Here are all the questions in different sections, question on title is Question #5. 01:08 - “Should you use a standard loan or looking into First Time Home Buyer Programs?” 04:19 - “What are the biggest misconceptions people having about buying a home?” 07:55 - “Are there issues with appraisals or loan types in this market? “ 10:53 - “I make $X , how much can I qualify for?” 14:16 - “Should I buy a house now or buy wait?”
i guess Im asking the wrong place but does someone know of a tool to get back into an Instagram account?? I stupidly forgot the account password. I appreciate any help you can give me
@Owen Franco thanks so much for your reply. I found the site through google and I'm waiting for the hacking stuff now. Seems to take a while so I will get back to you later with my results.
Great point about making major decisions in life just because everyone else is doing it or just because you’re supposed to do those things at the time! Very wise! Love it!💖
Only you can decide when the time is right to buy a home. There is no perfect time, and where you are in life can mean more than current rates and the shape of the market, a lot more.
I am loving your content lately Javier it is awesome! I am in real estate as well and it is refreshing seeing these videos that help educate and prepare buyers for the biggest investment of their lives! Keep up the good work !
They can't say for sure because their licenses arent in California. You would have to ask a California licensed realtor or lender for definitive answers on that market.
The amount you can afford is the amount you have been able to save consistently. Take a look at the last 12 months. The amount you saved every month without having to touch it is what you can afford for a payment. Thats your current rent or house payment plus what you saved, consistency is the key. That applies to kind kind of debt, car payment etc.
Man, I always love and appreciate your content, but today I'm loving your shirt ! And the content as well of course, because today you touched up on 1st time buyers with 20%down who consider tapping into fha. But you answered my Q!!
Hard for us. We are trying to save 5% dp and a cushion in the next year. But when the average home price is 380 right now and just went up 14% a year. The neighborhood we rent and live in is where we want to buy and is 4 to 500k and up. We are looking to stay closer to 4 for payment comforts but home values are expected to go up another 8% in the next year! We just cant keep up and may soon be priced out considering that 400k homes are being bought for cash too. It is very frustrating. We could have gotten an estate 5 years ago for the price we are looking at. We are thankful to get a great deal on rent for the market, but really want our own place.
My wife and I are in a similar situation, but we've been living in one of our rental unit. Might have to hold out on a purchase until a savior come, this market is ridiculous.
I would say that many issues found in a home can be renovated if you have the capital for the investment. That includes Floors, mold, termites, tiles, dry wall, insulation, roofing, siding etc. Things I would stay clear away from are foundational issues and terrible neighborhoods (unkempt areas, terrible schools, high crime rates)
I absolutely hate my apartment but I refuse to pay 2,000 a month for a decent house when it comes to a mortgage in California. I’m a teacher that’s literally 50% percent of my monthly income. They make it impossible to buy a home.
These sellers and loan people crazy. They sharks and eat off the back of one buyer. The... Seller Broker Loan officer Realtor Community (HOA) City (property taxes) And so on. They NEED you! So, offer what you want to pay. If they don't want it oh well. Look for new developments they definitely need your sell.
Javier, I love your insightful and common man style of videos. You come across as very authentic which is not always the case when working with folks in the real estate industry. Thanks man!
Love y’all! Thanks so much for sharing! Question #6 What credit score is required to get the best rate on a conventional loan? One lender told me 740+ gets the best rate but I’ve read varying info online. Does it vary from lender to lender?
Wow, you guy's really read my mind. Just the other day, I was watching both of your video's and I thought to myself, man it would be great if these two collaborated together. Nice work fellas! ✊✊✊
Hi Javier Can you talk a little bit about how the qualification differs post a bk filing. More specifically.. chapter 7... 4 years have passed since discharge and credit is rebuilt at a 720. Debt to income ratio is below 3%. Will a lender still consider you a good qualifier ?
I missed it!!! Yesterday I was about to sign a purchase agreement on a house (not ideally my favorite one, but I am exhausted from searching for the right one). Anyway, I was reading the agreement, and one line caught my attention. It read, "purchase agreement will be contingent upon seller finding a house of their choice". I was confused and surprised that this is happening in this market! It's not enough that as buyers, we are : -offering more than the asking price -paying for closing cost and now sellers want to live rent-free at buyers cost I am done!
