A&D Mortgage, LLC
A&D Mortgage, LLC
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How Inflation Affects Borrowers? Credit Card Debt, Non-QM Solutions
How is inflation affecting borrower behavior, and what's changing in their credit score, needs and expectations? In this episode, we sit down with Tatiana Frederico, an experienced realtor and loan officer with Everwise Group, to discuss how mortgage loans work for self-employed borrowers and those with lower credit scores. We discuss all of today's hot topics, from changing borrower behavior to modern technology.
Key Highlights
• The impact of inflation on borrower behavior
• Changes in refinancing strategies since last year
• Shifts in borrower needs and expectations
• Challenges and solutions for borrowers with lower credit scores
• A surge in demand for down payment assistance programs and programs that accept lower credit scores
• Streamlining the loan process with modern technology
• Expert strategies for obtaining better terms and streamlining the process for borrowers
#realestate #realestateinvesting #mortgage #mortgagerates #housingmarket #nonqmloans #dscr #mortgagecalculator #itin #fico #admortgage #realestate #bankstatement
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A&D Mortgage (NMLS # 958660) is a top wholesale and correspondent lender, bringing first class service. We are a nationwide lender able to conduct business in 40+ states.
Join the more than 6,000 companies who’ve already chosen A&D Mortgage as their long-term partner to expand their pipeline!
Learn About Programs: admortgage.com/our-programs/?
Calculate Your Loan: admortgage.com/?#quick-pricer
Submit Scenario: admortgage.com/scenario-request-form-2/?
Become a Partner: admortgage.com/become-a-partner/?
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Facebook: admortgagecompany/
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Threads: www.threads.net/@admortgagellc
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00:00 Introduction and Agenda
01:24 Borrowers and Inflation, Credit Card Debt
02:21 Year on Year Change: Refinances, Lower Rates
03:06 Mortgages for Lower Credit Scores
03:52 Borrowers' Expectations in the Current Market: Monthly Expenses, Florida Insurance
05:33 How to Get a Mortgage Loan? Common Challenges the Borrowers Face
06:39 Modern Technologies in Mortgage Lending
08:12 Get Better Mortgage Terms: A Success Story
11:15 Wrap-up and Final Thoughts
Переглядів: 185

