Renting can feel like a trap. There is a way out.
Every month the rent goes out and nothing comes back. I Hate Renting is the real path from tenant to homeowner, written plain so a first-time buyer can actually use it.
- ✓Why renting feels stuck, and the math that proves it
- ✓What you really need to qualify (less than you think)
- ✓First-time-buyer programs and down payment assistance
Written by Jason Sharon, Navy veteran and mortgage broker. Lowcountry-focused, first-time-buyer friendly.
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You are not bad with money. The system is built to keep you renting.
Rent goes up every year, your landlord builds equity with your payment, and the goalposts on buying keep moving. Here is the honest picture, and the way out the book lays out step by step.
What renting actually costs you
- xEvery payment is gone for good. You are paying off your landlord's mortgage, not yours.
- xRent climbs almost every renewal. Your housing cost has no ceiling.
- xNo equity, no tax benefits, no fixed payment you can plan a life around.
- xThe longer you wait, the more "someday" quietly turns into "never."
What owning changes
- ✓A big chunk of every payment builds equity you keep.
- ✓A fixed-rate payment that does not jump every year.
- ✓Programs that let real first-time buyers in with far less down than most people assume.
- ✓A plan you can start now, even if you are not "ready" on paper yet.
Every month the rent goes out and nothing comes back. The book shows you how to change that.
Most renters could buy sooner than they think.
The biggest thing standing between renters and a home is bad information. I Hate Renting clears it up, and when you are ready to run your real numbers, that is exactly what I do every day as a broker.
You probably do not need 20%
First-time buyer and FHA programs open the door with far less down, and gift funds can often help. The book walks through the real minimums, and I can confirm what fits your situation.
Credit is a range, not a wall
There is no single magic score. Different programs have different floors, and a few smart moves can shift you into qualifying range faster than you would guess.
Help with the down payment exists
State and local down payment assistance can cover a chunk of what you need up front. Many renters qualify and never find out. The book shows where to look, and how it stacks with a loan.
When you are ready to see your own numbers, Home Loans Inc has a dedicated walkthrough for first-time home buyers, plus a plain-English guide to down payment assistance programs you may qualify for.
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Jason Sharon spent 20 years in the Navy. Then he started getting renters into homes.
I wrote I Hate Renting because I kept meeting good people who believed they could never buy. Too little saved, credit not perfect, nobody in their corner. None of that was the real problem. The real problem was that nobody had shown them the actual path.
I am a Navy veteran and a mortgage broker, not a banker. That means I shop the whole market for first-time buyers instead of selling one bank's loan. The book is the map. I am the person who walks the Lowcountry version of it with you.
Jason SharonAuthor, I Hate Renting - Broker/Owner, Home Loans Inc - NMLS #1281448
Renters who became owners, in their own words.
Jason knows his stuff! We highly recommend him for your mortgage needs! He responds timely, provides information you didn't know you needed, puts the client needs first, and makes common sense adjustments throughout the entire process.
Jason and his team did an amazing job for me. They communicated often and made the entire mortgage process smooth and efficient. I can genuinely say that they are honest, trustworthy and strive to provide the best service possible to their clients.
Jason has been awesome since the beginning. He has been communicative, professional, KNOWLEDGEABLE, and honest. I am very happy with all my services so far, and I recommend UWM!
Accredited A+ by the Better Business Bureau.
The book gives you the plan. The brokerage behind it is the real thing: clear fees, straight answers, and an A+ BBB record. Verify it yourself, the seal links straight to the profile.
First-time buyer questions, answered.
What is I Hate Renting about?
It is a plain-English guide for renters and first-time buyers who feel stuck. It covers why renting keeps you in place, the real path to owning, what you actually need to qualify, and the first-time-buyer programs and down payment assistance most renters never hear about.
How do I get the book?
You can get I Hate Renting on Amazon. Prefer a taste first? Grab the free chapter and we will send it your way, then you can talk to Jason about your own numbers whenever you are ready.
Do I really need 20% down to buy?
Usually not. First-time buyer and FHA loans let qualified buyers in with much less down, and down payment assistance can help cover the rest. The book breaks down the real minimums, and Home Loans Inc has a full walkthrough of down payment assistance options.
My credit is not perfect. Can I still buy?
Often, yes. There is no single magic score, and different loan programs have different floors. A few targeted moves can shift you into qualifying range faster than you would expect. The honest answer comes from looking at your real situation, which is exactly what a broker does.
Is this just a book, or can someone actually help me buy?
Both. The book is the map. Jason Sharon is a Navy veteran and mortgage broker who helps first-time buyers in the Lowcountry and across 10 states do it for real. When you are ready, see the first-time buyer guide at Home Loans Inc or book a call.
Stop paying your landlord's mortgage.
Renting is temporary. Owning is yours. Get the full book free and start the path out today.
Jason is also a mortgage broker. Questions?(843) 569-7283 / 843.LOW.RATE