You might.. misunderstood the term.. Ask your agent to explain to you or counter as post closing occupancy agreement with the seller if they need place to stay while shopping their new property
Hey Javier, I have 2 homes, one is renting and i am living on the other one, my question is should i fix them nice and sell both for profit and live with my parents til homes go down again 😁
If you sell for profit would you reinvest your money into the market? Or just be sitting on cash to buy low ? Because you could just fix them both enough for renting and live with your parents and have residual income. Consider costs for selling the homes and your taxes for that year and what you will end up paying out. You could just pay down the homes renting them both out and save money living at your parents and have enough money to have a down for another property when the market cools down. Good job on your real estate purchases !
@@JoeJoSoulChild hey, my thought was to buy a small home cash somewhere warm, i am in Chicago suburbs so i am tired of the cold weather lol, i am renting one, and the tenants are great, bern there for 3 years now, and the property i live now, it will need a little help on kitchen and bathrooms to be abled to rent it too, i suppose i can rent both homes and have that money pay for my newer home somewhere warm, decisions uh, thank you for your great ideas, i really appreciate it
So the best way to buy a home is, to buy directly from the seller/owner and don't get a loan. Put half or more down, pay the rest off in less than 8 years. Keep the banks out of it.
I’m in the market now buying. I’ve been out bidded twice by New Yorkers already. CTs market is way overpriced u less you got New York money to overpay. This sucks!
It depends- can you afford the long term owership costs and lock in low rate? Do you plan to live there for a long time like 10 years? Then it may work out.
Great video you guys! Maybe try and collaborate more but solid information all the way through. We're looking to do a 203K loan and hope to get everything in line for a house we really want! You guys are a wealth of information.
Why do FHA appraisals come in lower than a conventional? Isn't an appeasement a third party that does not take the loan type into account? We are going through something similar right now, house we are wanting came in 20k under appraised value. This has me rethinking if we should have gone conventional over FHA. The reason for going FHA was buying power. Hope this makes sense.
Can I buy two houses at once. I saved 20% for both, I want one to be a rental and I want to live on the other one my credit score is above 750. Based on your experience how do lenders go about this ?
So ive commented on a few videos about the progress on making the best decisions for me and my wife. I did want to ask, with the only thing my wife and I really have agaisnt us on debt to income is our car note. But as it stands, what we want to live comfortably is still a good 35k higher than what would be an ideal price. With the way the marlet is looking, are we going to forever be behind the market and have to do something drastic like sell our cars which will leave us with almost nothing trying to pay it off?
So we are currently looking to purchase our first home. We reached out to a realtor and told them we are first time buyers. :( regret saying that after watching this.
My credit score is 803. Debt is $250... I'm not paying no more than $1,200 on a home. Remember, they saying is, everyone can buy a home with no money down and for what they're paying in rent. Where is the reality in this saying
@@jamessisoutham1466 naw they say I can get a home for what I'm paying for rent. So, I'll just tell the loan officer make my payments to rent payments since y'all market say this type of dumb unrealistic shit, lol
@@izziestevens5835 5 yrs. And five credit cards totaling 20k. One card is a business card. But ALLLL the balances are 00000. They aint making no money off me. I got em only to build my credit. I'm a credit coach so I've learn this system!!!
Rising the rates would be great for home prices to trend downward, and the 15k depends if its only for new homeowners (it will put upward pressure on prices again if pretty much anyone qualifies). A reduced home price means a smaller downpayment as well. Those savings in housing would then flow back to the economy in the usual ways (spending / travel / leisure / cars etc). So not a crash but just a return to 2016 price levels would be great imho.
Great video! For DTI does the lender look at current DTI? I'm asking because my rent is higher than what a mortgage would be so do they look at my current DTI with my rent payment or do they consider DTI with potential mortgage payment?
Your current rent payment would not be included in the mortgage DTI calculation. Just minimum monthly payments on debts. Watch one of Javier or Kyle’s fantastic videos about how to calculate DTI! They walk you through how to estimate it yourself on paper.
Great video! I'm subscribed to Kyle (a.k.a Dr. Love 🙄😂) originally but so happy I found your account to follow 😎. Looking forward to seeing the rest of you channel content ☺️ Question: If I'm shopping around for the best loan option to lenders, local banks, brokers, or credit unions at the same time and they all want to pull my credit, does that affect my credit history negatively? Or is the fact that they are all pulling my credit at the same time bundle that as 1 credit check on my history? I want to make sure I'm getting the best loan option I can for my situation but I don't want to destroy my credit in the process. Thank you!
The same thing happened to me. So I looked for new constructions only because you don't have to deal with the bidding competition. It may not be in your desired area but if you really want to buy consider expanding the area you are willing to buy in. If you end up hating the area you can sell in a year or so.