Відео

Force-Placed Insurance: How Mortgage Brokers Can Protect Clients from Unnecessary Costs | A&D Tips
Переглядів 134 години тому
Force-placed insurance (FPI) can cause significant financial burdens for your clients, often leading to unnecessary costs and limited coverage. As a mortgage broker, you play a crucial role in helping clients avoid the pitfalls of FPI and safeguarding their interests. Understanding force-placed insurance and its triggers is key. FPI is typically imposed by lenders when a homeowner’s insurance l...
Are mortgage rates going down? What changes for homebuyers? New opportunities for mortgage brokers
Переглядів 1,4 тис.14 годин тому
Mortgage rates are going down, and the housing market is changing. To keep up and help your clients get the best deals, you need to know what's going on and how to adapt. In this episode, we discuss the ongoing drop in mortgage rates and how it presents new opportunities for brokers and loan officers to increase submissions. Mark Glaser, a seasoned mortgage expert and A&D's Wholesale Team Manag...
Broker Review: How to Use AI in Mortgage? A&D’s Enhanced Broker Portal AIM
Переглядів 2216 годин тому
How mortgage works with artificial intelligence is transforming the industry, and A&D Mortgage is leading the charge with its enhanced AI-powered broker portal, AIM. In this video, Keren Carmel, a loan officer with East Coast Mortgage Lenders, shares her experience with AI and A&D's cutting-edge broker portal. Karen explains how she integrates AI tools like ChatGPT into her workflow but also em...
How Mortgage Works: Everything You Need to Know About Jumbo Loans | A&D Webinar
Переглядів 1,2 тис.16 годин тому
Prime jumbo loans offer borrowers access to large loan amounts for high-value properties. In this webinar, we discuss how prime jumbo loans work, the eligibility requirements, and how to use A&D Mortgage’s Quick Pricer tool to get the best rates. Learn how mortgage rates are determined, what FICO scores and DTI ratios are needed, and how to maximize your client’s loan approval. Perfect for brok...
Broker Review: What Mortgage Can Your Clients Afford with A&D? Why Mortgage Brokers Choose A&D
Переглядів 45День тому
Broker Review: What Mortgage Can Your Clients Afford with A&D? Why Mortgage Brokers Choose A&D
Thank You, Partners: A&D Mortgage Wins Gold in 2024 NMP Originator Choice Award
Переглядів 7721 день тому
Thank You, Partners: A&D Mortgage Wins Gold in 2024 NMP Originator Choice Award
Top California Realtors' Tips for Mortgage Brokers: Building Trust, Mortgage Rates | A&D Webinar
Переглядів 1,1 тис.21 день тому
Top California Realtors' Tips for Mortgage Brokers: Building Trust, Mortgage Rates | A&D Webinar
Broker Review: How A&D Mortgage’s Quick Pricing Benefits Brokers
Переглядів 2021 день тому
Broker Review: How A&D Mortgage’s Quick Pricing Benefits Brokers
Oasis Seekers: Helping a Self-Employed Borrower Get a House in Arizona | Case Study
Переглядів 7528 днів тому
Oasis Seekers: Helping a Self-Employed Borrower Get a House in Arizona | Case Study
From Leads to Clients: Social Media Strategies for Mortgage Brokers @homefieldlending Webinar
Переглядів 3,2 тис.28 днів тому
From Leads to Clients: Social Media Strategies for Mortgage Brokers @homefieldlending Webinar
Mortgage Rates 2024: Will Rate Cuts Affect Your Clients?
Переглядів 1,6 тис.Місяць тому
Mortgage Rates 2024: Will Rate Cuts Affect Your Clients?
Broker Review: Why Mortgage Brokers Prefer A&D Mortgage? A&D's Quick Loan Approval
Переглядів 88Місяць тому
Broker Review: Why Mortgage Brokers Prefer A&D Mortgage? A&D's Quick Loan Approval
Arizona Mortgage Expo 2024: Loyalty Program, Rewards for Brokers. What makes A&D Reliable?
Переглядів 154Місяць тому
Arizona Mortgage Expo 2024: Loyalty Program, Rewards for Brokers. What makes A&D Reliable?
How ADvantage Loyalty Program Works? Earn Rewards and Save Money! A&D Mortgage Webinar
Переглядів 859Місяць тому
How ADvantage Loyalty Program Works? Earn Rewards and Save Money! A&D Mortgage Webinar
How to use ADvantage Loyalty Program: Step-by-Step Guide
Переглядів 99Місяць тому
How to use ADvantage Loyalty Program: Step-by-Step Guide
How to earn points in ADvantage Loyalty Program? Fast Closings = More Points
Переглядів 11Місяць тому
How to earn points in ADvantage Loyalty Program? Fast Closings = More Points
How do you get rewarded for your efficiency?
Переглядів 1,6 тис.Місяць тому
How do you get rewarded for your efficiency?
Broker Review: A&D's New Broker Portal AIM, ADvantage Loyalty Program, Non-QM Programs
Переглядів 472 місяці тому
Broker Review: A&D's New Broker Portal AIM, ADvantage Loyalty Program, Non-QM Programs
Introducing ADvantage Loyalty Program: Earn Points with A&D Mortgage
Переглядів 3,6 тис.2 місяці тому
Introducing ADvantage Loyalty Program: Earn Points with A&D Mortgage
Sunshine Sell-a-bration: Appreciating Our Brokers' Success. Grow with A&D Mortgage!
Переглядів 722 місяці тому
Sunshine Sell-a-bration: Appreciating Our Brokers' Success. Grow with A&D Mortgage!
Q2 Recap: New Tools, ADvantage Loyalty Program, DSCR Improvements | CEO Broker Connection
Переглядів 1,3 тис.2 місяці тому
Q2 Recap: New Tools, ADvantage Loyalty Program, DSCR Improvements | CEO Broker Connection
AI Marketing for a Mortgage Broker, Mortgage and Real Estate Lead Generation: A&D Webinar
Переглядів 1,3 тис.2 місяці тому
AI Marketing for a Mortgage Broker, Mortgage and Real Estate Lead Generation: A&D Webinar
Real Estate Investing in 2024: Mortgage and Housing Market Strategies with @NickProRealty
Переглядів 3,3 тис.2 місяці тому
Real Estate Investing in 2024: Mortgage and Housing Market Strategies with @NickProRealty
A&D Mortgage Broker Review: Dorian Gonzalez | Non-QM Loans, Mortgage Calculator Quick Pricer
Переглядів 522 місяці тому
A&D Mortgage Broker Review: Dorian Gonzalez | Non-QM Loans, Mortgage Calculator Quick Pricer
Can Young Adults Buy Homes? What Mortgage Can I Afford? What Young Homebuyers Need to Know
Переглядів 2,2 тис.3 місяці тому
Can Young Adults Buy Homes? What Mortgage Can I Afford? What Young Homebuyers Need to Know
A&D's Mortgage Calculator Quick Pricer, Non-QM Loans, Mortgage Rates Today | A&D Broker Review
Переглядів 573 місяці тому
A&D's Mortgage Calculator Quick Pricer, Non-QM Loans, Mortgage Rates Today | A&D Broker Review
Homeowners Insurance Explained for Mortgage Brokers: Climate Change, Legislation, Nationwide Issues
Переглядів 3,2 тис.3 місяці тому
Homeowners Insurance Explained for Mortgage Brokers: Climate Change, Legislation, Nationwide Issues
Social Media Strategy for Mortgage Brokers: Real Estate Lead Generation with @homefieldlending
Переглядів 1,8 тис.4 місяці тому
Social Media Strategy for Mortgage Brokers: Real Estate Lead Generation with @homefieldlending
Once Upon A Refinance: How A&D Mortgage Loan Saved The Day | Case Study
Переглядів 1,5 тис.4 місяці тому
Once Upon A Refinance: How A&D Mortgage Loan Saved The Day | Case Study

