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Ryan "WORK HARD PLAY HARD" Harding
United States
Приєднався 24 сер 2017
NMLS # 2396714
Welcome to the "Work Hard/Play Hard" UA-cam channel! We're all about achieving success, building wealth, and enjoying life to the fullest. Our content guides you through personal and financial growth, emphasizing the balance between hard work and leisure.
In today's fast-paced world, it's crucial to find that equilibrium. We're here to help you navigate the path to success while making time for what truly matters: quality time with loved ones, pursuing passions, and recharging.
Our channel offers practical advice, expert insights, and actionable tips for reaching your full potential. From career mastery to financial management and navigating the housing market, we've got you covered. Whether you're a first-time homebuyer or a seasoned investor, we provide tools for success.
Join our community of ambitious individuals committed to working hard, playing harder, and creating the life of their dreams. Subscribe now and embark on this journey with us! 🚀💼🎉
Welcome to the "Work Hard/Play Hard" UA-cam channel! We're all about achieving success, building wealth, and enjoying life to the fullest. Our content guides you through personal and financial growth, emphasizing the balance between hard work and leisure.
In today's fast-paced world, it's crucial to find that equilibrium. We're here to help you navigate the path to success while making time for what truly matters: quality time with loved ones, pursuing passions, and recharging.
Our channel offers practical advice, expert insights, and actionable tips for reaching your full potential. From career mastery to financial management and navigating the housing market, we've got you covered. Whether you're a first-time homebuyer or a seasoned investor, we provide tools for success.
Join our community of ambitious individuals committed to working hard, playing harder, and creating the life of their dreams. Subscribe now and embark on this journey with us! 🚀💼🎉
Choosing The Right Mortgage: What You Need To Know!
In this video, we'll guide you through one of the most crucial steps in the home-buying process: choosing the right mortgage. With so many options available, from fixed-rate and adjustable-rate mortgages to government-insured and jumbo loans, understanding the differences can be overwhelming. We break down the pros and cons of each type, so you can make an informed decision that best fits your financial situation and long-term goals. Learn what factors to consider, such as your financial stability, future plans, and savings, to select the mortgage that's right for you. Don't miss out on essential tips to help you navigate the mortgage landscape with confidence!
#HomeBuying #MortgageTips #FirstTimeHomebuyer #FixedRateMortgage #AdjustableRateMortgage #FHAloan #VAloan #USDALoan #ConventionalLoan #JumboLoan #FinancialPlanning #RealEstate #HomeLoan #BuyingAHome #HomebuyerEducation #RealEstateInvesting #MortgageAdvice #WealthBuilding #HomeBuyingProcess #PersonalFinance
#HomeBuying #MortgageTips #FirstTimeHomebuyer #FixedRateMortgage #AdjustableRateMortgage #FHAloan #VAloan #USDALoan #ConventionalLoan #JumboLoan #FinancialPlanning #RealEstate #HomeLoan #BuyingAHome #HomebuyerEducation #RealEstateInvesting #MortgageAdvice #WealthBuilding #HomeBuyingProcess #PersonalFinance
Переглядів: 20
Відео
Who's Who in the Home Buying Process: Your Guide to Key Players
Переглядів 7Місяць тому
Who's Who in the Home Buying Process: Your Guide to Key Players Buying a home can feel like navigating a maze, but understanding the roles of the key players can make the journey smoother. From real estate agents and mortgage brokers to appraisers and inspectors, each professional plays a vital role in ensuring your purchase is a success. Learn who does what and how they help you secure your dr...
Are You Truly Ready to Buy a Home? Assess Your Financial and Lifestyle Readiness Now!
Переглядів 11Місяць тому
Are You Truly Ready to Buy a Home? Assess Your Financial and Lifestyle Readiness Now! Buying a home is one of the most significant financial decisions you'll ever make-are you truly ready? In this video, we dive into the key factors you need to assess before taking the plunge into homeownership. From evaluating your financial health and lifestyle needs to aligning your purchase with your long-t...