Why do you realtors down talk FHA loan's so much? Seller's most of the time don't know the difference until the realtor bad talks the FHA to the seller. Is it because the realtor may not be experienced enough to make an FHA deal go through. I'm confused as to if I propose more money with an FHA why wouldn't my deal be more appealing?
Normally FHA is perfectly fine. It's this crazy competitive market were currently in. As a seller in this market reviewing offers, it's just more secre/reliable to choose a buyer who has conventional loan. Less risk involved.
I will also add that appraisal is handled differently with a FHA. they tend to be very picky and difficult when appraising the home. And sellers dont like that.
@@JavyVidana In watching your content and information, I think you agree with me. I’ve recommended your content to a few people because we live in Phoenix and have thought you’re a breath of fresh air by providing a different perspective and what has felt as genuine honesty and truth as opposed to the standard sales/company line that most dish out. I’m personally a serious buyer and will be looking to purchase my first home soon. But this answer offered nothing that would make me believe it’s a good time to buy right now. If I just look back at your own content, I can see information that has helped me decide against it because I’m personally looking for something that can be an investment as well as a home. And I think you’d agree right now is not a good time for buyers.
I have a high credit score (top bracket), plenty of down-payment, both of us work good jobs, but we are going to use Navy Federal because they have a lower interest rate and are just better then "conventional" loans (no mortgage insurance needed either). So you can take your generalizations of people not being able to qualify for conventional and throw them in the trash.
Here are all the questions in different sections, question on title is Question #5.
01:08 - “Should you use a standard loan or looking into First Time Home Buyer Programs?”
04:19 - “What are the biggest misconceptions people having about buying a home?”
07:55 - “Are there issues with appraisals or loan types in this market? “
10:53 - “I make $X , how much can I qualify for?”
14:16 - “Should I buy a house now or buy wait?”
You the best man.
i guess Im asking the wrong place but does someone know of a tool to get back into an Instagram account??
I stupidly forgot the account password. I appreciate any help you can give me
@Dayton Lennon instablaster :)
@Owen Franco thanks so much for your reply. I found the site through google and I'm waiting for the hacking stuff now.
Seems to take a while so I will get back to you later with my results.
Oh... you were recording?
It’s obvious how well-intentioned and generous you both are in giving this free advice! Thank you both
Ayeee!! The link up that I’ve been waiting for!! Love both of your channels!!
STOP texting me "max price daddy" 😂
Great point about making major decisions in life just because everyone else is doing it or just because you’re supposed to do those things at the time! Very wise! Love it!💖
He sure is ☺️
Only you can decide when the time is right to buy a home. There is no perfect time, and where you are in life can mean more than current rates and the shape of the market, a lot more.
I am loving your content lately Javier it is awesome! I am in real estate as well and it is refreshing seeing these videos that help educate and prepare buyers for the biggest investment of their lives! Keep up the good work !
Can you guys talk about California housing market, please ! I live in Cali want to buy a house but it’s wild over here
They can't say for sure because their licenses arent in California. You would have to ask a California licensed realtor or lender for definitive answers on that market.
@@kriscshops4580 thanks makes sense!
Don’t buy unless you’re ready to pay 50-75k over asking price...
Cali needs to drop off the map. That place is ridiculously too high to live
I keep getting outbid by $20-$50k in LA county
The amount you can afford is the amount you have been able to save consistently. Take a look at the last 12 months. The amount you saved every month without having to touch it is what you can afford for a payment. Thats your current rent or house payment plus what you saved, consistency is the key. That applies to kind kind of debt, car payment etc.
Thank you for all your advice! You two provide some GREAT content!
Glad to see this collaboration!
Your advice has helped us so much.
And your videos have definitely helped me understand what all is involved with the types of loans.
I love you Javier... your videos are very helpful.. I learned a lot from you.. I appreciate you and all your work.. stay blessed
Great Job Fellas! Thanks for taking the time to provide this information.
I LOVE THIS!!! Great Job teaming up! Very informative!!!
Love it. Back to back videos from you two.😎
what if your trying to buy a manufactured home. what is the best type of loan.
Love you guys! THANK you for the amazing information!
Omg you guys are my favorite!!
Got you guyz!💪👍
Man, I always love and appreciate your content, but today I'm loving your shirt ! And the content as well of course, because today you touched up on 1st time buyers with 20%down who consider tapping into fha. But you answered my Q!!