КОМЕНТАРІ

  • @phoenixfireclusterbomb
    @phoenixfireclusterbomb 5 днів тому

    Refuse to work with these companies that will be relieving their employees of their duties when A.I. is trained in a couple of years. Otherwise, eventually it’s going to trickle down into your job. Either that, or you’d better learn some skills that A.I. and automation can’t touch. Humans are going to have yo become seriously innovative consistently. If not, you’ll end up in a 15 minute city being controlled. When convenient you’ll be placed on a list. Future isn’t looking so bright.

  • @JeagerTv
    @JeagerTv 6 днів тому

    What the hell

  • @EkhlasDadras
    @EkhlasDadras 6 днів тому

    ❤❤❤

  • @calcaware
    @calcaware 7 днів тому

    Good luck with the AI.

  • @triemond9961
    @triemond9961 8 днів тому

    Does bro look like that on purpose?

  • @tiktokmagic8604
    @tiktokmagic8604 8 днів тому

    Drawn on eyebrows WTF

  • @Ммм-н7ю5к
    @Ммм-н7ю5к Місяць тому

    Nice video

  • @Ммм-н7ю5к
    @Ммм-н7ю5к Місяць тому

    Very interesting👌🏻

  • @knightsaysneep8204
    @knightsaysneep8204 Місяць тому

    What us this B S ? given by illegal immigrants

  • @SmilingPro-t7l
    @SmilingPro-t7l Місяць тому

    Hello there, your contents are really educating, i wish this could reach more people. As an expert, i believe i have a solution to this Looking forward to your response Let's take your channel to the next level

  • @davidgilman900
    @davidgilman900 Місяць тому

    This happened a while ago

  • @Sibir-bv2hp
    @Sibir-bv2hp Місяць тому

    Cherry Cherry Lady

  • @chriscolvard5732
    @chriscolvard5732 Місяць тому

    If I bought a house cash and it has rental income in excess of what the loan I would want to take out, would you still need the 20% down?

  • @robertayers7013
    @robertayers7013 Місяць тому

    Grambolis in Samoset Reward.,😊

  • @Matt00700
    @Matt00700 Місяць тому

    OK, stop everything. This guy is clearly a drug addict. His pupils are flying saucers. Yeah let’s let the crackhead dictate credit requirements and scores. And you wonder what the problem is with this country. Have some goddamn accountability. And here’s some knowledge for you. You don’t need credit to buy or build a house. It can make it easier, but not necessary. Go on any home searching site find a house that has been recently purchased and Place back on the market. Contact the owner. Do a 201A ownership/debt transfer. Pay them the small amount for moving expenses. Homes are bought every day using this method for less than five grand. No closing cost no realtors no bullshit. And the market for these homes are in every neighborhood and in every community across this country. Stop giving your money to companies like these drug addicts to dictate what you need to pay them.

