Buying a House Debt-Free, A Book Giveaway

We are excited about Buying a House Debt-Free. It’s a resource we believe will help families gain the vision and practical “how-tos” to equip their sons to purchase a home debt-free.

One of our pre-release test dads shared: “Rather than take the path most travelled, authors Steve and Teri Maxwell provide examples of how young men were able to buy their first homes debt free. These are inspirational stories about how God directed these young men, often in their early teen years to develop vocational skills, save money and look for opportunities to avoid the pitfalls and slavery of a mortgage.” 

We’ll be giving away two copies of Buying a House Debt-Free.

Two  winners will be selected by a drawing from the approved comments on Friday, March 21st. Participation is easy. All you have to do is comment under this post by Thursday, March 20th at noon CDT.

So, the question we’d like you to answer in your comment to enter is:

Why would you want your son
to have his home debt-free? 

Onto the fine print. This will be on the honor system, so we leave it to you.

  • Entry closed at noon on the 20th.  Thank you to those who entered. 
  • One entry per family.
  • We reserve the right not to post any comment or entry.
  • If you have already pre-ordered the book, don’t worry. Enter anyway. If you are a winner, we will refund your money.


“Seest thou a man diligent in his business?
he shall stand before kings;
he shall not stand before mean men.”
Proverbs 22:29

148 thoughts on “Buying a House Debt-Free, A Book Giveaway”

  1. Having homes debt-free would more fully allow our sons to follow the Lord’s leading without being saddled by monthly mortgage payments.

  2. Then he would not have to be concerned about a monthly mortgage. And then it frees more money up to be used for ministry needs and providing for a family.

  3. Why would I want my sons to own a home debt free?
    Let me start out by saying that my wife and I have been blessed with 6 children and they are all sons! I would love to help my sons to be able to own their home debt free so that they do not have that worry or pressure to make that payment every month! That they would be able to do the jobs they love and not end up with a job they do not like just to pay the bills. I feel that is book will be a wonderful blessing to many families!

  4. I would want my son to have his home debt-free so that he could live the biblical principle of not being a “borrower”, so that he would not pay out ridiculous amounts in interest on a home loan, and so that he would free up more money in his family’s budget to serve others.

  5. I would want my son to be able to purchase a home debt-free because it would free up his resources and energy, allowing him to further God’s kingdom in ways that might not be possible otherwise.

  6. I would love my sons to be able to purchase a home debt free because it would give them a solid financial grounding and more life options. We live in the 5th most expensive city in the world though (Sydney, Australia) and many of my generation (30s) are finding it impossible to enter the property market even with a mortgage. I am very interested to read this book and see how it can apply to my sons.

  7. So as not to be straddled with debt early in his marriage, like his father and I were.

  8. We would love for our sons, as well as Lord willing future sons in law to purchase their homes debt free so they will not feel the same pressure and weight that paying a mortgage every month causes. What a blessing to have that money to save for emergencies or learning and ministry opportunities instead.

  9. We want our children to walk in obedience to God and only purchase those things for which He has given them cash to do so. We lack wisdom and are praying and searching for guidance!

  10. What a great giveaway! Although both of our boys are still young, already we see the value in installing the importance of being debt free and we would love to have a wonderful resource like this one on how to practically make that happen!
    The easiest time to begin is when they are young.

  11. I love the idea of having a home without a mortgage and am eager to learn your tips for making that a possibility. Thanks!

  12. To live a truly debt free life! To give more. To feel the blessing of giving rather than just paying mortgage.

  13. My husband and I would love for our son to have his house debt free because we know the pain of debt and massive debt, at that. We may never be able to buy a house but by the grace of God and the forgiveness from Him in order to pay off massive debt that has been accumulated by us. We were not taught how to be wise with money and were actually convinced that debt was a blessing and children were a curse, but when we looked into God’s Word and found out that debt is a curse and children are a blessing we became broken at what we had done and have had no way to change it as of yet. We are waiting for God to help us change that and we pray that our son will listen to our teaching and learn from our mistakes to never put his family in that kind of “slavery”.
    Amen and amen!

  14. This looks like such an amazing book! I would love to encourage my children to buy their homes debt-free. They are still very young, so it would be wonderful to get a vision for this possibility for their future.
    While they are young is the easiest time. No bad habits to reverse!

  15. We don’t have a son yet, but I would love for my daughters to marry a man who is not in debt. God says that the borrower is slave to the lender and why would you want to be in bondage? I wish we didn’t have debt, and we are trying hard to get out of debt with our mortgage. So, I would want my son to buy a house debt free so he doesn’t have the burden of debt.

  16. When our son becomes of age, we would love to have him own his home debt-free so he would not have the burden of a monthly mortgage and so his future wife would be able to stay home to raise and homeschool their children. My husband and I are grateful to have been able to live most of our married life debt-free. We wish the same blessing and freedom for our children and are very interested in reading your new book to gain insights as we raise our children.