Hard for us. We are trying to save 5% dp and a cushion in the next year. But when the average home price is 380 right now and just went up 14% a year. The neighborhood we rent and live in is where we want to buy and is 4 to 500k and up. We are looking to stay closer to 4 for payment comforts but home values are expected to go up another 8% in the next year! We just cant keep up and may soon be priced out considering that 400k homes are being bought for cash too. It is very frustrating. We could have gotten an estate 5 years ago for the price we are looking at. We are thankful to get a great deal on rent for the market, but really want our own place.
My wife and I are in a similar situation, but we've been living in one of our rental unit. Might have to hold out on a purchase until a savior come, this market is ridiculous.
You Can't Always Get What You Want, but if you try sometime.. you might get what you need.
Mick Jagger...
That’s smart with not saying first time home buyer. I agree
Can you do a quick video on things someone should look for at showing? kind of like a mini home inspection? are there things that you should run from?
I would say that many issues found in a home can be renovated if you have the capital for the investment. That includes Floors, mold, termites, tiles, dry wall, insulation, roofing, siding etc. Things I would stay clear away from are foundational issues and terrible neighborhoods (unkempt areas, terrible schools, high crime rates)
Omg yes please esp fth buyers with strict budget
@@demanrtp with the market now, people don't have that extra money because they used it to outbid the competition 🤣
I absolutely hate my apartment but I refuse to pay 2,000 a month for a decent house when it comes to a mortgage in California. I’m a teacher that’s literally 50% percent of my monthly income.
They make it impossible to buy a home.
These sellers and loan people crazy. They sharks and eat off the back of one buyer. The...
Seller
Broker
Loan officer
Realtor
Community (HOA)
City (property taxes)
And so on. They NEED you! So, offer what you want to pay. If they don't want it oh well.
Look for new developments they definitely need your sell.
Unless you want to move so far out and then have less job opportunity.
If we don't pull the trigger we gonna get priced out even more
@@MCC1591 BAHAHAHA
Javier with interest rates going back up will that cool down the market a bit? Higher rates buyers slow down and house prices come down?
Javier, I love your insightful and common man style of videos. You come across as very authentic which is not always the case when working with folks in the real estate industry. Thanks man!
Love y’all! Thanks so much for sharing!
Question #6 What credit score is required to get the best rate on a conventional loan?
One lender told me 740+ gets the best rate but I’ve read varying info online. Does it vary from lender to lender?
Love the collaboration! This was very helpful. Thank you.
Wow, you guy's really read my mind. Just the other day, I was watching both of your video's and I thought to myself, man it would be great if these two collaborated together. Nice work fellas! ✊✊✊
Hi Javier Can you talk a little bit about how the qualification differs post a bk filing. More specifically.. chapter 7... 4 years have passed since discharge and credit is rebuilt at a 720. Debt to income ratio is below 3%. Will a lender still consider you a good qualifier ?
Wow.. the ending is mind blowing! Re-evaluating why i want one!
I missed it!!! Yesterday I was about to sign a purchase agreement on a house (not ideally my favorite one, but I am exhausted from searching for the right one). Anyway, I was reading the agreement, and one line caught my attention. It read, "purchase agreement will be contingent upon seller finding a house of their choice". I was confused and surprised that this is happening in this market! It's not enough that as buyers, we are :
-offering more than the asking price
-paying for closing cost
and now sellers want to live rent-free at buyers cost
I am done!
You might.. misunderstood the term.. Ask your agent to explain to you or counter as post closing occupancy agreement with the seller if they need place to stay while shopping their new property
No rent free tho, they will pay you rent income if you close, otherwise they wont close til they find one.
Hey Javier,
I have 2 homes, one is renting and i am living on the other one, my question is should i fix them nice and sell both for profit and live with my parents til homes go down again 😁
You might want to before the housing market crashes.
If you sell for profit would you reinvest your money into the market? Or just be sitting on cash to buy low ? Because you could just fix them both enough for renting and live with your parents and have residual income. Consider costs for selling the homes and your taxes for that year and what you will end up paying out.
You could just pay down the homes renting them both out and save money living at your parents and have enough money to have a down for another property when the market cools down.
Good job on your real estate purchases !
@@JoeJoSoulChild hey, my thought was to buy a small home cash somewhere warm, i am in Chicago suburbs so i am tired of the cold weather lol, i am renting one, and the tenants are great, bern there for 3 years now, and the property i live now, it will need a little help on kitchen and bathrooms to be abled to rent it too, i suppose i can rent both homes and have that money pay for my newer home somewhere warm, decisions uh, thank you for your great ideas, i really appreciate it
Where did you get that cacti shirt
On question number 1 what Kyle said is on point except for when it comes to NACA. I’d really like to hear him directly address that.
