Yo Quiero Dinero You're More Ready to Buy a Home Than You Think with Josie White of Chase Home Lending
¡Hola mi gente! If buying a home has felt like a dream that wasn't built for people like you — this episode is going to change that.
Today I'm sitting down with Josie White, Home Lending Advisor at Chase Home Lending, who has spent 15 years helping people navigate the mortgage process and 30 years in banking. She's bilingual, she's been in the trenches with buyers at every income level, and she is here to tell you the truth about what it actually takes to buy a home in 2026.
We're busting the biggest myths: the 20% down payment (nope, not required), the "perfect credit score" (also not required), and the idea that being self-employed or having limited savings means it's not possible for you (also not true — with some asterisks).
WE GET INTO:
00:00 - Intro: Homeownership for First-Gen Latinos (Sponsored by Chase Home Lending)
01:44 - Josie's Role at Chase and 15 Years in Home Lending
02:47 - How Today's Buyers Are Different From Your Parents' Generation
04:12 - Jannese's Real Estate Journey: From One Property to Two (and Counting)
05:19 - The Biggest Mistake Buyers Make: Don't Assume Before You Ask
06:38 - What You Actually Need to Know About Qualifying for a Mortgage
07:59 - What If I Don't Have 20% Down? Your Real Options
09:04 - Pre-Qualification vs. Pre-Approval: What's the Difference?
11:16 - Buy Based on Your Current Finances, Not What You Hope For
12:16 - How Chase Helps Buyers Who Feel Intimidated By the Process
14:29 - DreaMaker Mortgage and Low-to-Moderate Income Lending Programs
15:51 - The Free Credit Journey Tool and the Perfect Credit Score Myth
17:10 - A Cautionary Tale for Self-Employed Buyers
19:13 - Fixed Rate vs. Adjustable Rate Mortgages Explained
21:05 - FHA vs. VA vs. Conventional Loans: What's the Difference?
23:13 - How Jannese's Dad Bought His Home With a VA Loan
24:01 - Multi-Generational and Co-Buying Arrangements
25:19 - How to Strengthen Your Financial Profile Before You Buy
26:44 - Mindset for Navigating Today's Housing Market
28:42 - How to Take the First Step With Chase Home Lending
29:59 - Outro and Final Thoughts
KEY TAKEAWAYS:
- The real difference between pre-qualification and pre-approval (and why it matters)
- Chase's DreamMaker Mortgage and homebuyer grants of up to $5,000 that don't have to be repaid
- How your credit score actually affects your interest rate — and Chase's free Credit Journey tool to help you improve it
- Documentation you need to have ready (especially if you're self-employed)
- Fixed rate vs. adjustable rate mortgages — and which one is right for your situation
- FHA, VA, and conventional loans broken down simply
- Multi-generational and co-buying arrangements that more families are using to get into the market
EPISODE RESOURCES:
TAKE THE NEXT STEP:
This episode of Yo Quiero Dinero is sponsored by Chase Home Lending and produced by Heart Centered Podcasting.
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