January 6, 2015 (The Dave Ramsey Show)

"All the research shows that if you use a good realtor, the house brings more, you make fewer mistakes, and it sells faster. The net result is that the consumer who uses a high quality realtor, they more than justify their commission." Dave Ramsey

December 4, 2014 (The Dave Ramsey Show)

"Don't build or buy a house where the total dollars owed, house and land together, and the final mortgage after the house is built, should not create a payment that is more than a fourth of your take-home pay on a 15 year fixed rate mortgage." Dave Ramsey

September 2, 2014 (The Dave Ramsey Show)

"When you buy a house with a bunch of debt hanging around your neck and no money cuz you're gonna put all your money into the house, then Murphy moves into your spare bedroom and brings his three cousins broke, desperate, and stupid." Dave Ramsey

August 19, 2014 (The Dave Ramsey Show)

"Houses are a wonderful investment long term and to become a homeowner is something I encourage you to do but you need to do that after you get your debts paid off, save your emergency fund, and have a good strong down payment." Dave Ramsey

August 19, 2014 (The Dave Ramsey Show)

"When you buy a house when you're broke, bad things happen to the house and you don't have any money and it makes you broker." Dave Ramsey

August 19, 2014 (The Dave Ramsey Show)

"I don't want you moving into a house when you're broke because houses are a wonderful long term investment but on the short term they cost money a lot of times." Dave Ramsey

August 1, 2014 (The Dave Ramsey Show)

"I'm gonna rent like no one else so later I can own like no one else." Dave Ramsey

August 1, 2014 (The Dave Ramsey Show)

"Whatever you spend on rent you are buying patience...personally I want to spend as little on that as possible to get out of debt faster and save my down payment faster so I can buy faster." Dave Ramsey

July 22, 2014 (The Dave Ramsey Show)

"You do have credit [to buy a home] if you paid your landlord early or on time, have a good strong down payment, and you've been steady on your job for the last two years or more and you don't have any credit at all, you'll qualify for a manual underwriting. Some lenders know how to do that, not all of them do." Dave Ramsey 

July 15, 2014 (The Dave Ramsey Show)

"We've done detailed research and 100% of the foreclosures occur on a home with a mortgage." Dave Ramsey

June 10, 2014 (The Dave Ramsey Show)

"When you are debt-free and you have an emergency fund of 3 to 6 months of expenses [then] you're ready to purchase a house." Dave Ramsey

May 22, 2014 (The Dave Ramsey Show)

"If your house is 27% of your take-home pay, that doesn't mean you need to sell your house; I'm just trying to keep people when they're buying a house from buying too much. I don't want you to be house poor and be so tied up with a mortgage that you can't breathe." Dave Ramsey 

May 20, 2014 (The Dave Ramsey Show)

"The way you negotiate anything is this: he with the most information and the most patience wins. If you get married to the transaction, you lose." Dave Ramsey

May 16, 2014 (The Dave Ramsey Show)

"If you move into a home and you have an emergency fund in place and no debt, that home will be a blessing. If you move into a home and you have no money and used all your money for your down payment, I can promise you Murphy will move into your spare bedroom and bring his three cousins broke, desperate, and stupid with him." Dave Ramsey

May 16, 2014 (The Dave Ramsey Show)

"Don't buy houses like most people do, which is so much house they can barely breathe and you become what we call house poor where you can't get any things done." Dave Ramsey

April 21, 2014 (The Dave Ramsey Show)

"People don't list with big name companies, they list with people. The real estate agent is who makes the difference." Dave Ramsey

December 10, 2013 (The Dave Ramsey Show)

"When you move into a house with debt hanging around your neck and no money, you are going to end up with all kinds of problems; a home can be a blessing but it can also be a curse." Dave Ramsey

November 1, 2013 (The Dave Ramsey Show)

"Just because real estate in that area (Silicon Valley) is expensive, doesn't mean that all of a sudden you get a pass on mathematics." Dave Ramsey

April 9, 2013 (The Dave Ramsey Show)

"Buying a home and keeping rental properties when you have no cash position at all is a really good way for life to come along and punch you in the face...you've got no cash to cover mess ups." Dave Ramsey

April 9, 2013 (The Dave Ramsey Show)

"I'm not gonna recommend you buy a home out of a Roth IRA, ever." Dave Ramsey