  • @HugTheCactus777
    @HugTheCactus777 Місяць тому

    The eyebrows am I right 😅😂

  • @deankay4434
    @deankay4434 2 місяці тому

    While my house is nothing fancy but 1,580 sq feet. Based upon a company in Florida, they estimated dwelling at $440,000 dollars & $44,000 for a 10' X 12' shed. Deductible for the roof is $7,890! I can 22 squares of 30yr shingles, ice & water 3 rows up, nails all sell for $6k. Who losses after paying an extra $328 per month on the house payments escrow. I have no cover, they pay nothing.

  • @HezekiahTube
    @HezekiahTube 2 місяці тому

    Nice video, I will like to keep following your content because I found it interesting

  • @champis234
    @champis234 2 місяці тому

    What's up with the dude's eyebrows 😂

  • @Chrissy-o7g
    @Chrissy-o7g 2 місяці тому

    Miss click

  • @fortyjarsOjello
    @fortyjarsOjello 2 місяці тому

    There’s a lack of homes because people buy homes they don’t use. Limit the amount of houses a person can legally own. Give others a fucking chance.

  • @callileahrizzuto2290
    @callileahrizzuto2290 2 місяці тому

    Why you keep saying "3x Federal minimum wage"? All States have instituted a higher minimum than the Federal govt. What job do you have??

    • @GameBuddies1
      @GameBuddies1 2 місяці тому

      Not in TX

    • @OPTEK5
      @OPTEK5 2 місяці тому

      Dude the federal (national government) obviously. 3x 7.25 = 21.75

  • @cassienovak1189
    @cassienovak1189 3 місяці тому

    Thanks for highliting such a useful topic. Nice to know that there are improvements in mortgage industry.

  • @cassienovak1189
    @cassienovak1189 3 місяці тому

    Go A&D Mortgage! The best company to work with.

  • @cassienovak1189
    @cassienovak1189 3 місяці тому

    Thanks for developing such a useful portal. It's so easy to work with.

  • @ЕленаНовоселова-т4в
    @ЕленаНовоселова-т4в 3 місяці тому

    So useful video!

  • @BossChronicles
    @BossChronicles 3 місяці тому

    still need 20 % down which is challenging

    • @ADMortgage
      @ADMortgage 3 місяці тому

      Hello, @BossChronicles! We understand that a 20% down payment can be challenging. However, there are programs available that, for example, allow for a 10% down payment with income verification: admortgage.com/our-programs/? We recommend reaching out to your local mortgage broker or giving us a call at 855-235-6267! We can help you find the closest broker to assist you further: admortgage.com/get-in-touch/? We're here to help make the process easier for you!

    • @chriscolvard5732
      @chriscolvard5732 Місяць тому

      What if the equity in the home is well in excess of the 20%

  • @paulgranqvist1833
    @paulgranqvist1833 4 місяці тому

    So glad to see more companies helping people achieve their dream homes!

  • @JeimyZuniga-p4h
    @JeimyZuniga-p4h 4 місяці тому

    😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😾😾😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡

  • @tumard8207
    @tumard8207 4 місяці тому

    This music sounds like someone is being chased by a dinosaur in a jungle hahahahhahaha

  • @beam9264
    @beam9264 4 місяці тому

    ]bb 😊

  • @user-px3gv7wn4j
    @user-px3gv7wn4j 4 місяці тому

    Glad to see the mortgage industry advancing! Integrating AI is a great step for any lender, and A&D appears to have it all figured out! L'Chaim!

  • @MariiaFabia
    @MariiaFabia 4 місяці тому

    ¡La mejor opción en hipotecas de Florida es A&D Mortgage! ¡Con la última tecnología en inteligencia artificial, es una pasada!

  • @mcflyhawk
    @mcflyhawk 4 місяці тому

    Props to the team for putting together these informative videos

  • @camerauser
    @camerauser 4 місяці тому

    Thanks for sharing these informative videos!

  • @MrsMasha2012
    @MrsMasha2012 4 місяці тому

    wow, what a cool and helpful way to use AI to your advantage! very interesting to see where you'll go with it from here

  • @eugeneponomarenko941
    @eugeneponomarenko941 4 місяці тому

    So proud about all teams involved into AIM launch! Next level!