25 Key Mortgage Terms Every Homebuyer Must Know | Home Lending 101
Переглядів 8Місяць тому
Are you ready to buy a home but feeling overwhelmed by all the mortgage jargon? In this video, we break down the 25 most important mortgage terms you need to know to navigate the home lending process with confidence. From understanding your principal and interest to learning about escrow, amortization, and closing costs, we've got you covered. Whether you're a first-time homebuyer or just need ...
Common Challenges When Buying A Home & How To Overcome Them!
Переглядів 152 місяці тому
The home buying process can be challenging, with several potential obstacles along the way. In this video, we'll dive into some common challenges buyers may face and provide strategies to overcome them: 1. Credit Issues Obstacle: A poor credit score can limit your loan options and result in higher interest rates. Solution: Check your credit report for inaccuracies and work on improving your cre...
Comprehensive Guide to the Home Buying Process: Step-by-Step Overview
Переглядів 212 місяці тому
Comprehensive Guide to the Home Buying Process: Step-by-Step Overview
From Business Trips to Real Estate Triumphs: Chris Mickelsen's Path
Переглядів 133 місяці тому
From Business Trips to Real Estate Triumphs: Chris Mickelsen's Path
Ep. 41 - Paws & Properties: Conversations with Darcee Oliva, the Dog-Friendly Realtor
Переглядів 34 місяці тому
Ep. 41 - Paws & Properties: Conversations with Darcee Oliva, the Dog-Friendly Realtor
Ep. 40 - Impact of NAR Settlement on the Utah Housing Market - with veteran agent Ammon Childs
Переглядів 325 місяців тому
Ep. 40 - Impact of NAR Settlement on the Utah Housing Market - with veteran agent Ammon Childs
Game-changing - N.A.R. settlement impact! 🏀
Переглядів 135 місяців тому
Game-changing - N.A.R. settlement impact! 🏀
Ep. 39 - A Subscription Based Handyman Service - Conversation with owner Tim Leary
Переглядів 1396 місяців тому
Ep. 39 - A Subscription Based Handyman Service - Conversation with owner Tim Leary
Ep. 38 - Moving Markets: Navigating Brokerage Transitions in Real Estate Slowdowns with Boo Maddox
Переглядів 86 місяців тому
Ep. 38 - Moving Markets: Navigating Brokerage Transitions in Real Estate Slowdowns with Boo Maddox
Ep. 37 - Mastering the Market: Insights from a 25-Year Real Estate Veteran with Ned Chidester0125
Переглядів 97 місяців тому
Ep. 37 - Mastering the Market: Insights from a 25-Year Real Estate Veteran with Ned Chidester0125
Ep. 36 Becoming an Agent at a Real Estate Group with Tanner Litchfield
Переглядів 348 місяців тому
Ep. 36 Becoming an Agent at a Real Estate Group with Tanner Litchfield
Ep. 35 Why Using A Realtor Is More Important Then Ever - Conversation With Clayton Cundy
Переглядів 49 місяців тому
Ep. 35 Why Using A Realtor Is More Important Then Ever - Conversation With Clayton Cundy
Ep. 34 - How To Make Money Off Empty Space In Your Home Or Business - Conversation with Neighbor CEO
Переглядів 1910 місяців тому
Ep. 34 - How To Make Money Off Empty Space In Your Home Or Business - Conversation with Neighbor CEO
Understanding HELOCS - Home Equity Lines of Credit
Переглядів 52210 місяців тому
Understanding HELOCS - Home Equity Lines of Credit
How Long Will The Market Be Slow For Real Estate?
Переглядів 410 місяців тому
How Long Will The Market Be Slow For Real Estate?
Ep. 33 - Forecasting The Utah Real Estate Market & The Locked in Effect with SuAnne Hoffman
Переглядів 711 місяців тому
Ep. 33 - Forecasting The Utah Real Estate Market & The Locked in Effect with SuAnne Hoffman
Can I Get A Gift For A Mortgage Loan?
Переглядів 511 місяців тому
Can I Get A Gift For A Mortgage Loan?
