I Hate Renting!!! | The First Time Home Buyer's Guide
The First Time Home Buyer's Guide

i Hate
Renting!!!

Stop Paying Your Landlord's Mortgage

You are paying a mortgage every month — whether you like it or not. Either you're paying yours, or you're paying your landlord's. Stop making other people rich and start building your financial future.

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I Hate Renting Book Cover by Jason John Sharon
25
Chapters
3.5%
Min. Down Payment
580
Min. Credit Score
/bin/sh
Cost of This Guide
"No one builds wealth without real estate in their portfolio."

This book is designed to coach first time home buyers into first time home owners. Small, bite-sized chapters covering credit, income, assets, closing costs, and real estate agents — written so you can understand it without a mortgage license or a real estate license. This is the book that all first time home buyers need.

The Decision

What Are You Really Doing?

❌ Keep Renting
💸 Every payment builds your landlord's equity, not yours
📈 Rent increases every year — you have no control
🚫 No tax deductions on rent payments
🏚️ Nothing to show for years of payments
😤 Landlord's rules, landlord's timeline, landlord's priorities
✅ Start Building Wealth
🏠 Every payment builds YOUR equity and net worth
📊 Historical appreciation of ~4.5%/year builds wealth automatically
💰 Potential tax deductions on mortgage interest
🔒 Fixed rate = predictable payment for 30 years
🎉 Your house, your rules, your future
Inside the Book

What You'll Learn

Chapter 2
The Biggest Rip-Off: Origination Fees
The government allows a 1% origination fee. That doesn't mean you should pay it. This fee is pure profit — learn how to refuse it and save ,000–,000 on your loan.
Chapter 4
Credit Score: The Real Story
FHA allows scores as low as 580 for 3.5% down. Learn the fastest ways to boost your score, why online credit scores lie to you by ~20 points, and what "alternate credit" means.
Chapter 6
Down Payment & Down Payment Assistance
FHA requires just 3.5% down. Learn how gifts, earnest money, and seller concessions work together — and why "free money" down payment programs usually cost you more in the end.
Chapter 17
Brokers vs. Lenders — Must Read
Only a mortgage broker is legally required to work in YOUR best interest. Retail loan officers are employees working for their company's bottom line. The difference costs you thousands.
Chapter 23
New Construction: Smoke & Mirrors
That ,000 closing cost credit for using the builder's preferred lender? Someone's paying — and it's you. Learn the two schemes builders use to quietly overcharge buyers.
Chapter 24
How Not to Get Screwed on a Loan Estimate
A lender's fee sheet is complete crap. Learn exactly what to look for on an official Loan Estimate — rate, fees, lock status — and how to compare lenders apples to apples.

✔ You're In!

Check your email for your free copy of I Hate Renting!!! Welcome to the path to home ownership.

Prefer a Physical Copy?

Available on Amazon in paperback and Kindle. Everything you need to go from renter to homeowner — without getting ripped off.

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JJS
USN
Retired
About the Author
Jason John Sharon

Jason enlisted in the Navy in 1993, served 20 years as a Nuclear Power specialist, and retired as a Lieutenant in 2013. He knows what it means to earn every dollar — and what it means to get taken advantage of.

As a licensed mortgage broker (NMLS 1281448) and veteran, Jason has closed hundreds of loans and reviewed thousands of applications. This book is the guide he wishes every first-time buyer had before walking into a bank.

📧 [email protected]  |  📞 843.LOW.RATE

© 2025 Jason John Sharon  |  NMLS 1281448  |  [email protected]  |  ihaterenting.com

This site is not affiliated with HUD, FHA, or any government agency. Not a solicitation for a loan.