for a down payment first?
- Does getting pre-approved guarantee final approval?
- What are red flags that can cause denial?
- What types of home loans are easiest to get approved for (FHA, VA, conventional, etc.)?
Ready to launch, grow or scale your business and invest in real estate for true time and lifestyle freedom? I have a few easy steps...
Get my Multifamily Due Diligence Check list here: https://tony-stephan.com/multi-family-check-list/
Get my real estate investing BRRRR BLUEPRINT (how to BUY, REHAB, RENT, REFINANCE, and REPEAT for an INFINITE return with apartment buildings) https://tony-stephan.com/blueprint/
Grab my BRAND NEW BOOK The New Rules To Financial Freedom: https://tony-stephan.com/financial-freedom-ebook/
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