Homebuyers Closing Costs - How Much Can A Seller Contribute?
Переглядів 1711 місяців тому
Homebuyers Closing Costs - How Much Can A Seller Contribute?
Realtors - Walking You Through The Nightly Rental Process #nightlyrentals #southernutah #realestate
Переглядів 511 місяців тому
Realtors - Walking You Through The Nightly Rental Process #nightlyrentals #southernutah #realestate
Hurricane Utah - Continues To Be Hot For Nightly Rentals!
Переглядів 1911 місяців тому
Hurricane Utah - Continues To Be Hot For Nightly Rentals!
Ep. 32 - Southern Utah - Nightly Rental Market Still Hot! with Paul Maag & Alex Gerdel
Переглядів 1111 місяців тому
Ep. 32 - Southern Utah - Nightly Rental Market Still Hot! with Paul Maag & Alex Gerdel
Understanding Closing Costs & Interest Rates On A Home Loan
Переглядів 2111 місяців тому
Understanding Closing Costs & Interest Rates On A Home Loan
Understanding & Getting Bank Statements, Transaction Histories, Earnest Money Checks, Venmo Deposits
Переглядів 8111 місяців тому
Understanding & Getting Bank Statements, Transaction Histories, Earnest Money Checks, Venmo Deposits
Requesting IRS Tax Transcripts For A Mortgage
Переглядів 9711 місяців тому
Requesting IRS Tax Transcripts For A Mortgage
Yay
So you still need the money that most people do not have, especially if they went to college.
As a beekeeper, I approve this message!
Love it! Thank you! 😂😊
"As they analyzed why..." Who are "they". It sounds like a lot of assumptions about what thousands of people were feeling after seeing terrible things...
I got the information from an article that Deseret News reported on. To your point it is an assumption about what people were feeling, so we can't know for sure. I just thought it interesting and then did my own take on the research that had been done.
I hate you dave
Don't ruin the handyman service for subscription profits. It will ruin the business. We wan't to go away from subscriptions! The economy sucks rn, who has excess funds for subscriptions?
Does the appraisal report show a break up of the appraised value i.e, the value of land and the value of structure??
On the bottom of page 3 under the cost approach it does typically cite the value of the land and the structure, however I wouldn't put a lot of stock in that. Lenders don't ever use the cost approach for determining value and so it's not super accurate.
👨💻 I analyzed your UA-cam channel & videos. Your content is too good but video views, engagement, not well.🙅♂ Do you know why? If you want, I can give you the full audit reports of your channel!📫
Disagree but okay
great content. Thank you
Glad you liked it!
But dont you need to come out of pocket with extra during closing costs, therefore being kinda the same in the end?
so typically you'd have the seller pay these, making it cheaper for you for that first year or two.
Americans dont need more debt
Of course a lot of consumer debt is bad, but not all debt is created equal.
Guess I'm staying in the hood
"Promosm"
Well if Matt Meese says its great idea than Im in.
👍👍
Thanks for this!
Thank you!
Your view is incredible! 🏔️
I agree! : )
Why is there no information about Adjustments and other Credits? Why is everyone silent about that?
🎉 P r o m o s m
I am an appraiser in Brazil, here by our rule, 3 comparisons is not enough to reach the foundation and the minimum required precision. only as a last resort.
Very helpful. Thank you so much!
best advice ive ever heard honestly. Thanks Ryan! ❤
Your take is quite informative. I wish more UA-camrs would put the same effort into producing a video. Anyway, thank you for explaining about PMI. Keep it up!