I backed out of a deal because home appraised for 25k less
My 2 favorite real estate UA-camrs 😩🥳
I never found any good first time buyer programs this year and Biden has yet to issue the 15k credit.
He’s not going to. We don’t need it. P
Great collaboration guys! I have been following you both
So the best way to buy a home is, to buy directly from the seller/owner and don't get a loan. Put half or more down, pay the rest off in less than 8 years.
Keep the banks out of it.
I’m in the market now buying. I’ve been out bidded twice by New Yorkers already. CTs market is way overpriced u less you got New York money to overpay. This sucks!
I really like the editing of this video
What web cams do you both use?
Aplauso! Bravo! Love your video!
Great summation and resource vid!
It depends- can you afford the long term owership costs and lock in low rate? Do you plan to live there for a long time like 10 years? Then it may work out.
Great video you guys! Maybe try and collaborate more but solid information all the way through. We're looking to do a 203K loan and hope to get everything in line for a house we really want! You guys are a wealth of information.
Why do FHA appraisals come in lower than a conventional? Isn't an appeasement a third party that does not take the loan type into account? We are going through something similar right now, house we are wanting came in 20k under appraised value. This has me rethinking if we should have gone conventional over FHA. The reason for going FHA was buying power. Hope this makes sense.
Can I buy two houses at once. I saved 20% for both, I want one to be a rental and I want to live on the other one my credit score is above 750. Based on your experience how do lenders go about this ?
Wanting to know this myself
The Mexican Brad Pitt and Robin...sup vatos. When are you getting the tear drop tattoo ese?
Is rocket mortgage a good app for home loans
I like this video. It was very helpful.
Are you guys sharing air pods?
Hi Javier I live in Houston Tx. I am close to closing, my taxes were 5k but now in my loan papers from my lender it’s closer to 8k is this normal?
Oh wow. Why did it go up so much? I'm thinking of buying in Houston.
Good and helpful information 💯💪🏽
So ive commented on a few videos about the progress on making the best decisions for me and my wife. I did want to ask, with the only thing my wife and I really have agaisnt us on debt to income is our car note. But as it stands, what we want to live comfortably is still a good 35k higher than what would be an ideal price. With the way the marlet is looking, are we going to forever be behind the market and have to do something drastic like sell our cars which will leave us with almost nothing trying to pay it off?
What do you think of the 18 year real estate cycle?
OMG I LOVE BOTH OF YALL!
Love the video!!! The thumbnail....the max price daddy 😂😂👏🏾👏🏾👏🏾 and is that really Kyle carrying the ladder?!
So we are currently looking to purchase our first home. We reached out to a realtor and told them we are first time buyers. :( regret saying that after watching this.
My credit score is 803. Debt is $250... I'm not paying no more than $1,200 on a home. Remember, they saying is, everyone can buy a home with no money down and for what they're paying in rent. Where is the reality in this saying
How long is your credit history and how many credit cards do you have? Just curious.
Then you can buy a apt only
@@jamessisoutham1466 naw they say I can get a home for what I'm paying for rent. So, I'll just tell the loan officer make my payments to rent payments since y'all market say this type of dumb unrealistic shit, lol
@@izziestevens5835 5 yrs. And five credit cards totaling 20k. One card is a business card. But ALLLL the balances are 00000. They aint making no money off me. I got em only to build my credit. I'm a credit coach so I've learn this system!!!
You know what's funny, we both have the same credit score lol. I started smiling when I saw that number. Because when you know... you know.
13:27 "Max price daddy" 😂
Do it
😂😂😂😂
Like those smooth transitions! oh and nice shirt!
So the fed changes the mortgage rates each week or how does that work
Do you think it’s a good idea to buy now with cash ?
You think house prices and interest will rise, or stay the same if Biden 15k program comes in?
Rising the rates would be great for home prices to trend downward, and the 15k depends if its only for new homeowners (it will put upward pressure on prices again if pretty much anyone qualifies).
A reduced home price means a smaller downpayment as well. Those savings in housing would then flow back to the economy in the usual ways (spending / travel / leisure / cars etc). So not a crash but just a return to 2016 price levels would be great imho.
Great video! For DTI does the lender look at current DTI? I'm asking because my rent is higher than what a mortgage would be so do they look at my current DTI with my rent payment or do they consider DTI with potential mortgage payment?