  • @paulgranqvist1833
    @paulgranqvist1833 4 місяці тому

    Glad to see more and more industries embracing the power of AI! 🤖 Great video, great people - seems like an all-around fun time! 👏

    • @ADMortgage
      @ADMortgage 4 місяці тому

      As a matter of fact, it was a fun time! FAMP shows are awesome, as always😎 Thanks for the kind words - we're glad to provide our brokers the best experience possible, now with both the Power of YES and the Power of AI! Check it out: admortgage.com/aim/?

  • @Ммм-н7ю5к
    @Ммм-н7ю5к 4 місяці тому

    That’s cool 👍🏻

    • @ADMortgage
      @ADMortgage 4 місяці тому

      Thanks! Glad to hear you've enjoyed this video. Consider learning more on the topic (admortgage.com/blog/navigating-homeownership-a-guide-to-advising-generation-z-homebuyers/?) and subscribing for more!

  • @yd6805
    @yd6805 5 місяців тому

    oh yeah, bit she didn't mention that natural disaster is an extra In the insurance pol

  • @Ммм-н7ю5к
    @Ммм-н7ю5к 5 місяців тому

    Reliable and secure 💪🏻

  • @carterb.
    @carterb. 5 місяців тому

    I don’t think he knows what a misconception is

  • @ebones6957
    @ebones6957 5 місяців тому

    Why is it my insurance costs goes up because some one else suffers a loss. If a person chooses to live on the beach he should expect to experience the risk of a tsunami, if he chooses to live in a forrest he risks a forrest fire. These people should expect to pay higher premiums because of higher risks. Just because someone wants a property so badly they are willing to pay an obscene price, shouldn’t make my property value go up causing higher taxes and insurance premiums for me. Many of the high price purchases are nothing more than a gamble, these people are living on the edge flirting with financial disaster. Insurance companies love inflation and always blame disasters from anywhere to justify high premiums. One thing for sure: prices and taxes never go down.

  • @user-hq6rz3xu6d
    @user-hq6rz3xu6d 5 місяців тому

    I want to talk about your channel problem

    • @ADMortgage
      @ADMortgage 5 місяців тому

      Hello there! And what would that problem be? Please do let us know. Thanks in advance!

  • @paulgranqvist1833
    @paulgranqvist1833 5 місяців тому

    I mean, the price of everything appears to be skyrocketing lately… 😢😢😢 Wishing towards a more optimistic 2025! 👏