  17. I have 2 sons and think this is such an important subject. You are the only authors who I have seen write about this issue in a biblical way.Thank you!

  18. So that he can use the money he earns to raise Godly children and not to pay interest on a long term home loan.

  19. My husband and I have a 2 year old son and we worry very much for his future. We have taken on a lot of debt, and still live in an apartment. This is not what we want for our son (or any of our future children, should we be so blessed) to have the worries that we do. Everyday we ask ourselves these questions: How long will we live in an apartment? Will we ever be able to afford our own home? What if we can’t afford the rent next month? How will we afford necessities and our debt payments? How will we save for when we are old and unable to bring in an income? We don’t want our son to have to ask those questions ever. We would love to be able to teach him how to be debt-free, but with no personal experience and not knowing anyone among our family and friends who are debt-free, we just don’t know where to begin. We want our son to be able to do all that he is meant to do in life without the cares that his father and his mother have.

  20. Wow, a book giveaway!! Exciting. 😀

    Oh…there are so many reasons why!!

    1. It gives him a good goal in life. Sadly, many of today’s men are aimless. 🙁

    2. Having a house debt free is soundly based on many Biblical Principles — not being a servant to the lender, not depending on tomorrow…

    3. It gives him a vision for the future

    4. When the time is right, it will give him the ability to concentrate and nurture his marriage and family and raise a family for the Lord *without* the added burden of a mortgage/loan.

    5. Once the house is bought, he will be able to focus wholeheartedly in other areas of life such as family, missions, community work, and other areas of business. This is so important because when there is a mortgage hanging over you, it can limit your freedom because if employed, he will hesitate more over a good entrepreneurial opportunity because any financial loss could be devastating.

    6. Having this goal encourages amazing character qualities such as endurance, dependability, diligence, boldness, determination… (you name it) while also developing essential life skills in life!
    Well said!!

  21. Our son is only a baby at this time. But we have already been thinking so much about how we can prepare him to live a life pleasing to God as an adult. For him and any other sons the Lord may bless us with to have the ability to buy a debt free home would be a great blessing! Having a monthly mortgage payment can add a lot of stress and it also takes up means to be able to do so much more. There are many benefits to having a debt free home and we’d love to be able to teach our children such an important lesson.

  22. Even though I am unmarried and don’t have any children yet, I am looking forward to reading this book because I want to be prepared for when the Lord brings me a husband and, God-willing, some sons of my own. In the meantime, I am also excited to read this book because it will give me the tools and insights I need to encourage my brothers and the other young men in my family!

  23. I have always lived a life without debt EXCEPT for my mortgage, which honestly takes up a chunk of change every month (and it seems like it will be forever). Having an obligation like that (and mine is modest in comparison to most people I know) really drives what I can and cannot do in other areas of my life financially. I have two sons, 14 and 11, and hope to raise them to know it’s possible not to have mortgage debt. It’s too late for me, but not for them!

  24. We presently have four sons on earth, and we’d like them to be able to purchase debt-free in the spirit of Romans 13:8.
    We’d like them to be freer to serve their families and others and, without a mortgage to pay, use their means more fully in that regard.

  25. We became convicted in the first few months of our marriage that debt was a burden and something to be avoided if at all possible. We were in college and blessed to be on scholarships, so had no debt so far. We purposed that we wouldn’t borrow money for vehicles or even for a mortgage (which sounded really radical at the time!), so we cut our expenses and began saving. After a couple apartments, we bought a used trailer parked on a rented lot, and then when my husband moved for a job, we bought a small fixer-upper, even though my husband’s new salary would have qualified us for a large mortgage and a very “nice” house. We then moved again 9 years into our marriage and finally bought a house that we felt could be our permanent home. We’ve seen the blessings of living debt-free, both the freedom it gives and also how much money we’ve saved not having to pay interest. We our raising our children to expect to live the same way.

  26. I would want my sons to be able to own a home debt free just for the satisfaction of knowing they can leave/sell the house at any moment should God call them elsewhere. In this day and age people can’t be free because of mounting debt, especially mortgages. While mortgages aren’t inherently bad, it would be great to not need to go that route. I do think, however, that some people need a mortgage and can realistically only pay down a portion or huge chunk at a time due to location, cost of living, etc. I’m interested to see what methods your sons have employed in obtaining debt-free home ownership.

    Thank you!

  27. I’m not a mom, but… I have seen the blessing of my parents living mostly debt free. This book sounds like an awesome read!!

  28. I would like for my son to learn how to be debt free, and to follow the example in the Bible as God has called us to owe no man any debt.