From past vids I’ve seen it seems debt to income ratio is just credit card, car, student loans. Current rent and utilities don’t count
Your current rent payment would not be included in the mortgage DTI calculation. Just minimum monthly payments on debts. Watch one of Javier or Kyle’s fantastic videos about how to calculate DTI! They walk you through how to estimate it yourself on paper.
@@MakeupCleaningAndCats thank you!
@@jillianoneel3239 thank you!
@@amymello7481 good luck with house buying! 🍀
Great video! I'm subscribed to Kyle (a.k.a Dr. Love 🙄😂) originally but so happy I found your account to follow 😎. Looking forward to seeing the rest of you channel content ☺️
Question: If I'm shopping around for the best loan option to lenders, local banks, brokers, or credit unions at the same time and they all want to pull my credit, does that affect my credit history negatively? Or is the fact that they are all pulling my credit at the same time bundle that as 1 credit check on my history? I want to make sure I'm getting the best loan option I can for my situation but I don't want to destroy my credit in the process. Thank you!
Danggg more of your hot geeky friend please 😂 great advice...especially the last one.
I'm getting depressed by being beat out by other offers, like cash buyers :(
The same thing happened to me. So I looked for new constructions only because you don't have to deal with the bidding competition. It may not be in your desired area but if you really want to buy consider expanding the area you are willing to buy in. If you end up hating the area you can sell in a year or so.
Wow I love Kyles voice...lol
javier and Kyle thank your for your information.. Iam learning a lot from both of you...Hoping to buy my first home next year...
I would wait...
Why do you realtors down talk FHA loan's so much? Seller's most of the time don't know the difference until the realtor bad talks the FHA to the seller. Is it because the realtor may not be experienced enough to make an FHA deal go through. I'm confused as to if I propose more money with an FHA why wouldn't my deal be more appealing?
Normally FHA is perfectly fine. It's this crazy competitive market were currently in. As a seller in this market reviewing offers, it's just more secre/reliable to choose a buyer who has conventional loan. Less risk involved.
I will also add that appraisal is handled differently with a FHA. they tend to be very picky and difficult when appraising the home. And sellers dont like that.
At 4:13 😂.
Lolllll the editing in the first 30 seconds
.....wait.
Whoa whoa whoa, pump the brakes! Dr. Love is in Dayton Ohio?!?
What????? Small world. Lol.
This nickname better not stick 🤣 Yep, I live in Dayton
@@WinTheHouseYouLove That area code was the give away. I had to do a double take haha.
@@WinTheHouseYouLove this crazy. My two of my 3 favorite real estate youtubers live in my city. I’m more inspired now than I ever was lol
nice!!!
I love the flirting going on between the both of you
Lol you guys are cute together
This video had nothing to do with the title. Clickbait
Did Javier come up with the cover photo idea?🤣
Love the relationship advice from this channel and duo
Hey Kyle will you be my lender?? Hehehe
There are good times to buy. Pretty disappointed in that answer. It wasn’t really truthful.
Ah yes, the great Cristian Hunt. Perhaps you should make your own channel then since you know all the truths of this universe.
@@JavyVidana In watching your content and information, I think you agree with me. I’ve recommended your content to a few people because we live in Phoenix and have thought you’re a breath of fresh air by providing a different perspective and what has felt as genuine honesty and truth as opposed to the standard sales/company line that most dish out. I’m personally a serious buyer and will be looking to purchase my first home soon. But this answer offered nothing that would make me believe it’s a good time to buy right now. If I just look back at your own content, I can see information that has helped me decide against it because I’m personally looking for something that can be an investment as well as a home. And I think you’d agree right now is not a good time for buyers.
Are they sharing ear buds? lol
I have a high credit score (top bracket), plenty of down-payment, both of us work good jobs, but we are going to use Navy Federal because they have a lower interest rate and are just better then "conventional" loans (no mortgage insurance needed either). So you can take your generalizations of people not being able to qualify for conventional and throw them in the trash.
Nope, still not buying.
my 2 favorite people for these topics but Kyle is definitely bae.
Doctor love 😂
🇺🇸 🇺🇸 🇺🇸 what was that comment about?
PROSPERITY
BONANZA
He can be magic mirror on the wall
Javier aka snorepheus
Kyle.. you... I ...marry me now 😂
I’ll connect y’all.
@@JavyVidana yay! I’m a NJ realtor, we would be the next Bonnie and Clyde 😂
This shit is liking watching the formation of the Marvel Avengers!
Hahahaha 🤣 great!!