  • @ADMortgage
    @ADMortgage 5 місяців тому

    Top 10 Affordable Cities in Wyoming 1. Laramie Laramie, nestled at the base of the Snowy Range Mountains, is a city that embodies affordability and community spirit. The cost of living in Laramie is notably lower than the national average, offering affordable housing options and accessible healthcare. Residents benefit from a strong sense of community, educational opportunities, and an abundance of outdoor activities. 2. Gillette Gillette, located in northeastern Wyoming, combines affordability with a booming energy industry. The cost of living in Gillette is below the national average, providing affordable housing options and reasonable healthcare expenses. The city’s commitment to education, recreational opportunities, and a thriving arts scene make it an ideal destination. 3. Sheridan Sheridan, situated in the north-central part of the state, offers a budget-friendly lifestyle without compromising quality. The cost of living in Sheridan is below the national average, with affordable housing options and accessible healthcare. The city’s proximity to the Bighorn Mountains, educational institutions, and community engagement opportunities enhance its appeal. 4. Rock Springs Rock Springs, in the southwestern part of Wyoming, combines affordability with access to an array of natural wonders. The cost of living in Rock Springs is lower than the national average, providing affordable housing options and reasonable healthcare expenses. Residents enjoy outdoor recreation, educational opportunities, and a welcoming community. 5. Evanston Evanston, situated in the southwestern corner of the state, offers affordability with a small-town feel. The cost of living in Evanston is notably lower than the national average, offering affordable housing options and reasonable healthcare expenses. The city’s commitment to education, outdoor activities, and community events creates a warm and inviting environment. 6. Cody Cody, located in the northwest part of Wyoming, is an affordable city with a strong sense of community. The cost of living in Cody is below the national average, providing affordable housing options and reasonable healthcare expenses. The city’s access to Yellowstone National Park, educational institutions, and cultural events make it an ideal place to call home. 7. Jackson Jackson, nestled in the stunning Teton Range, combines affordability with access to world-class outdoor recreation. The cost of living in Jackson is lower than the national average, offering affordable housing options and reasonable healthcare expenses. Residents benefit from proximity to Grand Teton National Park, educational opportunities, and a close-knit community. 8. Riverton Riverton, situated in central Wyoming, offers an affordable lifestyle with a small-town charm. The cost of living in Riverton is below the national average, providing affordable housing options and reasonable healthcare expenses. The city’s dedication to education, outdoor activities, and community engagement opportunities make it an ideal destination. 9. Green River Green River, in the southwestern part of the state, combines affordability with access to scenic beauty. The cost of living in Green River is lower than the national average, offering affordable housing options and reasonable healthcare expenses. Residents enjoy outdoor recreation, educational institutions, and a welcoming community. 10. Casper Casper, Wyoming’s second-largest city, is an affordable urban hub with a friendly atmosphere. The cost of living in Casper is notably lower than the national average, providing affordable housing options and accessible healthcare. The city’s access to the North Platte River, educational opportunities, and community events create a warm and inviting environment. Factors that Contribute to Affordability of Cities in Wyoming Cost of Housing: Affordable cities in Wyoming typically offer a range of housing options, from budget-friendly rentals to reasonably priced homes, making it easier for residents to find suitable accommodation within their budget. Utilities and Transportation: These cities often have lower utility costs, including electricity, water, and gas. Additionally, transportation expenses, such as fuel prices and commuting costs, are generally more affordable compared to national averages. Groceries and Everyday Expenses: The cost of groceries and everyday expenses, including food, household goods, and services, is often more reasonable in these cities, allowing residents to manage their day-to-day expenses effectively. The Importance of Quality of Life Education: Access to quality education is crucial for families and individuals. Many of these cities offer excellent educational institutions, including public schools, colleges, and vocational training centers, providing opportunities for learning and personal growth. Healthcare: Access to reliable healthcare facilities and services is essential for a high quality of life. These cities have reputable hospitals, clinics, and healthcare providers, ensuring that residents have access to quality medical care when needed. Recreation: Affordable cities in Wyoming often offer a range of recreational activities, taking advantage of the state’s natural beauty and diverse landscapes. From outdoor adventures to cultural events, residents can enjoy various pursuits throughout the year. Community: A strong sense of community is essential for a fulfilling lifestyle. In Wyoming’s most affordable cities, residents can find a warm and welcoming atmosphere, where neighbors come together to support one another. Community events, such as farmers’ markets, cultural festivals, and charity fundraisers, provide opportunities for socializing and building connections. Conclusion Wyoming’s top 10 most affordable cities offer a unique blend of affordability and a high quality of life. From cities nestled in mountain ranges to those along the Green River, these cities showcase Wyoming’s diverse charm and sense of community. The factors that contribute to affordability, such as the cost of housing, utilities, and everyday expenses, make living in these cities a cost-effective and prudent choice.

  • @mccallumproperties4053
    @mccallumproperties4053 6 місяців тому

    Can you do a 10 unit multifamily with DSCR?

    • @ADMortgage
      @ADMortgage 6 місяців тому

      Good morning, thank you for your question! Unfortunately, no, up to 8 only. However, you can take a look at our other programs for future: admortgage.com/? , and if you have any additional questions, you can fill the form and our specialists contact you and help: admortgage.com/get-in-touch/?

    • @MarcosDaniel1
      @MarcosDaniel1 5 місяців тому

      Do you need to have a deposit?

  • @MansurahmmadYT
    @MansurahmmadYT 6 місяців тому

    Hello, I have already visited and analyzed your UA-cam channel “”. Your contact is really amazing but channel growth is very poor. I have already found many problems there. I know you are already trying to grow your youtube channel audience and struggling to fulfill your channel watch time and subscribe. If you give me a chance,I will fulfill your goal. Your videos seo score is 60%. I can make it 90% to 100% that help grow your channel and fulfill monetization condition. My portfolio: drive.google.com/drive/folders/1ZHeo7GlwaVeah0caHBo6cRXrjOxt9SQf?usp=sharing

  • @paulgranqvist1833
    @paulgranqvist1833 6 місяців тому

    Aye, where my fellow millennials at? Learned so much from this vid!