  29. My husband and I caught the vision soon after we married to become debt-free. Neither one of us had much of a savings and really didn’t make much either. Nevertheless, we were determined to do our best with God’s help to get out of debt as soon as possible. My husband’s goal was to payoff our house within seven years. We were always faithful in paying our tithes and offerings and God has never let us down. He has always met all our needs and even many wants. God worked it out that we payed off our home in five years which is much sooner than we thought, but we know God is able to do exceedingly more than what we could ever imagine. We have 7 children, two of which are sons. We are encouraging them to start young in working and saving so that they can indeed buy a house debt-free. Our oldest is 13 and my husband helped him four years ago start a small grass cutting business which has really flourished. They work great together. Our son cuts the grass while my husband trims and blows. In a couple of years our younger son may begin cutting and the oldest may take over what my husband has been doing. We’ll just wait and see how the Lord directs each son. We are so looking forward to reading this new book!

  30. Dear Maxwell Family,

    Please enter us in this generous drawing. We would love to have our son buy a house debt free so he could concentrate fully on what the Lord would have for him to do in life and not be enslaved.

    Thank you for all you do,
    The K Family

  31. My husband and I would like our son to have his home debt-free so when the time comes for him to start a family, he will prepared to provide for his family on one income. Not having a mortgage will pave the way for his wife to be able to stay at home and not have the pressure of feeling she needs to contribute financially.

  32. My husband and I started our lives without the Lord and have spent years getting out of the bondage debt creates. Despite the way we started, God has always been good to us and I have been a stay home, homeschooling mom to all 8 of our children. I would pray that my children could also have one income families without the debt we had.

  33. I would like my sons to buy a house debt free, because I have lived on the other side and it is horrible.

  34. I know the strain of having a house payment, even if its only $500, and would love to see my son be free from that. He’s six but we’ve already started talking about this! 🙂

  35. I was very excited to see the subject of your new book. We currently have 3 sons and 2 daughters. My husband and I were not raised with the mentality of purchasing your home debt-free. Ten years ago, we bought a home. Due to the housing market, we have not been able to accrue much equity at all. It didn’t turn into an investment for us. My husband was offered a relocation out of state through his employer. He committed to that, and now we are in the midst of trying to sell our home. We could barely afford an agent with our equity, and now our older home needs significant repair of some issues. It is a BURDEN!!! We are praying much and seeking the Lord’s guidance and will during this time and mostly praying for deliverance from this home. It has been a learning lesson and I am praying much that my husband can pray and seek the Lord’s will for our future living situations.
    We would love to learn more about this and also to be encouraged by the testimony’s in this book.
    Thank you for always presenting biblical perspectives, especially when it’s not popular!!
    Annie H.

  36. My husband and I read your blog together. We only have 1 child, a son. I was only able to have 1 child due to health reasons but I have taken in many families and children from our church who need a place to go until the Lord improves their situation. Our son is thirty years old. He recently paid cash for a trailer at a nearby lake. He rents it out when he is not using it so he is on his way! He has been praying for the Lord to send him a godly woman but he knows he needs to have a home more accessible to his work. We have prayed abut it and it would be such a blessing to win a copy of your book. It would be such a help in his journey. My husband owns a lawn care/pest control service. My son began a small construction company doing minor home repairs as well as wood treating and preservation. Our home is paid off, early even, because we do without things like cable TV, social outings and I use coupons whenever possible. We would like to save our son the burden of a mortgage so he can begin his family. Thank you, the F Family

  37. Hello,
    My name is Jenny, and I’m very interested in your book. My husband and I were just talking about how much debt we had when we first bought our home, and we don’t want the same thing for our son, Jonathan.

    It is extremely important that Jonathan be able to buy his home debt free because having debt is a stress that could stick with him for a long time. Also, the money he would ultimately be saving in the long run could go toward other things, such as a new car, emergency medical funds, and other expenses in life that come up.

    Recently, my husband Nicholas and I have been studying the topic of debt. We have been strongly convicted that it is in Jonathan’s best interest financially to be debt free.

    Romans 13:8, for example: Owe no one anything, except to love each other, for the one who loves another has fulfilled the law.

    Proverbs 22:26-27 ” Be not one of those who give pledges, who put up security for debts. If you have nothing with which to pay, why should your bed be taken from under you?”

    But it was proverbs 22:7 that really stood out to us: ” The rich rules over the poor, and the borrower is the slave of the lender.”

    That alone should cause us to run –not walk!– away from debt! We do not want our son, and any future sons we might have, to be a slave to ANYBODY!

    Jesus came to set us free. John 8:32 “Then ye shall know the truth, and the truth shall set you free.”

    John 8:36 “If the son therefore shall make you free, ye shall be free indeed.”

    We wish to be set free by Jesus’ truth. Thank you so much for writing this book. Truly you are a blessing from God. My family and I will continue to keep you, your family, and your ministry in prayers.


    G Family
    Thank you.