this was great to hear. That 4-6 month time frame is a sweet spot. Aiming for 100 doors a day. 5 days a week minimum. My goal is to do it for 4 - 5 years. Gonna document on my channel. First 5 full days done
Too bad you chose such a simple report to review. On such a simple report a quick cross check to the appraisers conclusion is to calculate the sale price per square foot of each comparable sale and relate those rates to the property. I'm a little surprised not to see any adjustments for lot size since comparable sale 3 has twice the lot size as the property being appraised. I suspect the appraiser is also combining depreciation and main floor square footage together in one adjustment as they are using a common adjustment rate of $45 per square foot in their main floor adjustment. So they are incorporating depreciation/diminished utility in this single adjustment and I strongly suspect they are using a rate significantly less than the cost to build a new townhome. Unless you believe that the cost to build a new town home with an unfinished basement is 1,367 square feet @ $45 per square foot = $61,515 which would make the underlying land have a residual value of about $150,000. That's quite an unusual Land to Building ratio. Still possible - but unusual. That may be a red flag to a problem with the lot size adjustment as there is no adjustment or explanation of why the appraiser is not adjusting for a lot that is twice the size of the property being appraised when the underlying land value is $150,000. There is nothing wrong in the way they have done the adjustments. There are no set rules on how those adjustments may to be made. The appraiser is using a method that works well for them relative to their years of experience. And since the comparable sales are almost near identical homes to the subject, the variation between them on a gross selling price basis is going to be small. The advantage to using a lower rate is that the appraisal report has lower gross and net adjustments which the lender erroneously interprets as being a mark of a better appraisal report. The disadvantage to this method is if the property being appraised is significantly different from the comparable sales used and the appraiser ends up concluding outside of the sale price range. That's when the problems happen and the property may be under or over appraised. The adjustment process is a highly subjective process based on the appraisers experience. Using a Sale Price per Square Foot rate is an objective process. The numbers are what they are in an objective approach. In your example the rates ranged between $162 to $176 per square foot of main floor area. Generally the Sale Price per Square foot declines as the main floor area increases which is an economic principle known as diminishing returns. That would put the subject property which has a smaller main floor area than the comparable sales at the mid to higher end of the range but for illustrative purposes in order to provide a cross check to conclusion I would use the average of the three comparable sales at around $169 per square foot x 1,307 Square feet which is about $221,000 (rounded) using an objective approach. The appraised value at $220,00 is within 5 percent so the appraiser provided a very good opinion of value. I would say if you want to review an appraisers opinion of value I would use this objective approach. If there is a large discrepancy then you may ask the appraiser to review their analysis or have another appraisal performed. Nothing is carved in stone when it comes to an appraisal. Appraisers are human and humans make errors. And errors only become mistakes when they are not addressed.
🤣🤣🤣🤣 nope!!
Can you do this already under contract but our lender hasnt locked yet and not settling until next month?
Yes definitely can still do it. Let me know if you need help.
you can, but you'd need to get the seller to pay which is hard once you're already under contract
You are a life saver Ryan!!!!!
😞 promosm
Amazing video. Aspiring MLO here, I'm convinced these course writers make it their duty to give you the most difficult explanation for these things.
Great interview, thanks for sharing!
My cash to close is $132,422 🤯🤯
Do I need to live in the us to be eligible for this
Thank you so much! This was very helpful 👍👍
Hi Ryan, you so remind me of a great friend who did loan originating with me way back when. You are a great explainer of the truth in lending, loan cost form.
This is exactly what I was looking for but I wish it was even longer!! Don't get left behind - Promo-SM !
Very helpful!!! Thank you
Very helpful thank you now I know what to look for.
great video Ryan, thank much, my banker has added all kind nonsense fees in my closing cost.
Hi, if value as per sales approach is 5mn and as per income approach is 4.5mn. Which value you will consider and why?
Always the sales approach
Hi sir! Can u explain what’s the adjustment and other credit fee. In this video it’s $0 but I have to pay for my closing cost for adjustment and other credit fee is $3800. Is it some ppls have to pay for it ?
I have one question, if anyone can answer.. in this video.. is the loan amount ($253,326) is this amount the listing price of the home? Or is it the price after the interest?
Types of appraisal can you explain
Genuine question: Why do we compare properties?
To find the actual value of the propert +/- the comparable features like pools, exta storage, etc.
Ty for this information 🙌🏽
Hey Everyone I know about this work I have experience in same field Property Appraiser I'm Handle a 4 clients The clients from USA I doing a work through Remotely. Give a chance me Am Doing work in Total Software