  38. I would like my son to have a home debt free simply because it is a biblical principle. “owe no man nothing” Having a home debt free builds character and good stewardship. It take a lot of hard work and patience.No matter how humble the dwelling might will be “home” and his…not the bank.
    We live in a society where we see the decline of home life but a increase of technology. I think it is ironic.What is true success anyways?
    To truly follow the Lord and His principles in every single aspect of our lives….That is true success!

  39. I would like my sons to be able to purchase a home debt free before marriage, so they will not get caught in the trap of purchasing a home beyond their means and be burdened in debt.

  40. My son is 19 and trying to figure out his life’s direction. I suspect he will end up in some form of ministry and I would love for him to have financial freedom to be able to pursue whatever that ministry might be.

  41. We are blessed with 3 sons whom my husband has invested much training into their ability to work hard with Godly character. We desire them to always be debt free and not to be a slave to any lender. A home can be a wise investment of their money and wonderful provision for their future families. However, the task can seem overwhelming in the California market. Your book would be a huge encouragement in this area that is lacking council and wisdom.

  42. It is our desire for our sons to have no debt so they have the freedom to serve God and their families in whatever way He calls them to. Without debt, they will not be tied down to possessions or slave to a lender. If God calls them to the mission field, they’ll be able to obey immediately. They’ll also be able to start a family right after getting married without the implied societal pressures of “getting started” in home and career.

  43. We would want our sons (and daughters!) to own their homes debt free because debt makes you a slave to the lender.

  44. I would like my sons to purchase their homes debt-free so they will be in a position to better serve The Lord.

  45. We would love to have our son purchase his home debt free. My wife and I unfortunately were not raised with this mindset. Like most Americans, we purchased our home with a mortgage. Since then, we have purposed to get ourselves out of debt quickly. Every penny we have is going towards our mortgage to pay it off. However, we see how this has affected our family. Had we purchased our home debt free, we could have used that money to better our family life and give more freely. We would love for our son to start out life one step ahead. He will then be able to live our belief that debt is not a good thing, to allow his future wife to stay home (without worrying about the financial constraint of a large mortgage), and to give to important ministries more freely. We would love this book to see what worked for your family. As I said before, we weren’t raised to think this way, so we would benefit from learning from those who have “been there and done that”. Thank you for taking the time to write an incredible resource for families out there like ourselves.
    -The G Family

  46. We have 4 sons and would love for them to be able to start adulthood prepared to be debt free in all areas. Our oldest is 13 and desires to start a business now. I hope that this book will give him encouragement that others have gone before him. He has also seen our family struggle with a mortgage in the past. Thank you for being faithful in encouraging families. You have challenged us in many areas!

  47. I would love to win a copy of your latest book. I am a widow with one son age 15 and twin girls, age 13. I think that all of them can learn some valuable lessons from your book on how to buy a house debt free and how to save for the furnishings of the home.

    Thank you for taking the time to share and write down your successful tips.


  48. The Bible is pretty clear when it comes to debt. Just because our culture has accepted debt under certain conditions (ie mortgages) does not make it right. Also, not having finances tied up in house payments frees up that money for God’s work, whatever that may look like in his life. If he were to get married and raise a family, not having the burden of a mortgage would make things easier, for the marriage in general, but also in the consideration of having more children, as most people tend to look at their expenses before deciding to have more or not. Having a debt-free home would help create an environment that sees children as a blessing instead of another financial burden.

  49. Why I would want my son to have his home debt-free: Free of money changers, whose tables Jesus overturned, the home would be a house of prayer and not a ‘den of robbers’ (Matthew 21: 12-13).

    And “let no debt remain outstanding, except the continuing debt to love one another, for he who loves his fellowman has fulfilled the law” (Romans 13:8).

    “For where your treasure is, there shall be your heart also” (Matthew 6:21).If my son’s treasure is not far afield yet to be gathered to pay for a home, whose deed is in a lender’s hand, then my son’s home is his owned and own treasure, and his therein is free and clear for his Lord.

  50. We would want our son to have his home debt-free because we started out buying our first home debt-free with the help of the Lord and matching funds from my dad. God enabled us to remodel that house and sell it for twice the purchase price + remodeling amount in order buy another home for our growing family of 7 children 10 years later. After buying our 2nd home debt-free, we were able to sell it to buy an amazing home with quite a bit of acreage large enough for our now family of 12. It is a place that is well-suited to hospitality and housing of families and friends. We are continually blessed to have started out debt-free. My dad matched the funds we saved with the understanding that we would help our children start out debt-free also. By the grace of God, that is what we have been saving to do for the past 24 years. As our children marry, we hope to help them in this endeavor. Being debt-free has also enabled us to be able to give to others with freedom. We pray the same blessing upon our sons and daughters.
    Great testimony. Thank you.

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